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Windsor Heights, IA 50324

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Is it time to upgrade to a more comprehensive policy to protect your IA home?

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Max Insurance LLC is proud to be the agency that the residents of Des Moines, IA and the surrounding area rely on. If you want to make sure that your home has the protection it needs, we can help! There are many comprehensive home policies available in our area, one of which is sure to be right for you! Give us a call or stop by our office today.

Time to upgrade your homeowner’s policy?

It’s human nature to not pay too much attention when a situation is working just fine. This is why so many people simply renew the same homeowner’s policy year after year without giving it much thought. While this can be okay in many situations, no one wants to find out that they are uninsured when they go to file a claim.  

An annual review of your homeowner’s policy is a great idea for this reason and more! Iowa home values increase as time goes by, and your original policy may not provide adequate protection any longer. Also, you may make improvements throughout the years, or purchase expensive items such as complex electronic devices or artwork.

Upgrading to a comprehensive policy can mean that you have the coverage you need now and in the future. We can help you determine your insurance needs and help you find a policy that meets them. Take a look today!

Get in touch with our team today!

Residents in the greater Des Moines, IA area turn to the team at Max Insurance LLC for all of their insurance needs. If you have questions about home insurance or think it may be time to upgrade your policy to one that is more comprehensive, contact us today.  

I Only Drive Occasionally. Do I Still Need Auto Insurance?

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According to research, the average American will spend about 290 hours driving each year. That’s a little over an hour each day. But what if you don’t drive every day? Maybe you only use your car for weekends or occasional errands. Do you still need auto insurance? This article will explore whether you need auto insurance if you don’t drive often. Max Insurance LLC in Des Moines, IA can help you navigate this important insurance coverage.

Why Car Insurance Is a Must Have

If you own a car, most states require you to have some form of auto insurance. Even if you don’t use your vehicle every day, it’s still considered a liability. If you get into an accident, your insurance will help cover the damages—whether it’s to another person, property, or both.

What Type of Auto Insurance Do You Need?

The type of insurance you need will vary from state to state. But in general, you’ll need at least liability coverage, which pays for damages if you’re at fault for an accident. If you have a loan or lease on your car, your lender will also require you to have collision and comprehensive coverage, which pays for damages to your own vehicle.

How Much Auto Insurance Do You Need?

The amount of auto insurance you need will also depend on your state’s requirements. But even if your state doesn’t require a certain type or amount of coverage, it’s still a good idea to have it. Why? Because if you cause an accident and don’t have enough insurance to cover the damages, you could be held liable for the rest of the costs.

Give Us A Call

If you only use your car occasionally, you may be able to get by with a minimal amount of coverage. But keep in mind that even if you don’t drive often, you’re still at risk of being in an accident. If you are, you’ll want to make sure you have enough coverage to protect yourself financially.

If you’re in the greater Des Moines, IA community, get in touch with us at Max Insurance LLC. We can help you find the right auto insurance for your needs. We’ll work with you to customize a policy that fits both your budget and your coverage requirements. Contact us today to get started.

What is a business owner’s policy?

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When you contact Max Insurance LLC about commercial insurance policies for your Des Moines, IA business, you can handily obtain the four most necessary policies in one fell swoop with a business owner’s policy (BOP).

What is a business owner’s policy?

So, what’s in a BOP? It contains coverage for:

  • business interruption,
  • peril,
  • property damage,
  • liability.

How They Work Together

Liability insurance does its own thing. It protects your business from financial loss caused by an accident that injures any person on your business property. When an injury occurs at your place of business, you assume responsibility for it. Carrying insurance can often help you avoid going to court because the injured can file a claim and receive compensation directly from your insurance company.

While liability functions on its own, many businesses need to use the other three policies in a BOP all at once. When a named peril, such as fire or tornado, occurs, the peril insurance kicks in and pays for structural damage caused by the peril.

This typically means the business also incurs property damage, since if a tornado rips off your roof, your office equipment gets exposed to rain and wind. This component of the BOP pays for the replacement of the equipment, office furniture, etc.

The business interruption policy reimburses your business for the days or weeks it must close due to the structural damage and lack of equipment. This coverage lets you continue to pay your employees and yourself.

Contact Us Today to Purchase Your BOP

Let Max Insurance LLC help you protect your Des Moines, IA business from loss. Contact us today about obtaining a BOP for your small business.

What Are The Consequences Of Driving Without Auto Insurance?

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It is costly to drive without insurance. While insurance can cost you thousands of dollars annually you may consider shopping for affordable deals. Compare costs from several insurance companies. You might also look into public assistance programs like government-sponsored insurance programs. 

Fines can include jail time, canceled licenses, or being fined according to the circumstances. When you get yourself in an accident and you don’t have the cover, your may risk your savings and assets. Max Insurance LLC in Des Moines, IA can help with your auto insurance queries. 

Without Insurance Comes With Many Risks 

Your insurance might go high if you’re at fault. Without coverage, you cannot take advantage of savings offered by your insurance company, such as usage-based policies, multi-policy discounts, or policy upgrades. You might be responsible for prices associated with injuries and damages. 

Whenever there’s an incidence and you don’t have the cover, the other driver’s insurance will only cover their portion of the damages. You will also not have the protection of an insurer if you cause an accident and cause serious injuries to another driver or their passengers. It doesn’t matter if you’re injured and the other partner isn’t insured. 

In case of an accident, you can get your license suspended and pay a large fine. In the worst case, it might cause serious injuries or even death to another driver or pedestrian if you are involved in a car accident. Uninsured drivers are viewed as a serious public risk, and they can be convicted as per the law. You’re responsible for the damages if your car is confiscated. It’s risky to drive when not covered and the consequential risks are high. You don’t want to stay unprotected until the bad day comes.

For help, call Max Insurance LLC – we serve Des Moines, IA and surrounding areas.

Why You Need Home Insurance

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When you are a homeowner, it’s likely that you are required to have home insurance by your lender. However, if it isn’t required for you, you still need to carry this insurance to help mitigate many risks that you face. If you own a home and don’t carry home insurance yet, call us today at Max Insurance LLC in Des Moines, IA to find out more. 

Why You Need Home Insurance

Covering Your House

A home insurance policy has coverage that is for your house itself. If something were to happen in an accident, disaster, etc., that was covered by the policy, the repair bills would go to the policy instead of to your pocket. A major incident that causes a lot of damage can cost tens of thousands and often even more. Keep yourself protected by carrying a home insurance policy for as long as you own your house. 

Protecting Your Belongings

It isn’t just the house itself that home insurance covers. It also covers all of your possessions that are inside that house. If an incident took place that destroyed your possessions, your policy can pay the cost of replacing them. This cost can be extremely high, depending on how much was destroyed. Home insurance protects you against having to come up with all of that money by yourself. 

Liability Protection

Another way that home insurance protects you is by covering your liability for accidents. If you had someone in your home, and they somehow became injured, your home policy can pay for the medical bills instead of it coming from you. This is important protection for every homeowner. 

Cover Your House With a Home Policy

If you don’t have a home insurance policy for your house, it’s time to get one. Give us a call at Max Insurance LLC in Des Moines, IA. 

     

How To Know If I Need Professional Liability Insurance For My Business?

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If you own a small business where your primary revenue is generated by offering a service, displeased clients can cause irreparable harm. Luckily, you can protect your livelihood with professional liability insurance. In short, professional liability insurance – or Errors and Omissions (E & O) – protects your business from the costs tied to a lawsuit by a client alleging shoddy work.

Benefits of Professional Liability Insurance 

If your client or customer believes that your negligence directly led to financial harm, they can take legal action against you and your business to recover from their losses. Consequently, professional liability insurance covers the following types of work-related issues:

  • Missed deadlines
  • Undelivered services
  • Budget overages
  • Work errors
  • Breach of contract
  • Negligence

Depending on the type of business you own – such as lawyers, doctors, or other medical professionals – you may be required to have professional liability coverage. At Max Insurance LLC in Des Moines, IA, we can help you understand your options and answer regulatory requirement questions.

Your commercial insurance policy likely includes general liability insurance, which may leave you wondering when additional professional liability coverage is needed. The short answer is that your general liability insurance policy covers you and your business from third-party claims such as bodily injury, property damage, and product liability. In addition to professional liability insurance, small businesses in Des Moines, IA and throughout the state are legally required to have commercial auto insurance on all business-owned vehicles and workers’ compensation injury if they employ one or more individuals. 

Contact Us Today

To learn more about commercial insurance and how it can help safeguard your business, give the professionals at Max Insurance LLC a call to schedule a no obligations consultation with a friendly and knowledgeable member of our team. 

 

What Home Owners Need To Know About Home Insurance

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Buying a house is a big deal. You want to do all you can to protect this huge investment. Not only will this be your residence, but it will also be your home, which carries with it a lot of emotional value as well. At Max Insurance LLC, it is our goal to help homeowners understand home insurance so that they can make the best insurance choices in Des Moines, IA. Keep reading to learn more. 

Do I Need Home Insurance?

If your home is mortgaged, you will most likely be required by your mortgage company to carry home insurance. This protects the mortgage companies investment into the home while you are paying on it. 

Even if you are not required by a mortgage company, though, home insurance is the only way to ensure that you are not left with catastrophic expenses if something were to happen to your house. If the house is damaged or destroyed due to fire, natural disaster or robbery, you would be responsible to repair or replace your home. This could put you and your family in a vulnerable position financially. 

Is Flood Insurance Included

Many homeowners assume that flood insurance is included in their policy. This is rarely the case. If your home suffers water damage because of something faulty within the home, your policy may cover those damages. Flood damage from a naturally occurring flood in your area, however, is something entirely different. You will need to sit down with an insurance representative to discuss flood insurance details. 

If you would like to learn more about home insurance or any of our other services, please contact us at Max Insurance LLC serving Des Moines, IA and the surrounding areas. 

Auto Insurance Myths Iowa Drivers Should Learn About

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Max Insurance LLC serves the Des Moines, IA community and surrounding areas. We work closely with multiple carriers across central Iowa. We strive to help our clients find coverage that aligns with their needs. We offer flexible policies that adjust as our clients navigate life’s challenges.  We look forward to helping you find the coverage you need to protect what matters most.

Auto Insurance Myths Iowa Drivers Should Learn About

While traveling around Des Moines, IA in your vehicle may not seem like a big deal, remember that operating a vehicle can be dangerous at times. You have to navigate constantly evolving road conditions and adapt to the behavior of other drivers. That’s why auto insurance is so important. Auto insurance covers you while you’re on the road. You are covered if your vehicle suffers damage. Liability coverage protects you if your vehicle accidentally causes property damage or injuries to someone, including your passengers. Comprehensive coverage protects you if your vehicle is stolen or vandalized. While you assess your policy options, learn about these common auto insurance myths.

The Color Of Your Vehicle Matters

The color of your vehicle is irrelevant to the terms of your insurance policy. Regardless of whether your vehicle is red, blue, black, or white, it’s important to practice safe driving habits.

Minimum Coverage Is Ideal

While minimum liability coverage is an asset if you accidentally cause damage, you are leaving yourself unprotected against possible risks. For example, minimum liability coverage won’t protect you if your mirror or windshield gets cracked. Adding comprehensive coverage may be more beneficial in the long run.

My Personal Items In The Vehicle Are Covered

This is incorrect. Your home or renters policy may cover any personal items in your vehicle if they are damaged.

Max Insurance LLC Will Help You Cover Your Assets

Visit our website to learn more information about auto insurance.

How commercial insurance can save your small business

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Small businesses make up 99 % of all businesses. A small business is defined as one with less than 100 employees. The reality is that most small businesses have 5 employees or fewer. When you are a small business owner, it doesn’t take too much to derail your business and force you to close your doors. Having the right commercial insurance can offer you the protection that you need to survive. At Max Insurance LLC in Des Moines, IA, we make it our business to know your business and recommend the best coverage for your business. 

Trying to keep your business thriving is not easy. If you get hit with a major hazard like a fire or busted pipe, it can put you out of business temporarily. If you don’t have commercial property insurance to help repair or replace your equipment, it can become permanent. Even if you are a renter, there are lots of ways this insurance can help keep your business going. It protects all the things you need to do business, like tools, machines, inventory, raw materials, and office equipment. 

Commercial liability insurance protects your business in the event you are sued. Since about half of all businesses will be sued in any given year, your chances are pretty high that you will be sued at some point. Insurance will pay for the legal fees and the judgment up to the limit of your policy. If you don’t have this insurance, you will be liable for the money and it may cause your business to close its doors. 

Business interruption insurance can be a real business saver. It supplies the money that you need to operate if you can’t be open. Your bills don’t stop just because your income does. While it doesn’t cover everything eventuality, it does cover many. Read your policy. 

Contact Max Insurance LLC in Des Moines, IA for business insurance information. 

Why should you get auto insurance in Iowa?

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When you are in the Des Moines, IA area, having a vehicle accessible to you is very important. If you are a vehicle owner, you are going to have a much easier time getting around the local area. When you do buy a car, you need to carefully assess your insurance options. There are various reasons why you should get an auto insurance plan here. 

Coverage is a State Requirement

An important reason to have auto insurance when you are in Iowa is that it will be a state requirement. Similar to other states, Iowa requires drivers to carry liability insurance. This coverage ensures you can cover damages that may be caused by an accident. If you do not have this basic coverage, you could be penalized and will also need to cover any damages out of your own pocket. 

Coverage Protects Vehicle

You also should get an auto insurance policy as it can help to protect your vehicle. If you choose to purchase a car, you will be making a significant investment that you will want to be able to enjoy. With proper coverage, you can receive the support needed to replace or repair your vehicle if you incur various losses along the way. 

Those that are looking for an auto insurance plan in the Des Moines, IA area will need to speak with someone that is experienced and that they can trust. As you are looking for support when picking an insurance plan, calling Max Insurance LLC is a good option. The professionals with Max Insurance LLC understand the value of this coverage and can help you build an ideal plan. They are able to do this by helping you assess all options and build a plan with personalized coverage.