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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

Do You Need High-Risk Motorcycle Insurance?

Heimgartner Insurance Inc. writes insurance policies for motorcycle riders in Sioux City, IA, and the whole state. Some of our customers need high-risk motorcycle insurance but don’t know they need it.

Insurance is a Must for All Motorcycle Operators in Iowa

The Iowa Motor Vehicle Financial and Safety Responsibility Act requires all drivers, whether they are driving a car or a motorcycle, to show financial responsibility after an accident.

Some of our customers read the law and conclude that motorcycle operators don’t need insurance.

After all, Iowa law allows motorcyclists to show financial responsibility by:

  • Obtaining a court judgment that they don’t owe any damages.
  • Posting a bond with the Iowa Office of Driver Services.
  • Agreeing to pay the other party’s repair and medical bills on an installment plan.
  • Getting everyone involved in the accident to sign an official release from liability.
  • Documenting full settlement of all charges arising from the accident.
  • Showing proof of Iowa motorcycle insurance.

It’s possible to stay out of jail without Iowa motorcycle insurance, but you must pay your way to show you have met your legal obligations if you don’t have insurance. In some cases, you will need to purchase high-risk motorcycle insurance.

Reasons Some Motorcyclists Need High-Risk Motorcycle Insurance

If your history with motorcycles shows you are likely to file a claim, you may need high-risk motorcycle insurance.

What suggests you are likely to file a claim?

  • You are male and under 25.
  • You have less than three years of riding experience.
  • You have a lot of speeding tickets or tickets for other moving violations.
  • Your credit score is under 600.
  • You have filed two or more claims for accidents in the past.
  • You have multiple traffic tickets or have been arrested for a DUI.
  • You own a super-sport motorcycle (a "crotch rocket") or use your bike in races.

High-risk motorcycle insurance costs more, but Sioux City, IA, area insurance experts at Heimgartner Insurance Inc. can help you find the coverage you need at the best price. Come in to see us about your next policy today!

Here’s Why You Can’t Go Fishing Without Boat Insurance

At Heimgartner Insurance Inc., we’ve seen far too many Sioux City, IA, residents think that they can get by without boating insurance while fishing. That’s a mistake that you simply can’t afford to make. Here’s what you need to know about this issue and ways that insurance can help you out.

Boating Dangers are a Real Issue 

Even if you just own a simple one-person fishing boat, you put yourself at risk every time you go fishing. We don’t want to scare you or go too wild here, but there’s always a risk you’ll run into rocks while fishing. You could even run into other boats and cause serious damage to them.

What happens if you don’t have auto insurance policies and you experience these issues? Unfortunately, you’ll likely have to pay for boating repairs and even health coverage for anyone affected, especially if you caused the crash. Thankfully, boating insurance can minimize this risk.

Why Insurance Helps 

A boating insurance policy can cover you in these situations and provide the help that you need. It will pay for various types of devastating damage and get your boat in working order more quickly. Just as importantly, it can ensure that your fishing experiences are more relaxing and enjoyable.

Like with auto insurance, there are various coverage levels you can consider here. For example, some may go for comprehensive policies that take care of all boating issues. Others may prefer simpler policies that feel better for their needs. No matter what you want, we can help you.

Let Us Know What You Need

With the help of Heimgartner Insurance Inc, you should find it easier to find good boating insurance policies in Sioux City, IA. We’ll do whatever we can to help you get the support that you deserve. Reach out to our team today to learn more about your options and get the results you need.

Umbrella Coverage Protects Renters, Too!

Most tenants consider renter’s insurance as basic coverage that is a standard choice for wise renters of any age. At Heimgartner Insurance Inc., we tailor insurance to our Sioux City, IA customers’ needs, going beyond basic insurance to provide additional benefits. One of these options for renters is umbrella insurance, coverage that goes beyond basic liability and property coverage at a reasonable cost. It’s not just for those with significant assets, homeowners, and those who risk liability in their activities such as recreation. Still, when you go boating around expensive yachts, are renting while you look for another house with significant funds in the bank, or have other sources of financial exposure, umbrella coverage can be excellent protection.

Umbrella Coverage is Easy to Choose

As an add-on, umbrella insurance is easy to select and generally affordable, so renters can protect their assets and income in the case of liability and benefit from other risk protection as well. It’s increasingly an important option for those with a high income, high rent situation, who need protection even though they’re not traditional homeowners. If your recreational choices or other activities could expose you to higher risks, umbrella coverage can also provide a reasonable way to absorb surprisingly high liability in certain situations. Ask your Heimgartner Insurance Inc representative how this could apply to your lifestyle and provide benefits beyond your renter’s insurance.

Consult With Us

When buying insurance, you can benefit from specific coverage and multi-policy discounts by thinking about your whole financial and insurance picture. Let our experienced agents help you in Sioux City, IA answer your questions about insurance for your life today and planning for the future. We often have suggestions for our clients based on our experience, that get you better protected!

How much auto insurance do I need? I recently paid off my late model car.

Many lenders require drivers to purchase full coverage auto insurance while financing a car. This coverage ensures that the lender is protected should anything happen to the car before it’s paid in full. However, once the driver has paid his or her auto loan in full, they are free to carry the required state minimum auto liability coverage and nothing more. Our Heimgartner Insurance Inc. team is committed to helping Sioux City, IA drivers understand different insurance options.

What is considered full coverage auto insurance?

Full coverage auto insurance includes liability, collision, and comprehensive coverage. Each form of coverage is designed to fit specific situations and circumstances that a driver might experience. For example, auto liability coverage is designed to pay for any property damage or injuries you may cause to others while driving. There are coverage limits, however. The coverage will pay for any damage or injuries up to the specified limits set by the insurance policy. Comprehensive and collision coverage will pay for the repair of your car if it’s damaged in an accident, as well as the repair of your car for any damage incurred as a result of some natural disasters and other non-moving accidents, theft, and vandalism. 

How much auto insurance do I need? I recently paid off my late-model car.

It may be a good idea to continue to carry full auto insurance if you own a late-model car. Although the lender no longer requires full auto insurance coverage once your loan has been paid off, any damage your car sustains would probably be difficult to pay for out of pocket. Plus, if you own a late-model car, your car’s value is probably more than your insurance premium. This means that if you were in an accident, your car would be eligible for repair if you had the proper coverage because its value still exceeds the premium.

If you have questions regarding auto insurance coverage, call us at Heimgartner Insurance Inc. in Sioux City, IA. We’d be happy to help you explore your options. 

Four life insurance rules to follow

Life insurance is a necessity if you have dependents whom you support financially. At Heimgartner Insurance Inc., we can provide life insurance coverage to consumers in Sioux City, IA. 

There are numerous rules that consumers should always follow when they buy life insurance.

Here are four life insurance rules to follow:

Have records about life insurance coverage readily available

Once you buy a life insurance policy, you should print out your policy details and keep them available in your family records. This will make it easier for your beneficiaries to file a claim on your policy when you pass away. 

Update your life insurance coverage once in a while

Every few years, you should consider how your family’s life insurance needs have changed. You might want to make some changes to your life insurance coverage if the financial situation of you or your beneficiaries changes. 

Discuss life insurance coverage with beneficiaries

It’s essential for your beneficiaries to know about your life insurance coverage. Your beneficiaries should know what company provides your life insurance coverage and what the benefits are that your life insurance policy offers. 

Get quotes on numerous life insurance policies

Comparing quotes from different life insurance providers is an essential step when you buy life insurance. Getting numerous quotes and comparing them helps ensure that you choose a life insurance policy that is both competitively priced and ideal for your family’s unique financial situation. 

Consult With Us

Are you in the market for life insurance in Sioux City, IA? You can rely on us at Heimgartner Insurance Inc. to get the coverage you need. Give us a call to get a quote on a policy. 

Can I take my classic car out for a weekend drive under a classic car policy?

Unlike the vehicles people drive every day, a classic car provides a different experience, whether that experience is based on a time, brand, technology, or styling. Whatever turns your crankshaft, part of the joy of owning a classic car comes from driving it, so your classic car insurance policy should factor into your plans for driving the vehicle. If you are considering acquiring a classic car policy, contact the Heimgartner Insurance Inc. team serving Sioux City, IA, and we’ll create the policy that best meets your needs.

Classic Car Insurance

Classic cars are different from everyday vehicles, as are the insurance policies covering them. Everyday vehicles depreciate with age and mileage, and your coverage is based on that assumption, while the agreed value drives classic car insurance.

Another key difference is how the two types of policies handle mileage. Classic car insurance is not designed for everyday use and almost always has an annual mileage limit. However, while mileage limits exist, you have flexibility in determining those limits based on:

-How often you drive and show your car

-How far you live from the show or rally locations

-Whether you trailer your car when traveling longer distances

So, if one of your goals in owning a classic car is to take it on weekend cruises, an estimate of your weekend driving miles should be built into your mileage assumptions when signing up for your policy.

Working with Heimgartner Insurance Inc.

The Heimgartner Insurance Inc. team is here to answer your questions and help you obtain the classic car insurance that fits your needs. If you are in the Sioux City, IA, area, call or visit us today for all your insurance needs.

Why Renters Insurance Is Essential for Peace of Mind

A crucial element often overlooked by renters is renters insurance. Here at Heimgartner Insurance Inc., serving the greater Sioux City, IA area, we’ve seen many renters fail to protect themselves with this type of insurance. Here are some of the reasons why it’s so important.

Why Renters Insurance

Protection for Your Valuables

Renters insurance acts as an impregnable shield, safeguarding your personal belongings against unforeseen perils such as theft, fire, or natural disasters. In the event of such incidents, your policy ensures that you can recover or replace your belongings without enduring financial strain.

Liability Coverage and Financial Security

Accidents can strike at any moment, potentially resulting in injuries to guests or damages to the property. Renters insurance offers a protective veil by covering medical expenses and legal fees. This not only mitigates potential financial liabilities but also fosters a secure living environment.

A Smart Investment

Renters insurance extends its protective umbrella beyond the physical confines of your rented space. Whether you’re at home or traveling, your coverage remains steadfast. This comprehensive security comes at a surprisingly affordable cost, making renters insurance a prudent and wise investment.

Schedule A Consultation Today!

In the realm of rental living, peace of mind is not a luxury but a necessity. Renters insurance is your unwavering partner in ensuring that unexpected events do not disrupt your equilibrium or jeopardize your financial stability. It is an investment in the tranquility and security that every individual deserves as they embark on their rental journey. If you’re renting a home and don’t have renters insurance, now is the time to make a purchase. Call or email Heimgartner Insurance Inc., serving the greater Sioux City, IA region, to obtain an estimate for a renters insurance policy.

What Is Proof Of Financial Responsibility Regarding My Motorcycle?

Iowa asks that all motorcyclists provide proof of financial responsibility following an accident instead of before one. Iowa is an "at fault" state, which means that if you cause an accident, your insurance will pay the other party. However, you will be required to provide proof of financial responsibility. 

What Proof?

Heimgartner Insurance Inc in Sioux City, IA can help you keep track of the proof you’ll need:

    • Cash or a cashier’s check made out to the Office of Driver’s Services,

    • Releases from the parties in the accident,

    • The result of a civil suit relieving you of responsibility in the accident,

    • The filing of an agreement to pay for the damages by installment plan,

and many more. You should also know these things about motorcycle insurance.

The Circumstances

Drivers might be asked to provide proof of financial responsibility if:

    • they are operating a vehicle while under the influence of drink or drugs,

    • their license has been suspended,

    • the driver is a habitual offender,

    • the driver has multiple out-of-state moving violations.

What Else Should You Know About Iowa Motorcycle Insurance?

The statute of limitations on bodily injury from a motorcycle accident is two years. Medical experience proves that an injury doesn’t show up immediately, and both insurance and the law take that into account.

Some bikers are the victims of hit-and-run motorists. Since these are clearly at-fault drivers, the motorcyclist’s injuries are covered under their uninsured motorist coverage.

An interesting aside is that a lay-up policy covers a bike that’s parked in the garage during winter weather when it’s unsafe to ride. It drops coverage to just comprehensive and is thus cheaper.

We Are Here To Help

Motorcycle insurance is a bit more involved than simple car insurance. Heimgartner Insurance Inc in Sioux City, IA will walk you through it when you call or drop in to ask about it.

Should all people in Iowa get a boat insurance plan when buying a boat?

If you are a resident of the Sioux City, IA area, you likely know how warm the summer months can be. One of the best ways you can have fun in the heat is by getting your own boat and enjoying all of the local lakes and rivers. If you are going to buy a boat, getting insurance for it is critical. There are various reasons why someone in Iowa should get a proper boat insurance plan. 

Protect Your Boat

A great reason to have a boat insurance plan is that your boat is covered. A boat can cost a lot of money to purchase and maintain. Because of this, having insurance for it is always a good idea. If you are insured, you will have the support you need to repair or replace the boat in a situation with theft or accident damage. 

Be in Compliance

It is also a good idea to get this coverage so you can remain in compliance with such insurance obligations. Some common insurance requirements include meeting standards set by a boat loan provider or having insurance that meets the rules of your marina. With a proper boat insurance policy, you can continue to have this support and remain in good standing with your obligations. 

Reach Out To Us

Owning a boat can be a lot of fun if you are in the Sioux City, IA area. If you are going to purchase a boat in this area of the state, you will want to get insurance for it. A great way to start this process is by calling our team at Heimgartner Insurance Inc. There are many important choices and factors to consider, and our professionals with Heimgartner Insurance Inc can help you pick an ideal plan.  

I have a very small online business. Do I need umbrella insurance?

As a business owner, you have assets and other business-related things that you need to protect. Your current business insurance policy may meet most of your needs, but situations may require more than your primary insurance will cover. Even as a small online business owner, there are things you need to protect to keep your business running. Our Sioux City, IA team at Heimgartner Insurance Inc is committed to helping small business owners understand the benefits of umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is secondary insurance designed to kick in once the maximum limits of your primary insurance have been met. This insurance covers anything that exceeds the limits of your primary insurance.

However, there are instances when umbrella insurance can act as primary insurance if a situation, circumstance, or incident isn’t covered at all by your primary insurance. Of course, the guidelines of your umbrella insurance policy determine if your umbrella insurance can cover situations not covered by primary insurance. Every insurance company will have its own guidelines and eligibility requirements.  

I have a very small online business. Do I need umbrella insurance?

Maybe. As an online business owner, you need to discuss the risks and potential pitfalls with an insurance agent. You’ll be able to gauge whether or not umbrella insurance will be a necessity or beneficial.

As an online entrepreneur, you’ll still want protection from liability claims as well as protection for your brand and data. As a result, umbrella insurance may be a good investment for providing extra protection should any situations that compromise your brand or pose liability risks emerge.

Looking for Insurance in Sioux City, IA?

If you have questions about umbrella insurance, we’re here to answer them. Call us at Heimgartner Insurance Inc. 

Partner Carriers

  • Aetna
  • Allstate
  • American Modern
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  • Encompass
  • Farmers Mutual Hail
  • Foremost
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  • Humana
  • Liberty Mutual
  • MetLife
  • Mutual of Omaha
  • Progressive
  • Silver Scripts
  • Travelers
  • WellCare