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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

What’s the Difference Between Collision and Comprehensive Auto Insurance?

If you’re not sure what the difference is between comprehensive and collision car insurance, don’t feel bad. Many people get these two types of coverage confused. While nearly every state requires liability insurance, comprehensive and collision are optional. The vast majority of drivers include this coverage, particularly for newer vehicles.

Our team at Heimgartner Insurance Inc, serving customers in Sioux City, IA, has put together this quick guide to help you better understand your auto insurance options.

What’s Collision Insurance, Anyway?

Collision coverage pays for damage that occurs when you run into various objects, such as guard rails, mailboxes, and telephone poles. This insurance reimburses you for repairs caused by covered events. It may also include coverage on damages due to potholes and flipping your vehicle.

Tell Me About Comprehensive Coverage

If you want protection for non-collision events, add comprehensive coverage to your policy. Our agents can help you choose a policy that reimburses you in case you hit a deer, your car catches fire, or your vehicle becomes mired in a riot or protest. Your insurance company may also pay for damages to your car in the event of a broken windshield or airbag theft.

It’s important to get advice from licensed insurance agents who have your best interests at heart. Do you still have questions? Let us help you review your current policy for gaps that we can address.

Get Car Insurance That Makes Sense for You

Keep in mind that your lender may require both types of insurance as a condition of the loan. Feel free to make an appointment at our office to discuss affordable comprehensive and collision coverage for your vehicles. Contact Heimgartner Insurance Inc to make an appointment for a free quote on car insurance in Sioux City, IA.

Can You Dictate How Your Life Insurance Proceeds Need to Be Used?

Life insurance can help provide your loved ones with money to carry out your final wishes and money to live on after you pass away. Many people want to have a say in how their life insurance money is spent after they pass, and as such, they wonder if they can dictate how their life insurance proceeds are to be used. Our insurance experts at Heimgartner Insurance Inc, helping those in the greater Sioux City, IA area, provide an answer to this question. 

Can You Dictate How Your Life Insurance Proceeds Need to Be Used?

Unfortunately, you cannot put any rules or stipulations on how your life insurance proceeds need to be used. When you purchase a life insurance policy, you have full control over who you name as a beneficiary. Once you pass away, the money will be distributed to the person or persons that you named as beneficiaries. Once the money is distributed, the beneficiaries can spend the money however they wish. There is no way to dictate how the money can be spent or what it can or cannot be spent on. 

While you cannot specifically dictate how you want your life insurance money to be used once you pass away, this does not mean that you should not purchase life insurance. Life insurance can still be beneficial to your family, and most people use the money responsibly.

Give Us A Call

If you are looking to provide for your family in case you pass away unexpectedly, Heimgartner Insurance Inc, serving the greater Sioux City, IA area, can help you find the life insurance product that best meets your needs. Call us now to start the process. 

Three factors to consider when you buy classic car insurance

At Heimgartner Insurance Inc, we can meet the insurance needs of classic car owners in Sioux City, IA. If you want to learn more about classic car insurance, get in touch with us today.

Classic car owners need to consider quite a few different factors when they purchase an insurance policy for their vehicle.

The following are three factors to consider when you buy classic car insurance:

The value of your classic car

The value of your classic car is an important factor because classic car policies ideally offer agreed-value coverage.

With agreed value coverage, an insurance claim following a total loss will be guaranteed to provide you with a certain amount rather than offering you a reduced amount if your vehicle has depreciated in value. 

The frequency with which you use your classic car

Insurance providers typically won’t offer classic car insurance coverage on a vehicle that is used too often. These policies are generally only available for "limited use" vehicles.

You’ll therefore want to discuss how frequently you use your vehicle with your insurance provider. 

The types of coverage you want to have on your policy

Like other types of automobile insurance, classic car insurance policies can offer numerous different types of coverage.

All classic car insurance policies should include liability coverage. As options, you can also purchase collision, comprehensive, and uninsured motorists coverage. Carefully consider these various coverage types to get the coverage you want and need for your classic car. 

Reach Out To Us

You need to get quotes on classic car insurance policies available to you in Sioux City, IA before you choose one. Get a classic car insurance quote from us today at Heimgartner Insurance Inc so that you can find the right policy. 

Does Renters Insurance Cover Pet Damage?

Many animal lovers choose to live with their pets in-house. Pets provide companionship and alleviate loneliness, especially for single people who live alone.

But this comes with some complications, as some pets tend to be a bit destructive. A good percentage of people seek out renters’ insurance to protect them from expenses when their pets damage the landlord’s property. Disappointment follows as renters’ insurance does NOT cover pet damage to their nor their landlord’s property.

Heimgartner Insurance Inc. is here to help learn a bit about renters’ insurance and pets. We proudly serve the greater Sioux City, IA area.

Renters’ Insurance and Pets

Does renters’ insurance cover pet damage? As you read above, no, it does not cover all damage to property. This could be your property or your landlord’s. If any destruction takes place because of your pet, you’ll be on the hook for repair expenses.

Note, if your pet causes damage to other peoples’ property while they’re on your premises, this is usually covered.

Complications with pet ownership and rental properties cause some landlords to totally disallow pets on their premises as it is sometimes not worth the risk.

Renters know that people with pets must pay out of pocket for certain damages and avoid buildings with animals as this could lead to conflict with neighbors. Some landlords even require a pet security deposit to cater for any damage caused by pets in the building. Such deposits are non-refundable.

Renters Insurance and Dog Bites

A lot of insurance providers cover dog bites under renters’ policies. Some insurers require some details about your dog such as breed and other details to take them on. Dog bites fall under the liability section of your policy. Medical bills and legal fees are some of the expenses covered by such policies.

Contact Us Today

Renters’ insurance does not cover all damage to property from pets, but some pet-tailored policies do. To find out more, contact Heimgartner Insurance Inc. serving Sioux City, IA and surrounding communities.

The importance of wearing a helmet while riding a motorcycle

Heimgartner Insurance Inc has been serving the Sioux City, IA area riders with coverage for their motorcycles. There are some common factors that we come across, one of which is the issue of wearing a helmet.

Motorcycle helmets are an important piece of safety equipment for anyone who rides a motorcycle. This is because they protect your head from serious injuries in the event of a crash or collision.

Wearing a helmet is essential for keeping you and other drivers on the road safe.

There are two main types of motorcycle helmets: full-face helmets and half helmets. Each type comes with its own set of advantages and disadvantages, so it is important to consider which one best suits your needs before making a purchase.

Full-face helmets provide more protection than their half-helmet counterparts due to their full-face covering. Not only do they protect your head, but also your face and jaw in the event of an accident. Full-face helmets also help keep out wind, noise, and insects when riding. However, these helmets can cause some riders to feel claustrophobic and uncomfortable when worn for long periods of time.

Half-helmets provide less protection than full-face helmets, but they are generally lighter in weight and more comfortable to wear. They also allow the rider to wear goggles or sunglasses to protect their eyes from wind, bugs, and debris—a feature that is not available with full-face helmets. However, half-helmets do not offer as much protection as full-face helmets in the event of a collision or crash.

Ultimately, whether you choose a full-face helmet or a half-helmet comes down to your own personal preference and riding style. However, it is important that you always wear some type of helmet when riding a motorcycle in order to keep yourself and others safe on the road.

Make Sure To Carry Motorcycle Insurance

For more safe riding tips, call Heimgartner Insurance Inc today. We proudly serve the Sioux City, IA area. 

Three things to do when you need boat insurance

Taking out a boat insurance policy is important if you want to be financially secure as a boat owner. Heimgartner Insurance Inc offers boat insurance coverage to boat owners who reside in Sioux City, IA.

There are a few important things you need to be sure to do when you need to purchase a boat insurance policy in Iowa.

The following are three things to do when you need boat insurance:

Determine the navigational areas in which you want to be insured

One of the most important things that boat owners need to know about boat insurance coverage is that policies usually limit coverage to a certain navigational area.

When you purchase boat insurance, you’ll have to specify to your insurance provider the areas in which you’ll be using your boat and need coverage. 

Learn about the different types of boat insurance

There are quite a few different types of coverage that can be included in a boat insurance policy. These include liability, physical damage, uninsured/underinsured boater, hull, and fuel spill liability coverage.

You need to understand these different types of coverage and choose which ones you want when you buy boat insurance coverage. 

Get quotes on boat insurance policies

It’s always best to get quotes from multiple boat insurance providers when you need to choose a policy. When you do this, you can compare costs and find a policy with competitive rates. 

Contact Us Today

Let us help you find boat insurance in Sioux City, IA. We can help you through the process of finding the right policy at Heimgartner Insurance Inc. You can contact us by email or by phone when you’re ready to get a policy quote. 

Is umbrella insurance only for the wealthy?

Umbrella insurance is surrounded by myths and misunderstandings. What it is and why it is valuable is not universally understood. At Heimgartner Insurance Inc in Sioux City, IA, we try to make sure that our customers have the information they need to make educated decisions about the coverage they choose. 

To understand the benefits of umbrella insurance, you need to know what it is and what it does:

Think of your umbrella insurance as an umbrella. Your assets are the person using the umbrella and the rain is a danger to your assets. The umbrella keeps the rain away from the person and umbrella insurance protects your assets from any danger to them. Another analogy would be that the umbrella covers all of the policies that you carry are protected and extended with the umbrella insurance coverage. 

Umbrella insurance is an additional layer of liability protection that supplements the liability coverage that you already have. Umbrella insurance is not a stand-alone policy, it can only be purchased if you already have a policy with liability coverage. You don’t need to get it from the same company, but you do need to have a policy. Liability coverage is on many different policies, including home, auto, and commercial. 

How it works is this, if you are sued, your primary insurance will cover you up to the limit of your policy. If you don’t have umbrella insurance, you are responsible for paying any judgment beyond the limit of your policy. If you have umbrella coverage, it will kick in when you reach the limit of your primary policy up to the limit of the umbrella policy. Legal expenses are also covered. 

Get Umbrella Insurance Today

Contact Heimgartner Insurance Inc in Sioux City, IA to discuss how umbrella insurance may be a good choice for you. 

What every driver should know about auto insurance

If you are like most people, you probably don’t think a lot about your auto insurance except when it renews or when you need to use it. But, you don’t want to find out when you are in an accident that you don’t have the right coverage. At Heimgartner Insurance Inc in Sioux City, IA, we make it our responsibility to get to know you and your auto insurance needs. 

Auto Insurance: What You Need To Know


Your auto insurance has a deductible. You can choose the amount of your deductible, usually either $500 or $1000, depending on what you would be comfortable paying out of pocket. But keep in mind that the lower the deductible the higher the premium. It is a gamble. Will it benefit you more to pay less every year or pay less if you have an accident? 

Liability Coverage

A basic auto insurance policy has a state-mandated amount of liability coverage. In Iowa, it is 20/40/15. That means that for one person injured in an accident you are responsible for, $20,000 will be paid for bodily injuries and $40,000 for all injuries, with $15,000 for property damage. This is pretty basic when considering what a hospital stay can cost and could leave you with many out-of-pocket expenses. 

You can increase the amount of coverage you have, and you can also get an umbrella insurance policy to give you even more protection. 

Read your policy

Read the declaration page of your auto insurance policy. You need to know if you have full glass coverage and rental car coverage. Both of these are valuable, and you may or may not have them depending on your carrier. 

Get Auto Insurance Today

Contact Heimgartner Insurance Inc in Sioux City, IA for all your insurance needs. 

Is a term life insurance policy enough for your needs?

If you live in the greater Sioux City, IA area and have questions about life insurance, the team at Heimgartner Insurance Inc is here to help! We can answer any questions that you may have and provide you with the information needed to make an informed decision about life insurance. Give us a call, or stop by today.

Is term life insurance enough for your needs?

When it comes to life insurance, it can be difficult for some people to decide how much and what kind they need. Term life insurance is sufficient for some people’s needs, and it might be right for you too.

Whole life policies provide living as well as death benefits for the insured and their beneficiaries. There are some people who do not need these benefits and could be adequately protected with a term policy. 

If you want to have a death benefit so that your loved ones don’t have to come out of pocket for your burial and end-of-life expenses, a term policy may be sufficient. People who have a significant estate but worry about probate or the length of time that it may take for their estate to be disbursed may also benefit from a term policy.

Anyone who isn’t looking to protect their children or other dependents may find that term-life policies are adequate for their needs. Determining the right type of life insurance for your needs may take a little bit of time, but it is definitely worth the effort!

We are here to help!

Heimgartner Insurance Inc is proud to provide the greater Sioux City, IA area with quality insurance services. If you have questions about life insurance, we are here to help! Give us a call or stop by today.

Do I Need Special Coverage if I Take My Classic Car to Shows Or Rallies?

If you’re a classic car enthusiast, you’ve probably been to at least one car show or rally. These events are a lot of fun and give you a chance to show off your prized possession. However, if you’re unsure whether or not you need special coverage for these events, don’t worry – we’re here to help. Heimgartner Insurance Inc in Sioux City, IA can help you navigate this important coverage.

Here are the insurance requirements for classic car shows and rallies:

Do You Need Special Coverage?

It depends on a few factors, such as the value of your car and the type of event you’re attending. If you’re taking your classic car to a local show or rally, chances are it’s not worth enough to warrant special insurance coverage. But if you’re taking your car out of state or to a major event, it might be a good idea to get some extra protection.

What Will the Classic Car Policy Cover?

So you’ve finally taken the plunge and decided to show your classic car at a rally or auto show. Congratulations! But before you load up your prized possession on the trailer and head out, you might want to consider getting some special insurance coverage for it. Here’s what you need to know.

Your classic car is probably already covered by your auto insurance policy, but the coverage might not be enough to protect you if something happens to your car while it’s on display. That’s where a classic car insurance policy comes in.

A classic car insurance policy is designed to give you peace of mind by providing additional protection for your classic car. Here are some of the things that a classic car insurance policy can cover:

  • Damage to your car while it’s on display
  • Theft
  • Vandalism
  • Accidental damage to other vehicles or property

So if you’re planning on taking your classic car to a show or rally, get the right insurance coverage from a reputable company such as Heimgartner Insurance Inc in Sioux City IA.

Contact Us Today

If you’re still not sure if you need special coverage for your classic car, Heimgartner Insurance Inc in Sioux City, IA is always happy to help. Give us a call or stop by our office, and we’ll be more than happy to answer any of your questions.

Partner Carriers

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