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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. 

Is Home Insurance Required in Iowa?

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Homeownership in Des Moines, IA is easily one of the greatest accomplishments in a person’s life – pinching pennies, making sacrifices, and saving as much as you can to purchase the home of your dreams. There’s no greater feeling than getting the keys to your first house. 

With that responsibility comes an important decision – who will you trust with your home insurance policy? The team at Max Insurance LLC is highly experienced at breaking down coverage options and policies to find the most suitable one for you, your family, and your beautiful home. 

While home insurance is not legally required in the state of Iowa, many mortgage lenders do require the owners to maintain a policy to secure a loan and to protect their investment. Lenders often require a minimum amount of insurance to act as coverage for your home, but the state minimum isn’t recommended as your only protection for your home. 

Quality home insurance policies include coverage for personal property inside the home, coverage for structures outside the home on your property, and liability coverage that protects you in the event that a guest or visitor becomes injured while on your property. Liability coverage protects you and can often cover medical bills and various other hospital expenses. 

Home insurance may never be something you need, and you’ll be fortunate if that’s the case. But we can’t predict what’s going to happen, particularly where weather and natural disasters are concerned. If you’re interested in exploring home insurance policies in Des Moines, IA, be sure to contact the team at Max Insurance LLC. We’re here to help, and we can help you find the plan that fits your lifestyle, your future plans, and all your investments. Reach out to us today! 

Got A New Structure? Update Your Home Insurance

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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?

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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.