Author: Todd Duvall, Demand Media | According to the Insurance Information Institute, typical homeowners insurance covers tree-related damage. Let’s say a falling tree branch crashes through your roof during a storm, causing not only damage to your roof, but to the room below that was saturated with rain water. As long as your home is insured,… Read More »
Excerpt from ia Magazine – Author Bill Wilson | An agent’s insured has multiple rental properties. During a recent inspection, the insured found hail damage to a roof and reported the claim to his agent, but was not sure of the date the hail caused the damage. Q: “The adjuster claims the last hail storm… Read More »
Excerpted from Independent Insurance Agents of Iowa, Iowa Agent Newsletter – June 23, 2014 | Question: My client’s house was damaged by hail, the siding is no longer made and can’t be matched. How should this loss be settled? The client has replacement coverage on the home and the carrier does not believe they have to replace all the siding to match.… Read More »
Public liability coverages generally defend against third-party allegations of your negligent action or non-action. That is, you or another insured are alleged to have committed a civil wrong or tort. Bodily injury liability (BI) and property damage liability (PD) coverages can be purchased with either split limits – a separate limit for BI and for PD, or a combined single… Read More »
Author: Bob Walton, Walton Insurance Agency, Inc. – Since its invention in the 1930s by Blairstown, Iowa native George Nissen, the trampoline has proven to be one of the more dangerous sports devices ever invented. It has led to countless injuries, ranging from bruises and sprains to broken bones, paralysis and death. So say such… Read More »
“For federal employment tax purposes, the usual common law rules are applicable to determine whether a worker is an independent contractor or an employee. Under the common law, you must examine the relationship between the worker and the business. All evidence of the degree of control and independence in this relationship should be considered. The… Read More »
It means that we make the effort to add a positive additional value to our insurance products and customer service – which otherwise might be labeled “average” or “plain vanilla.” Most of us perform some level of value adding in our daily lives without giving it a second thought. It can take the form of a warm… Read More »
We sell all types of property and casualty insurance for vehicles, homes, farms, crops and businesses of all kinds. Close to sixty-five percent of our sales volume is commercial, thirty-five percent is personal and we currently do not market life or health insurance.
The short answer is: Choose the largest deductible with which you are comfortable that will significantly reduce your premium. Each of us has a different tolerance for risk which is reflected in our buying decisions, not just insurance deductibles. Due to inflation of the U.S. dollar, the ‘standard deductible’ has risen from $100 (or even… Read More »
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