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6600 University Ave
Windsor Heights, IA 50324

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Technology Might Enhance Vehicles, but Only Auto Insurance Can Protect Them

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No matter the distance, frequency, or type of vehicle you drive, the roads can always pose a risk. While most of us will never experience a life-altering accident, even a minor collision can become a costly event. That’s why so many drivers in Des Moines, IA, rely on the trusted and professional team at Max Insurance LLC for their auto insurance needs.

Technology Enhances Vehicles, but Only Auto Insurance Can Protect Them

Technology has undoubtedly improved vehicle safety. However, it has its limitations, and accidents still occur. Regardless of how technologically advanced vehicles become, insurance remains a crucial protection that drivers need on the road.

From repairs to medical bills and more, only auto insurance can assist drivers after a collision. These are just a few reasons why it’s a good idea to work with reputable and professional agents for the auto insurance solutions drivers need every time they get behind the wheel. That’s why drivers in Des Moines, IA, trust the Max Insurance team for their auto insurance needs.

Auto Insurance Solutions for Des Moines, IA Area Drivers

If you live in or around Des Moines, IA, and have questions or need insurance for your vehicle, we can help. Contact us to learn more and schedule an appointment with our friendly, experienced team for all your auto insurance needs at Max Insurance LLC today.

Does Commercial Insurance Cover Tornado Damage?

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Residing in Des Moines, IA, means being part of a close-knit community where locals care about each other’s health and well-being. It also means understanding that violent windstorms can develop suddenly, making it essential for local businesses to have emergency plans in place for tornado outbreaks and windstorms.

Discover how local business owners protect their buildings’ inventory, employees, and operations from the devastating effects of tornadoes with Max Insurance LLC.

Shield Your Des Moines Business from Tornadoes and Natural Disasters

Developing an emergency preparedness plan is the first step towards safeguarding your business from high winds and flying debris. You and your employees should know and follow this plan before disaster strikes.

Designate safety areas, conduct regular tornado safety drills, and create an evacuation plan with designated first responders.

Take additional precautionary measures, such as reinforcing doors and windows and choosing business locations with built-in storm cellars or safe rooms where employees can seek shelter during emergencies.

Investing in a commercial insurance policy with comprehensive coverage for wind, natural disasters, and flood damage can help reduce out-of-pocket expenses if business operations are affected by spring twisters, thereby protecting your personal finances and livelihood.

Secure a Comprehensive Commercial Insurance Quote in Des Moines, IA

Speak with a trusted local commercial insurance agent to learn about the features and benefits of comprehensive insurance for business owners. This can include financial coverage for property damage, windstorm damage, and business interruption insurance to replace lost wages and income in the event of a shutdown.

Contact Max Insurance LLC in Des Moines to learn more about the benefits of commercial insurance and get a customized quote tailored to your business needs.

Understanding the Difference Between Home Insurance and Home Warranty

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As a homeowner, you have a lot to protect. This includes your family members, your home, and the valuables inside. These valuables include your systems and appliances, which you turn on without thinking and expect to work. It’s not until something goes wrong that you may start to consider the differences between home insurance and home warranty.

Home Insurance: Protection Against Unexpected Events

Home insurance, available through Max Insurance LLC, serving Des Moines, IA, is designed to protect your home and belongings from unexpected events such as fires, storms, theft, and other types of damage. Mortgage lenders typically require this type of insurance and provide a safety net that covers things like:

  • Structural Damage – Covers the cost to repair or rebuild your home if covered events like tornadoes, hail, or fire damage it.
  • Personal Property – Provides coverage for your belongings inside the home, such as furniture, electronics, and clothing.
  • Liability Protection – Protects you if someone is injured on your property and you are found legally responsible.
  • Temporary Living Expenses – If your home is uninhabitable due to a covered loss, home insurance can cover costs associated with living elsewhere, like hotel bills and increased food costs.

Home Warranty: Coverage for Wear and Tear

A home warranty is a service contract that covers home appliances and systems due to wear and tear. This isn’t included in home insurance and may be beneficial for managing the costs associated with maintaining:

  • Appliances – Covers items like refrigerators, ovens, washers, and dryers when they break down due to normal use.
  • Home Systems – Includes heating, air conditioning, electrical, and plumbing systems.

Some homeowners find it advantageous to have a home warranty in addition to home insurance. For more information about home insurance, contact Max Insurance LLC serving Des Moines, IA.

Have You Reviewed Your Auto Insurance Recently?

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Do you currently have car insurance? When was the last time you reviewed your car insurance policy? If it’s been a while, now might be the right time. The team at Max Insurance LLC, serving Des Moines, IA, is here to help! We offer car insurance from various carriers and can assist you in reviewing your current car insurance policy. If your existing policy no longer meets your needs, we can help you find one that does.

The Importance of Reviewing Your Auto Insurance Policy

It is crucial to keep your car insurance policy information current. Changes in your annual mileage can affect your rate. Additionally, if any information on your policy is outdated, a policy review can help identify and rectify this issue.

How Often Should You Review Your Auto Insurance Policy?

You likely review your home insurance policy periodically if you’re a homeowner. Reviewing your car insurance policy simultaneously, ideally once a year is a good idea. If you don’t have a home insurance policy, make it a point to review your car insurance policy annually. Regular reviews can help ensure your policy remains up-to-date.

How to Review Your Auto Insurance Policy

Reviewing your auto insurance policy is straightforward when you’re working with your insurance agent at Max Insurance LLC, serving Des Moines, IA. We’re here to assist and answer any questions you may have about your insurance policies. We can review your policy, review the details, and update any outdated information. Contact us today to start reviewing your car insurance policy.

Commercial Insurance Consultations: Finding Out Which Policy Options Your Des Moines, IA, Business Needs

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With over 25 common types of commercial insurance, it can be challenging for a new business owner to decide which ones the company needs. A commercial insurance consultation with a Max Insurance LLC agent can help reveal the right policy options. The agent interviews the business owner to determine the insurance needs and then creates a custom policy based on the findings.

Understanding Insurance Consultations

As a new business owner, you might have read many articles online about analyzing and prioritizing your risks. If you’re launching your first company, you might not fully understand what that means, and that’s okay. In Des Moines, you can call our insurance firm and schedule a commercial insurance consultation. During this appointment, which can be conducted in person, on Zoom, or over the phone, we’ll ask you a few questions about your business and use these to recommend insurance coverage for it.

Legally Required Commercial Policies

Every state, including Iowa, has a list of commercial insurance policies that every business must purchase. The most essential include liability coverage, commercial auto, and worker’s compensation. We’ll inform you about the policies the state requires you to buy so you remain in compliance with the law. Some industries, such as construction, require a type of bond insurance.

Questions We Ask During the Interview

Your insurance agent starts by asking what type of business you operate. This determines your industry. For example, a plumber falls into the construction category, while a pizza restaurant that delivers falls into the category of food service and hospitality. We’ll also inquire about your location, including its address, whether you rent or own it, and if other companies operate from it, too.

You’ll need to be able to answer questions about how many employees you hire if you maintain inventory on-site or off-site, and about your business equipment. We’ll also ask what security measures you take at your business location, such as alarm and camera systems, security guards, etc.

Contact Us Today

Don’t get caught by the state of Iowa operating your business without proper insurance. Let Max Insurance LLC help you properly insure your Des Moines, IA, company. Contact us today to schedule your commercial insurance consultation.

Recreational Insurance can Save More than Your Recreational Toys

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ATVs and four-wheelers, ski mobiles and dirt bikes, snowmobiles and golf carts, and the list goes on. This is also more evidence that we love our recreational toys when it comes to our recreational activities. Of course, that is also one of the main reasons why people who own recreational equipment and machines in and around the Byram, MS area invest in recreational insurance and solutions from the Riverside Insurance Agency Inc. team to help protect their recreational toys. When it comes to recreational insurance, however, it can do a lot more than cover repairs from accidents.

Recreational Insurance Offers Many Benefits and Can Save More than Your Recreational Toys

No, it isn’t uncommon to find a tree, a ditch, a rock, or even another vehicle when playing on our recreational equipment. That is also one of the reasons we have recreational insurance protection. The truth, though, is that recreational insurance offers many benefits beyond merely helping for things like repairs. If you own a recreational machine, there is probably a reason why you have it under lock and key, in the shed, or in the garage, right? From theft or liability to property damage concerns and more, recreational insurance can help with many scenarios. That is also why working with an experienced and professional agent for all your recreational insurance needs is important.

Recreational Insurance Solutions in Byram, MS

Do you live in or near the Byram, MS area? Would you like to learn more about how recreational insurance could help you, or do you need coverage and protection for your recreational toys? Contact us to find out more and schedule an appointment for the recreational insurance solutions you need and deserve at the Riverside Insurance Agency Inc. today. 

Do I Have Enough Insurance to Cover Natural Disaster Damage?

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Natural disasters have increased in Iowa during the last few decades due to climate change. Although you may not have experienced a natural disaster loss in Des Moines, IA, you may in the foreseeable future. How do you protect yourself? Max Insurance LLC can help you assess your situation and ensure you have enough insurance to replace your structure and belongings.

What Types of Disasters Are Covered?

Most homeowners’ policies cover incidents like forest fires and excessive, weather-related occurrences such as lightning, hail, and windstorm damage, as well as the weight of excessive ice, sleet, or snow on roofs. Perils not covered include earthquakes, floods, sinkholes, mudslides, and landslides. These risks usually require you to buy a rider or add on a separate policy to cover such incidents.

Read and Understand Your Homeowner’s Policy

Coverage varies among insurance companies. Although policies generally include coverage for damage to your roof, siding, and windows, some insurers have started to limit payouts or increase deductibles due to increasing weather severity due to climate change. Also, consider adding flood insurance, even if you don’t live in a flood plain or near one of Des Moines’ many rivers. Make sure your policy covers backups from sump pumps and sewers if you have a basement, as flooding can occur when devices fail or storm sewers back up.

Other Ways to Protect Your Home

Keep your home in good repair by regularly replacing your roof and attending to outdoor and indoor maintenance. Notifying your insurer of upgrades may even offer discounts.

The staff at Max Insurance LLC, serving residents of Des Moines, IA, are experts on homeowner’s insurance policies. Contact our office today to learn what types of add-ons you can consider to keep your home fully protected from natural disasters.

Pickup vs. SUV: Which is Your Next Ride?

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When shopping for a new car, one of the most significant decisions you’ll face is choosing the type of vehicle that best suits your needs. For some, the choice often comes down to a pickup truck or an SUV. Both options have their similarities and differences, and both are excellent choices. Here are some questions to consider to help determine which is right for you.

Do You Regularly Haul a Trailer?

If you frequently use a trailer for daily tasks or work, you’ll need a vehicle that can handle this demand. All pickup trucks come equipped with a hitch for towing trailers, though some can handle more weight than others. SUVs also offer some towing capacity, but it can be limited depending on the size and suspension of the SUV. A pickup truck might be the better choice if you require extensive towing capabilities.

How Many Seats Do You Need?

The size of your family or the number of passengers you typically transport can influence your vehicle choice. If you need ample space for kids, pets, and passengers, you might want to consider a larger SUV, which can accommodate up to eight passengers. In contrast, the largest trucks typically only have six seats. Smaller SUVs and pickups offer even less room inside.

Do You Need 4-Wheel Drive?

Only a few SUV models come with all-wheel drive, while the rest are two-wheel drive. Some sport model SUVs may offer 4-wheel drive, but this usually comes at an extra cost. On the other hand, most pickup models offer both two-wheel and four-wheel drive versions, making it a more affordable option in a pickup. A pickup might be the better choice if you frequently use this feature for recreational activities or work.

Contact our agents at Max Insurance LLC today if you’re looking for an auto insurance policy. We serve Des Moines, IA, and the surrounding areas.

Document Essentials for a Commercial Insurance Claim

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Proper documentation is crucial when filing a commercial insurance claim. You should maintain careful records of certain things, which you can then submit to your insurance provider.

Conducting a Preliminary Assessment

In the aftermath of theft or damage at your business premises, it’s essential to carry out a preliminary assessment of your property. This evaluation helps to gauge the gravity of the incident.

The data you gather can be instrumental in backing up your insurance claim. Record the details of the incident, including the time it happened, who was present, and what was witnessed.

Furthermore, it attempts to pinpoint what led to the incident. Even if you’re uncertain about what transpired, discerning whether it was a weather-related phenomenon or due to criminal activity could be helpful when filing your insurance claim.

Gathering Supporting Evidence

Photographs or videos depicting the state of your business can be valuable. Capture images or footage as soon as possible after the occurrence. An insurance adjuster may take pictures or videos alongside your material during the inspection.

Preserve the scene of the incident while gathering supporting evidence. Do not alter the site where the theft or damage took place.

Filing a Police Report

When criminal activity occurs on your business premises, it’s imperative to notify the local authorities. Police personnel will visit your site and create a report.

This report can prove to be crucial when your claim is evaluated. It will comprise key details that describe what happened at your place of business.

Getting Further Assistance

Our knowledgeable agents at Max Insurance LLC can help you file your commercial insurance claim. Contact our agents serving Des Moines, IA, for professional assistance.

Pets and Home Insurance: What You Need to Know

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Many people consider their pets part of their family, so it just makes sense that pets might be included in some way on insurance. Many factors determine how pets and insurance affect each other. Here at Max Insurance LLC, serving Des Moines, IA, and the surrounding areas, we want you to understand all the insurance details to make good choices. Let’s learn about pets and insurance.

Is Loss of a Pet Covered Under Home Insurance?

Many types of policies will allow you to include the value of your pets on your homeowners’ policies. These are seen as personal possessions. However, you need to double-check this information with your particular provider.

Are Pet-Related Injuries on My Property Covered?

This is another important question. People are concerned not only with the possible loss of a pet during a fire or natural disaster but also with the liability of the pet injuring someone. This is a real risk and is especially concerning for certain breeds of pets. You will be liable for medical bills or expenses if your pet injures someone on your property.

You can get coverage that would include this type of liability, but the breed of animal may be a factor. You’ll want to sit down with an insurance professional to determine if your pet can be covered and how much coverage is available. You may also get coverage that would pay if the animal caused damage to someone else’s property.

If you’d like to learn more about insurance and pets, please contact us at Max Insurance LLC, serving Des Moines, IA, and the surrounding areas. We are happy to answer all of your questions today.