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MAX Insurance, LLC

6600 University Ave
Windsor Heights, IA 50324

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Got A New Structure? Update Your Home Insurance

One of the most important things about your home insurance is that more than your house is covered in the policy. Any time you decide to add a structure to your property, all you need to do is update it with your insurance company, and it will carry the same protection as your home. 

Types of Eligible Structures

The list of structures that you can get insured on your property is probably longer than you may think. 

  • Sheds
  • Carport/Garage
  • Fencing
  • Pool/Guest House
  • Detached Patio

If you have added one of the above structures to your home recently, they can be covered with the same protection as your home. Because they are located on the home property, they are considered a part of the home and could face damages similar to your home in the event of a tragedy. 

Adding The Structure To Your Insurance

Since most of these structures require some form of building permit, you should reach out to your insurance company at the time of construction and let them know that a structure is being built. Provide this record of the structure being built so that any materials on the property being used are also protected. Materials can be stolen or even damaged in a fire and will need to be replaced. 

Once the structure is completed, you will need to take pictures of the structure and send them to your insurance company. Depending on the size and type of structure, you may have an agent come out for their own pictures and records. The approved structure is added immediately to your policy. 

If you are in the Des Moines, IA area and need home insurance, contact one of our agents at Max Insurance LLC today for more information and to get your personalized quote. 

Is Commercial Insurance A Necessity?

Max Insurance LLC provides commercial insurance to Des Moines IA residents. We strive to serve our community with ultimate passion and integrity. Initiating a business entity in Des Moines, IA can be frustrating and comes with inherent risks. However, splendid commercial insurance from Max Insurance LLC will simplify the running of your business and offer security against losses arising from things like damage to property or injury to workers. In addition, commercial insurance gets fashioned to help businesses to remain cushioned against prevailing incertitude. 

Is commercial insurance mandatory in Iowa?

Just like many states, commercial insurance is not mandatory in Iowa. Additionally, Iowa requires businesses to carry workers’ comp insurance if it employs one or more workers. It safeguards employees who sustain injuries or get sick on their working premises. Acquiring salient commercial insurance is necessary for your business for the following reasons:

It’s a legal requirement.

Many states, including Iowa, require small businesses to maintain workers’ comp insurance if a business entity possesses more than one employee.

Protection of employees

 If your workers suffer injuries or get sick while working on your business premises, the workers’ comp can protect them. This coverage helps cater to your worker’s medical attention if they sustain an injury or contract an ailment.

Protection of assets

Commercial insurance is a formidable option that can guarantee to safeguard a business’s assets. Many business ventures own valuable fixtures and equipment that are expensive to replace. When disasters strike and damage or your assets get burglarized, a commercial insurance policy will provide you with the coverage you need to replace your assets. Property insurance guards your inventory and office content no matter what transpires.

Liability protection

When you sell a particular product or offer a service in your business, you are venturing into a specific form of liability. If a customer gets injured when at your place of business, you are likely to be held responsible. General liability coverage caters to slander and copyright infringement lawsuits and other potentially devastating issues.

At Max Insurance LLC, we do our best to ensure that our clients are safeguarded with affordable and sufficient coverages. Additionally, we go the extra mile to help you with your insurance needs. To be educated today on getting spectacular commercial insurance, call or visit our offices in Des Moines, IA.

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Contact

Phone | 515-318-7178
Fax | 515-279-3711
Email | todd@max-insurance.com

MAX Insurance, LLC

Servicing these States

  • Iowa

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