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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

Basic Boat Insurance Facts

Heimgartner Insurance Inc serves the Sioux City, IA community. We help simplify the process of obtaining coverage. We offer different policies designed to help our clients protect what matters most. We assess each of our client’s personal situations. This allows us to offer flexible coverage. Serving the community with integrity and professionalism is important to us.

Basic Boat Insurance Facts

During hot Sioux City, IA days, many residents enjoy heading out by the lake and enjoying time with their friends and family. Be aware that there are some risks associated with operating a boat. Obtaining boat insurance is recommended. This gives you a layer of protection while you’re out on the water. Boat insurance covers any damage that occurs due to a collision. You can add comprehensive coverage, which covers your boat if it suffers damage due to a fire or a natural disaster. If you accidentally damage someone’s property, liability insurance covers you. Liability insurance also covers you if one of your guests is injured while riding on the boat.

The policy also covers any damage to your personal items. If you modify your boat, you’ll need to add extra coverage in order to fully cover the accessories if they are damaged or stolen. You can amend your policy to cover you in unique situations. If your boat suffers mechanical issues, you can add emergency assistance coverage. This ensures that you will receive immediate attention regarding the issue. Fuel spill coverage protects you if your boat starts leaking fuel into the water. Pay attention to your policy’s navigation limits. Your policy’s navigation limits outline the areas where you are allowed to operate your vehicle and maintain coverage.

Heimgartner Insurance Inc Will Help You Cover Your Assets

Visit our website to learn more information about boat insurance.

5 Fast Facts About Umbrella Policies

Umbrella insurance policies are increasing in popularity because they protect what your regular home or auto insurance policies might not. Here are five fast facts you should know about umbrella policies before deciding if one is right for you.

1. Umbrella Insurance Provides Additional Liability Coverage

Most people already have some sort of liability insurance to cover the cost of injuring another person or damage to someone else’s property. But personal umbrella liability policies can increase your protection and provide additional coverage for extraordinary situations such as:

• A legal judgment resulting from any copyright, libel, or slander suit.

• Lawsuits resulting from allegations of professional negligence such as malpractice or errors and omissions allegations against an attorney or accountant.

2. Umbrella Policies Do Not Stand Alone

Umbrella insurance is not designed to act as your primary policy. Instead, it supplements the liability coverage in your homeowners and auto policies. Umbrella insurance only kicks in when you exceed the limits of an underlying policy.

3. Umbrella Coverage May Protect You Against Lawsuits

In some cases, umbrella insurance can protect you against a lawsuit even when your primary policy won’t. For example, if you are accused of libel, slander, or copyright infringement, umbrella insurance may protect you against the accusation even if your primary policy doesn’t.

4. Umbrella Policies Typically Cover Additional Expenses

If you’re sued, your primary insurance will pay the damages and then add any remaining expenses such as legal fees to what you owe. An umbrella policy can pick up where your standard policies leave off and pay for these additional expenses.

5. Umbrella Insurance Offers Broad Protection

Umbrella insurance provides broader protection than your home and auto policies. That’s because most basic policies are written with the state’s minimum liability requirements in mind, so they may offer less protection than you need. An umbrella policy can provide extra coverage for unique situations for which your regular policies don’t provide any.

Umbrella policies can protect you financially in the event of a lawsuit by providing extra liability coverage. If you’re looking to purchase an umbrella policy in Sioux City, IA, contact Heimgartner Insurance Inc and speak with one of our insurance professionals today.

Auto insurance FAQs

Car insurance is something that is mandated by almost every state. The mandated insurance is liability coverage which is to protect other people from an accident you might cause. It covers damage to the vehicle but also medical care if it is needed. At Heimgartner Insurance Inc in Sioux City, IA, we are a local independent agency owned by locals. We are your neighbors and we want to make sure you have the right coverage. 

What coverage is required in Iowa?

In Iowa, you need to have liability coverage. The required amount is 20/40/15. That is $20,000  bodily injury for the first person injured in an accident you caused and a total of $40,000 for the complete accident. $15,000 is for damage to the property of the other person. 

Is basic coverage enough?

It may not be enough for several reasons. First, $20,000 is not much for bodily injuries and $15,000 is not going to pay for a lot of vehicle repairs. Beyond that, pain and suffering have to be taken into account. If you want to be able to keep your assets, you should consider a higher amount than basic. Also, basic coverage does nothing for your vehicle.  If you want to protect your vehicle, you need comprehensive and collision coverage. 

Differences between collision and comprehensive coverage?

Collision coverage protects your vehicle in an accident where you are at fault or are the victim of a hit and run.  Comprehensive is non-collision coverage. Many other things can damage your vehicle. It can be a weather event like a strong wind or hail. It could be flooding or it could be theft or vandalism. If a deer runs into or in front of your car, comprehensive covers that. 

Contact Heimgartner Insurance Inc in Sioux City, IA if you want to get a personalized insurance plan.

Important Home Insurance Coverages to Consider During the Winter Season

Winter in Sioux City, IA comes with many worries associated with the cold weather, blizzards, icy roads, snow, frozen pipes, landscaping damage, and power outages. Unfortunately, there is no winter insurance, but you can always depend on home insurance to cover winter-related damages.

 It’s also your responsibility as a homeowner to take the necessary precautions and prepare your home for the harsh weather. Heimgartner Insurance Inc. recommends reviewing your home insurance to ensure you’re adequately covered. Here are some of the coverages you should consider.

Bodily Injury Liability

During winter, the floor outside is often wet and slippery all the time.  If a neighbor or guest slips and falls, you could be held liable for medical bills. If the person decides to sue you, home insurance can also pay for the legal fees. Other accidents that could lead to injuries at home include roof collapse and falling trees.

Dwelling and Other Structures Coverage

Your walls, roof, floor, pipes, and landscape are at risk of getting damaged by rainwater during winter. Note that flooding is not covered by home insurance. Dwelling and other structures coverages can help repair or replace damaged areas in your home.

Personal Property Damage

Heavy rainfall might leave a beautiful white blanket in your backyard, but it could also cause serious damage to your home.  Heavy snow covering your roof can be a big worry as it can damage the roof or, worse, lead to its collapse, which could damage your personal property such as furniture.

Additional Living Expenses

Additional living expenses are essential for providing you with a temporary living space if your home is damaged by extreme weather and rendered unlivable.

Insure Your Home with Us

If you’re looking to insure your home in Sioux City, IA, Heimgartner Insurance Inc offers reliable and affordable home insurance solutions that meet your needs, lifestyle, and budget.  Feel free to call and book your appointment with us today!

Is life insurance right for me?

Death is a natural occurrence that can strike at any time and anywhere. Have you ever thought about what could transpire to your loved ones if your demise occurred unexpectedly? Uncertainties like these require a formidable contingency plan to arrest them. Acquiring life insurance from Heimgartner Insurance Inc. serving Sioux City, IA and its environs averts your family and dependents from struggling with financial constraints when you pass away. Life insurance is a strong shield designed to provide peace of mind by knowing that your family will be protected financially if your unexpected demise strikes. Keep reading and establish why procuring life insurance from Heimgartner Insurance Inc. is a prudent decision to make in Sioux City IA.

Protection of your family and loved ones

Does your family depend on your financial support for their livelihood? If so, life insurance is an outstanding tool that will replace your income in case you die. This consideration is vital for parents of young children or adults who would find it challenging to withstand their standards of living if they no longer had access to the income provided by their partner.

To leave an inheritance

Even if you don’t possess any other assets to pass to your heir, you can design a formidable inheritance by procuring a life insurance policy and assigning them as your beneficiaries. This is a magnificent way to set your kids up for a solidified financial future to cater to any emerging financial needs.

To pay off debts and other prevailing expenses

Did you know that your family can employ life insurance to pay for their everyday living expenses? These may include debts such as mortgages, car loans, and credit cards. Other prevailing expenses that can be settled with prolific life insurance include funeral and burial expenses to avert any financial strains during your send-off.

To inculcate peace of mind

We can’t predict when one will encounter his or her demise. It may occur today, tomorrow or many years to come, but at the end of the day it will eventually crop up. It’s factual that no amount of money could ever replace an individual’s life, but life insurance can assist in providing protection from the looming uncertainties. Without any doubt, life insurance will instill you and your family peace of mind by knowing that your family will be taken care of in catering to their financial needs when you are gone.

Are you a Sioux City, IA resident searching for salient life insurance to cushion your family and loved ones when you pass away? Please contact or visit us at Heimgartner Insurance Inc. and get life insurance that suits your needs and budget.

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  • Iowa
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  • South Dakota
  • Missouri
  • Colorado

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Partner Carriers

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  • Liberty Mutual
  • MetLife
  • Mutual of Omaha
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  • Travelers
  • WellCare