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Windsor Heights, IA 50324

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Will my homeowners insurance cover the damage from the rat infestation in my attic?

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Homeowners insurance creates peace of mind for homeowners. Many homeowners wouldn’t be able to pay for many accidents or unexpected incidents without the help of homeowners insurance. This insurance reduces the out-of-pocket expense associated with the repair or replacement of many things associated with a home. Our Des Moines, IA team at Max Insurance LLC is committed to helping homeowners understand the benefits of homeowners insurance. 

What is Homeowners Insurance?

Homeowners insurance covers the repair or replacement of your home, personal belongings, property, and other assets. Homeowners insurance also provides liability coverage for property damage or injuries you may unintentionally cause to others. This coverage may also apply to incidents or injuries to others away from your home as well. If your home has to be rebuilt or repaired, home insurance typically covers the cost of living elsewhere until your home is inhabitable again. 

Will my home insurance cover the damage from the rat infestation in my attic?

Although homeowners insurance covers many situations, it doesn’t typically cover damage caused by insects, birds, rodents, and small animals. This type of damage is the sole responsibility of the homeowner unless he or she has purchased some kind of add-on insurance that would make allowance for this type of damage.

Conversely, if a bird breaks a window in your home, your insurance may cover this type of incident. An insurance agent can adequately detail the coverage allowances associated with damage caused by insects or animals. Although most of this kind of damage isn’t covered by a standard homeowners policy, there may be exceptions.

Looking for Insurance in Des Moines, IA?

If you have questions about homeowners insurance, call us at Max Insurance LLC. We’d be happy to answer all of your questions.

Documents you should always carry in your vehicle

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At Max Insurance LLC in Des Moines, IA we understand that each person has unique insurance needs, and we never use a one-size-fits-all approach. We get to know our customers so that we can better serve them by providing insurance that fits their personal needs. We work for you, and we will strive to get you the best coverage at a price that works for you. 

Documents you should always carry in your vehicle

Your vehicle registration

Your vehicle must be registered in the state of Iowa within 30 days of your moving to the state. You must register your vehicle in the county where you live, and if you change counties, you let the motor vehicle department know so that they can keep the records correct. In order to register your vehicle, you must have the title, a bill of sale, and a completed application. Your vehicle must also have a federal safety label. Keep your registration in the glove box or over your sun visor. 

Your insurance card

When you renew your auto insurance, you will receive an insurance card either through the mail or digitally. It has the carrier’s name, your name, the policy number, and the dates the policy is in effect. This proves that you have the required coverage for the state of Iowa. It should be kept where you can access it easily in the event you need to provide it to a police officer. 

Your driver’s license

You are required to always have your driver’s license on your person if you are driving a motor vehicle. You may not actually keep it in the vehicle, but it should be on you when you are driving. 

Need Auto Insurance? Reach Out To Us

Give our office a call. At Max Insurance LLC in Des Moines, IA, we provide a selection of carriers who can meet your particular needs for auto insurance. 

What is a commercial insurance audit, and why do you need one?

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When you contact Max Insurance LLC to update or renew your commercial insurance for your Des Moines, IA business, we’ll suggest a commercial insurance audit. Don’t worry, it differs completely from an IRS audit and won’t cost you anything extra to undergo.

Commercial Insurance Audits Are Free

When you undergo a commercial insurance audit with your insurance agent, you participate in an interview with the agent. We ask you questions about your business, location, processes, and procedures to determine its most important coverage types.

Many things change from the first time you purchase insurance and first start your business. Your expansion could require a different type of insurance than you already own. A change in product or services could have the same effect. Even changing your business location could affect your insurance needs.

The results of an audit could save you money in the short term and the long term. If you need to add a new type of insurance, you’ll still save money in the long term because whatever it covers, would not receive coverage under any other type of policy. Commercial insurance uses specific policies to avoid crossover. That means that with the specialty policy, you would pay some premiums along the way, but if an insured event occurred, you would have coverage for it, and insurance would pay for it.

Examples of Coverage Changes

If you moved from a building with plate glass windows to one with no windows or plastic windows, you would no longer need glass insurance. You would drop a policy.

If you started delivering pizzas from your restaurant, you would need to add commercial auto insurance to your insurance package.

If you added a consumer product to your service-based business, you would need to add errors and omissions (E&O) insurance to your package.

Conversely, if you stopped making consumer products and moved to a service-based business, you would no longer need E&O insurance, assuming a recall on existing products.

Contact Us Today

Call or email Max Insurance LLC serving Des Moines, IA, to get started on your commercial insurance audit. Let us help you protect your financial security and your business’s future.

What is a commercial insurance audit, and why do you need one?

Posted on by admin

When you contact Max Insurance LLC to update or renew your commercial insurance for your Des Moines, IA business, we’ll suggest a commercial insurance audit. Don’t worry, it differs completely from an IRS audit and won’t cost you anything extra to undergo.

Commercial Insurance Audits Are Free

When you undergo a commercial insurance audit with your insurance agent, you participate in an interview with the agent. We ask you questions about your business, location, processes, and procedures to determine its most important coverage types.

Many things change from the first time you purchase insurance and first start your business. Your expansion could require a different type of insurance than you already own. A change in product or services could have the same effect. Even changing your business location could affect your insurance needs.

The results of an audit could save you money in the short term and the long term. If you need to add a new type of insurance, you’ll still save money in the long term because whatever it covers, would not receive coverage under any other type of policy. Commercial insurance uses specific policies to avoid crossover. That means that with the specialty policy, you would pay some premiums along the way, but if an insured event occurred, you would have coverage for it, and insurance would pay for it.

Examples of Coverage Changes

If you moved from a building with plate glass windows to one with no windows or plastic windows, you would no longer need glass insurance. You would drop a policy.

If you started delivering pizzas from your restaurant, you would need to add commercial auto insurance to your insurance package.

If you added a consumer product to your service-based business, you would need to add errors and omissions (E&O) insurance to your package.

Conversely, if you stopped making consumer products and moved to a service-based business, you would no longer need E&O insurance, assuming a recall on existing products.

Contact Us Today

Call or email Max Insurance LLC serving Des Moines, IA, to get started on your commercial insurance audit. Let us help you protect your financial security and your business’s future.

How to Ensure Your Home Insurance Policy is Up to Date

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A home insurance policy is one of your most important investments. It protects your home and all its valuable contents should anything happen in Des Moines, IA. But how often should you update your policy? Max Insurance LLC recommends reviewing your policy at least once a year.

Assessing Your Home Value 

It’s important to assess the value of your property at the time of purchase and then review it each year. This will ensure that you are adequately covered if anything were to happen. When doing this assessment, consider any improvements or renovations you’ve made since purchasing the policy. This could include updated appliances, fixtures, or even additions like a swimming pool or gazebo.

All these factors need to be considered when updating your policy so that you are properly covered for any losses incurred in the event of an incident. 

Reviewing Your Coverage Options 

In addition to assessing the value of your property, it’s also important to review your coverage options each year when renewing your policy. Many companies offer different levels of coverage that can be tailored to meet specific needs and budgets, such as liability coverage for medical bills if someone gets injured on your property or additional coverage for jewelry and other valuables.

Reach Out To Us

At Max Insurance LLC, we specialize in providing comprehensive home insurance policies tailored specifically for our clients in Des Moines, IA. Our team understands insurance protection’s importance in protecting your home and everything inside it—from furniture and electronics to jewelry and artwork. Whether you’re looking to purchase a new policy or update an existing one, our team is here to help guide you every step of the way! 

Safe driving tips for new drivers

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It’s no surprise that driving can be intimidating for new drivers. While it is often exciting to be able to drive for the first time in Des Moines, IA, it is important for new drivers to keep safety in mind and practice safe driving habits.

Here are some tips for new drivers from your friends at Max Insurance LLC to stay safe on the road.

Safe driving tips 

1. Make sure you know the rules of the road.

Before hitting the road, review local laws about speed limits and other traffic regulations, such as passing lanes and stop signs. Knowing the rules of the road will help keep you safe and prevent any potential legal issues. 

2. Keep your eyes on the road at all times.

Don’t let yourself get distracted by your phone or passengers while behind the wheel. Focusing solely on your driving will help avoid potential hazards on the road and help you remain alert while driving. 

3. Wear a seatbelt at all times.

Wearing a seatbelt helps reduce your chances of being injured during an accident or collision, so make sure you buckle up before leaving your driveway! 

4. Follow speed limits closely and adjust your speed according to weather conditions.

Speeding is one of the leading causes of accidents each year, so it’s important to be aware of speed limits and adjust accordingly in bad weather conditions such as rain or snow storms if necessary. 

Auto Insurance Is Mandatory – Make Sure Your Policy Is Updated!

Following these tips can help ensure that new drivers stay safe on the roads and make their experience much less stressful overall! For more safe driving tips, give us a call at Max Insurance LLC today. We proudly serve the Des Moines, IA area.

What Are Some of the Most Common Types of Commercial Insurance Products?

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At Max Insurance LLC, serving the greater Des Moines, IA area, we have had many small business owners approach us with questions pertaining to commercial insurance. It is not uncommon for business owners to think that one commercial insurance policy will meet all of their business needs. However, the term commercial insurance refers to many insurance products, not just one.

Here are a few of the most common types of commercial insurance products:

Commercial Property Insurance

One of the most common types of commercial insurance products is commercial property insurance. If you own a commercial property, you should have commercial property insurance. This type of insurance is pretty similar to home insurance, except for the obvious that it applies to a commercial building and not a home. 

Commercial Auto Insurance

Another common type of commercial insurance product is commercial auto insurance. If you own one or more vehicles that are used for commercial or business reasons, you need to purchase commercial auto insurance. Just like standard insurance, there are different types of commercial auto insurance, including comprehensive and collision.

Business Interruption Insurance

The final common type of commercial insurance product that is sold is business interruption insurance. There are many reasons why your business may be interrupted, including a burst pipe in your building, a natural disaster, or a health pandemic. If your business has to shut down, business interruption insurance helps to provide money so you can continue paying your employees, your rent, and other bills your business may have when your business is forced to be closed. 

Contact Us Today

Every business is different, and as such, the insurance products that one company may need can vary from the insurance products that another company may need. Here at Max Insurance LLC, we can help Des Moines, IA business owners find the best commercial insurance products for their needs. Call or email us to learn more or to obtain new commercial insurance policies. 

I’ve Been in a Car Accident—What Should I Do?

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After a car accident, it’s common to feel disoriented and confused. It’s important to know what to do to ensure everyone is safe and that you’re taking the necessary steps to protect your rights.

Here’s a quick guide on what to do if you’re involved in a car accident:

Check for Injuries and Seek Medical Attention

The first thing you should do after a car accident is to check for injuries. Even if you don’t think you’re hurt, it’s essential to get checked out by a medical professional as soon as possible. Often, injuries from car accidents don’t present themselves immediately. If passengers are in your vehicle, check on them and render aid if necessary. Once you’ve made sure everyone is okay, call 911 and wait for help to arrive. 

Exchange Information With the Other Driver

Once the police have arrived, it’s time to exchange information with the other driver. You’ll need their name, contact information, insurance information, and license plate number. If there are any witnesses at the scene, get their contact information. It’s also a good idea to take pictures of the damage to both vehicles and any visible injuries. 

Call Your Insurance Company

Once you’ve exchanged information with the other driver and gathered any additional evidence, it’s time to call Max Insurance LLC. Our representative will ask you for the same information you gave the other driver, so it’s helpful to gather it all together. They may also request additional questions about the accident itself or your injuries. 

Get Auto Insurance Today

Car accidents are never fun, but knowing what to do is essential if you experience a collision in Des Moines, IA, no matter the severity. By following these steps, you can ensure that everyone is safe and your rights are protected. Not sure if you have the right coverage? Contact Max Insurance LLC. We’re here to serve Des Moines, IA residents with guidance and support every step of the way.

Getting your Iowa home ready for winter

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The leaves are turning color, the days are getting shorter and the air has the crispness that means winter is just around the corner. It is time to start preparing your home for the winter to come. At Max Insurance LLC in Des Moines, IA, we help our customers make sure that their homes are protected, no matter what the winter weather may bring. 

Protecting Your Home

Clean the gutters

Leaves are one of the main items of debris that clog up your gutters. If you don’t have gutter guards, you need either to clean them out yourself or to hire someone to clean them. If they are clogged when the winter snow and rain come, they can back up and cause roof damage. 

Get your chimney cleaned

Before you make your first fire of the year in your fireplace, get your chimney cleaned. Chimney fires are always a potential danger, and why take the risk?

Have the furnace cleaned and tuned

Before you need it, it is always a good idea to have your furnace cleaned and tuned for the coming season. The filter needs to be changed and if there are any issues, you don’t want to wait until the cold weather is upon you. 

Check the smoke and carbon monoxide detectors

You will be spending a lot more time in the house in the winter, and it is a good idea to make sure the air that you are breathing won’t kill you. It is just a matter of testing and replacing the batteries in the battery backup. 

Plug the leaks

Make sure that your windows and doors fit tightly and are not letting your heat escape. 

Get Home Insurance

Contact Max Insurance LLC in Des Moines, IA when you want to discuss your current home insurance or are a new homeowner looking for your first home insurance.

Commercial Insurance Basics

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If you are a business owner in the greater Des Moines, IA community, it is imperative that you have proper insurance in place. Commercial insurance provides protection to you, your employees, and your customers. At Max Insurance LLC we can help you find the perfect policy. Keep reading to learn more. 

Do I Need Commercial Insurance?

Yes, if you are a business owner, you will need certain types of insurance in place. A commercial insurance policy will bundle these insurance coverages together to make your life easier. 

What If I Don’t Have Insurance?

If you do not have commercial insurance in place, you risk your company. Certain types of events could devastate your business financially. These include property damage, property loss, employee injuries, customer liability lawsuits, and more. Any of these events could result in huge expenses and even legal actions against your business. 

A solid commercial insurance policy can protect you from these types of expenses and risks. 

What Does Commercial Insurance Cover?

Commercial insurance will provide coverage in the following areas:

  • Property damage– If your property is damaged or lost due to fire, natural disasters, or burglary, the insurance policy will pay for repairs. If you do not have insurance in place, these expenses fall to you. 
  • Liability coverage is very important if you want to protect yourself from legal actions. If an employee or customer is hurt because of your goods or services or on your property, they can take legal action against you. This can get expensive. Liability insurance can help pay for these types of expenses. 

Get Commercial Insurance Today

If you would like to learn more about our services, please contact us at Max Insurance LLC, serving Des Moines, IA and the surrounding areas. We will be happy to help you.