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MAX Insurance, LLC

6600 University Ave
Windsor Heights, IA 50324

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Other Structures Coverage – An Important Part of Your Home Insurance Policy

Other structures coverage protects the detached structures on your property. Learn about this type of coverage. Then, ensure that your home insurance policy provides adequate protection for each detached structure you own.

Detached Structures

The list below includes some detached structures you may want to add to your home insurance policy.

  • Guest house
  • Fence
  • Garden shed
  • Gazebo
  • Pergola
  • Mailbox

The items listed provide an idea of some of the detached structures that could be included in the coverage of other structures that are part of your home insurance policy. Of course, you may own additional detached structures that qualify, too.

Coverage Amount

Pick a coverage amount that would allow you to have damaged items replaced. Consider the fact that some detached structures could be permanently damaged. If you would like to have the opportunity to purchase replacement structures, select a higher coverage amount that will allow you to do so.


Your insurance papers will outline the type of damage that your insurance will cover. Standard perils will be covered, including windstorms, hailstorms, and fires.

In addition, planned events may also be covered. For instance, if someone with ill intent steals or defaces a structure that is on your property, your insurance will likely cover the incident. Familiarize yourself with your insurance coverage. This could better prepare you for filing an insurance claim in the future.

Contact Max Insurance LLC

Contact a Max Insurance LLC agent to discuss your home insurance policy. Our agents in Des Moines, IA, offer several home insurance products to protect your residential structures.

Four important resources to take advantage of when you need auto insurance

You need to choose the right auto insurance solution for your situation. At Max Insurance LLC, we’re here to assist you with all your auto insurance needs in Des Moines, IA.

Here are four important resources to take advantage of when you need auto insurance.

Online reviews

Look up online reviews for different insurance companies. Reviews are critical because they tell you if past customers have been happy with various insurance providers.

Online reviews provide valuable information on subjects like customer service and the claims filing process for different insurance companies that you may be considering buying from. 

Insurance company websites

If you’re interested in buying from a particular insurance company, be sure to look at that company’s website. Visiting an insurance provider’s website can provide you with the information you need on the different policy features offered by that company. 

Word-of-mouth references

Ask around if you’re in the market for auto insurance. Your friends and family members might be able to offer you a good recommendation.

If you know someone who has been satisfied by an insurance provider’s offerings, you’ll feel more confident about buying from them. 

Comparison websites

Insurance comparison websites can be great for getting a general idea of how much different insurance companies will charge you.

Remember that getting quotes and comparing offers from different insurance companies is essential. Therefore, you should put your information into a few comparison websites to find a competitive offer. 

When you’re in the market for auto insurance in Des Moines, IA, call us at Max Insurance LLC to get a quote on a policy. Insure your vehicle with us and enjoy confidence and peace of mind when you hit the road. 

When Do You Need Umbrella Coverage For Your Commercial Insurance?

Typically, businesses are equipped with certain types of insurance coverage that protect their interests in general situations. However, there are occasions when additional insurance beyond your standard commercial policy is necessary to meet specific business needs. At Max Insurance in Des Moines, IA, we are dedicated to helping our clients find the right coverage to match their evolving needs.

What is Umbrella Coverage?

Many policies are required to protect your business against various risks. Usually, these policies cover liabilities and damage up to a specific amount. An umbrella policy goes the extra mile to cover an additional range of liability or damage, advancing an additional layer of protection to your Business in case of lawsuits or accidents.

When does your Business need Umbrella Coverage?

Umbrella coverage serves as an extension to your standard commercial insurance policy. It’s highly recommended that your business is open to the public, where enhanced coverage might be necessary in the event of an injury. In certain cases, clients may require that you carry insurance that surpasses your standard policy’s limit. Here, an umbrella coverage can bridge the gap. If your employees work on other people’s properties where damage occurs, umbrella coverage can safeguard the liability. For businesses operating under unusual circumstances, umbrella coverage may be vital to cover potential liabilities.

Running a business involves seamlessly adapting to changing conditions on a daily basis. Fulfilling your clients’ needs might sometimes necessitate a change in insurance coverage. We are here to assist with a variety of policy options. Reach out to Max Insurance LLC in Des Moines, IA, today for a no-obligation quote on commercial insurance to safeguard your Business.

How Often Should I Review My Home Insurance Coverage?

Homeowners Insurance: A Continuous Journey, Not a One-Time Event

A prevalent misconception among Des Moines, IA homeowners is that securing an insurance policy for their property is a one-off task. This misbelief couldn’t be further from the truth. If it has been years since your last review of your insurance policy, reaching out to the agents at Max Insurance LLC is advisable. We’re on hand to provide the expert advice you need to make the best decisions about your policy.

Perform Annual Reviews of Your Coverage

Annual insurance reviews aren’t just for health insurance. It’s imperative to periodically examine your homeowner’s policy to ensure it aligns with your current needs. Items like new jewelry or expensive valuables may necessitate the addition of riders. Therefore, reviewing your policy a few weeks before its renewal date can be an opportune time to assess whether you are garnering the best value for your money.

What Should Be Examined During an Insurance Review?

When scrutinizing your policy, catalog your purchases over the past year to identify any that may need supplemental coverage. Home renovations such as an addition will require extra dwelling coverage. Newly installed smart home security devices could qualify you for discounts, thereby saving you money. On the flip side, new swimming pools and recreational equipment may elevate risk, prompting the need for additional liability coverage. Other circumstances warranting policy review include a change in marital status or the commencement of a home business.

Let Max Insurance LLC, serving Des Moines, IA, recommend suitable coverage to secure your home thoroughly. Contact us today to commence a comprehensive consultation on your homeowner’s insurance needs.

Here’s What You’re Getting Wrong About Your Auto Insurance

Our team at Max Insurance LLC has seen many Des Moines, IA residents make mistakes about their car insurance. These are often minor issues that can be easily fixed. However, there are other problems that might be even more problematic. Here’s what you need to know here.

Not Reporting Accidents 

We get why you might not want to report accidents with your insurance company. It’s embarrassing and might seem unnecessary in minor incidents where no one is hurt. However, getting help from your insurance can ensure you are protected. Just as importantly, it can avoid legal issues. After all, if you try selling your vehicle with damage caused by unreported accidents, there could be legal consequences.

Modifying Your Car Improperly 

Do you like changing your car up with various upgrades, like new spoilers and engines? It’s okay to do that if you work with a licensed and insured professional. If you don’t? Well, that could actually void your insurance and cause real problems. Always work with an expert and avoid DIY modifications to minimize this issue.

Sticking to Long With a Policy 

It’s something that we’ve seen too many people do over the years to count: sticking with a policy far too long. Put simply, many people don’t change their policies and end up missing out on better options. We strongly recommend that you shop around regularly to make sure that you don’t miss out on anything. You can even let us know what kind of upgrades you’d like to make to get the help that you need.

Need Help? Let Us Know!

With the help of our crew at Max Insurance LLC, you can get the Des Moines, IA auto insurance you need and avoid making mistakes. It’s important to take this coverage seriously to ensure that you get the help you deserve. Contact us today to learn more about your available insurance options.

Cyber Liability Insurance: Protecting Your Business in the Digital Age

In the modern business world, risk management is of primary concern. Businesses are becoming more dependent on the use of technology and data, which makes them vulnerable to cyber threats, i.e., data breaches, hacking, etc. Max Insurance LLC in Des Moines, IA area’s cyber liability insurance can protect businesses from cyber-related incidents.

Key Aspects of Cyber Liability Insurance

Cyber liability insurance offers businesses financial protection and support after a cyber event, which includes-

Data Breaches

  • Covers expenses associated with the notification of and credit monitoring services offered to those impacted by the data breach.
  • Assists in the management of any damage to the company’s reputation caused by the breach.

Business Interruption/ Data Restoration

  • Covers the loss of income loss (or additional expenses) due to business disruptions caused by a cyber event.
  • Covers costs related to restoring/recreating damaged/lost data.

Regulatory Violations/Fines

Helps to reimburse insured companies for fines/penalties imposed by regulatory authorities for non-compliance.

Cyber Extortion

Protection against extortion attempts caused by ransomware attacks, etc.

Cybercrime Coverage

  • Covers losses resulting from deceptive practices, like phishing attacks.
  • Protects against fraudulent transfer of funds from a cyber incident.

Legal Fees

Covers legal expenses should a third party sue a business due to a cyber event.

It’s crucial to understand –

  • Policy exclusions and limitations. Exclusions may include intentional and criminal acts, war, and certain types of data breaches.
  • Policy limits and deductibles.

Contact Us Today

As cyber threats evolve, it’s important to review your cyber liability insurance coverage to ensure the policy is effective against new/emerging risks. By working with an insurance professional at Max Insurance LLC, you are ready for unforeseen business challenges in Des Moines, IA. 

What to Know About Making a Home Inventory

Do you have a home inventory? If you don’t, recovering after a disaster could be all the more difficult. Making a home inventory and updating it can help you in the event that you need to make a claim with Max Insurance LLC serving Des Moines, IA. 

What’s a Home Inventory?

A home inventory is a list of everything you own. Having a list like this can help you in the event that a disaster claims your possessions. When it’s time to replace your possessions, you’ll remember what you had and what you need to replace.

Some insurance companies ask that their customers make a home inventory and keep it in a safe spot, but even if your insurance company isn’t asking you to do it, it’s still good to have one.

Making the Home Inventory

There’s more than one way to make a home inventory. One way is to make a video of everything you own. Take 20 minutes or half an hour to walk around your home with your smart camera or video camera and video record yourself going through the rooms of your house, including cabinets and closets. Focus on big-ticket items like jewelry, television, and computers. 

Another way to make a home inventory is to make a spreadsheet of everything you own. To keep the spreadsheet organized, divide the list up into rooms. No matter how you make your list, make a note in your calendar to update it every year. 

Don’t forget to keep your inventory in a safe location. You can store your home video in the cloud or send yourself an email with the inventory attached. Just remember that your inventory should be accessible in the event that a disaster claims everything you own. 

We Are Here To Help

At Max Insurance LLC serving the greater Des Moines, IA area, we’re happy to answer your questions about making a home inventory and recovering from a covered event. Contact us to learn more. 

How much time do I have to purchase auto insurance after buying a car?

Des Moines, IA drivers may have a grace period where they can drive without insurance without incurring legal penalties. That means that during that time if you are caught driving without insurance, you will not have to pay a ticket or lose your license and registration.

However, the grace period is limited to certain situations and only lasts for a brief time. Max Insurance LLC can help you figure out what you need to do to make sure you are driving safely and legally.

If you are replacing a former vehicle with a new vehicle, your insurance company will allow you between a week and a month to add the new information. It never hurts to call your agent right away though to make sure that you understand the time limits and make sure you are safe. If you are driving a new vehicle and do not already have insurance, you will need to provide proof of insurance in order to drive on a public street or register your vehicle.

Even though Des Moines, IA drivers have a grace period for buying insurance, keep in mind that during this time period, you do not have protection if you are in an accident. You may also realize that the minimum amount of coverage required by law is not enough. If you want to have your own damages covered, you can also add additional comprehensive and collision protection.

Schedule A Consultation Today

Don’t forget that you are still responsible for anything that happens when you are operating a motor vehicle in Iowa, even during your grace period. If you have any questions or would like to discuss your auto insurance policy, please feel free to call Max Insurance LLC today.

Does Commercial Insurance Cover Office Equipment?

If you own a business, you likely need equipment to help perform daily tasks. Equipment can be a tremendous business asset, so you need the right insurance policy to protect those investments. If you would like to learn more about commercial insurance and what it can cover, you can trust the professionals at Max Insurance LLC to provide quality insurance products and customer service support to the residents of Des Moines, IA.

Commercial Insurance Protection 

The right insurance policy will cover your essential office equipment and other supplies, such as inventory. Getting the right insurance policy in place is the best way to prevent loss due to covered risks. If you need assistance finding out which policy options best meet your business needs, our insurance agents can help. We take the time to learn about each client’s situation and match them with policies that deliver the best protection. Once the customer chooses a policy, we collect the information necessary to secure the policy right away. We’ll also assist with any claims or changes the customer needs to make over the policy’s lifetime. We aim to provide the best customer service and insurance products, so business owners can have security and peace of mind.

Reach Out to Us Today

Having the right insurance policy is essential. We would love to assist you if you would like to learn more about commercial policy options. Please reach out to us today by calling or stopping by the office of Max Insurance LLC, serving the residents of Des Moines, IA. Don’t take chances with your business coverage. Get the professional support that our team of knowledgeable insurance agents can provide for you and your business.

Renovations and Home Insurance: What You Should Know Before Making Changes

When it comes to upgrading your home, it’s important to consider more than just aesthetics. Home renovations can impact your insurance coverage, and being informed is key to avoiding potential pitfalls. Here at Max Insurance LLC, providing homeowners in the greater Des Moines, IA area with home insurance, we want to help you know what to expect.

Assessing the Impact

Before diving into renovations, take a moment to assess how they might affect your insurance. Major changes, like adding an extension or upgrading electrical systems, could increase your home’s value, warranting an adjustment in your coverage. Failing to update your policy could leave you underinsured in case of an accident.

Informing Your Insurer

Transparency is crucial. Notify your insurance company about your renovation plans. They can guide you on coverage adjustments and any necessary endorsements. For instance, if contractors are involved, make sure they carry adequate insurance to avoid potential liability issues that might otherwise fall on you.

Budgeting for Changes

While renovating, keep your budget not only for the project itself but also for potential insurance adjustments. Your premium might change based on factors such as the materials used and the overall value of the upgrades. Planning for these changes can help you avoid financial surprises down the road.

Consult With Us

Renovations can breathe new life into your home, but they can also impact your insurance coverage. Being proactive in understanding the relationship between renovations and home insurance can help you protect your investment and ensure your peace of mind. If you’re looking for a new policy in the greater Des Moines, IA area, or just want to find out how renovations may impact your policy, Max Insurance LLC would love to help. Call us today to learn more.