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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

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.

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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. 

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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.

Should everyone in Iowa get renters insurance?

Being a home renter in the Sioux City, IA area can be a great idea. Those that are going to rent a home when they are in this community will enjoy the flexibility that comes along with this housing option. While there are advantages to renting instead of owning, you do still need to have the right insurance in place. There are various reasons why everyone here should get a renters insurance plan.

Why to Get Renters Insurance?

Comply with the Lease

A common reason for people to get a renters insurance plan is so they can comply with the lease. Any lease you sign today is going to have many provisions and covenants that need to be met. One of the most common is to get a renters insurance plan that will protect both you and the property owner. In many cases, you will need to give evidence of the renters insurance plan before you move into the new home. 

Receive Protection

While having a renters insurance plan is typically a requirement, you will also want coverage to receive appropriate protection. If you have this coverage, it will help to protect any of your personal assets and provide you with liability coverage. Having this can prove to be helpful during some challenging situations, such as if you are a victim of a fire or named liable for an accident.

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Once you have decided to rent a home in the Sioux City, IA area, you will want to start looking for a new insurance plan. Once you start looking for coverage here, it would be a good idea for you to call the professionals with Heimgartner Insurance Inc. Choosing a renter’s plan is never easy and Heimgartner Insurance Inc will offer the guidance you need to select a policy that will meet your needs. 

What Are Some Tips For Saving Money On RV Insurance?

When looking for the best deal on RV insurance, shop around and compare quotes from a few different providers. You can also save some money by increasing your deductible or taking other steps to reduce the risk of your policy. 

Maintaining your RV according to manufacturer recommendations and keeping its mileage below a certain threshold can help you qualify for a reduced premium. Where you park your RV may also affect your premium. Parking in a high-risk area may cost you more than in a low-risk area. As a resident of Sioux City, IA and surrounding neighborhoods, contact Heimgartner Insurance Inc for professional advice.

How to Go About the Saving 

Consider purchasing a policy with a higher deductible if you have a fixed budget. This will lower your monthly cost and give you a safety net in case of an accident. Things like a new baby, a new car, a new driver’s license, or a change in marital status can all affect your rates. Stay on top of these changes to maximize your savings. 

Rates can vary widely depending on your RV’s model, manufacturer, age, and current value. If you own a low-value RV that poses a low risk, you might be able to decrease the amount of liability coverage on your policy. This will decrease the amount you pay in premiums each month but also increase the amount you pay out of pocket if something happens. 

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There are a few things that you can do to keep your RV insurance costs as low as possible. First, make sure that your policy has liability coverage of at least $300,000. This will protect you from any legal consequences if someone is injured or their property is damaged due to something that you did. 

You may also want to consider dropping collision and comprehensive from your policy if your RV is very old and if the coverages are no longer necessary. Finally, shop around to different insurance providers to find the best deal. For expert help, give us a call at Heimgartner Insurance Inc in Sioux City, IA.

Motorcycle Insurance FAQs

Motorcycle ownership can be exciting. There is, however, a heavy responsibility that comes along with bike ownership as well. Motorcycles can be dangerous vehicles if they are not used correctly and covered with the appropriate insurance. At Heimgartner Insurance Inc, serving the Sioux City, IA community, you can find the information you need to make smart insurance choices. Keep reading to learn more about motorcycle insurance. 

Motorcycle Insurance FAQs 

Is Auto Insurance Enough?

In most places, you can legally operate a motorcycle with a regular auto insurance policy. However, you should be aware that a regular auto insurance policy may not provide the proper amount of coverage to protect you as the driver. Sometimes, a bike owner can obtain certain benefits if they purchase a policy designed for motorcycles. 

What Does Motorcycle Insurance Cover?

Motorcycle insurance is made to work similarly to auto insurance. The policy will provide coverage in the event that your bike is involved in an accident. Money to cover the repair or replacement of other vehicles involved will be paid. Medical bills or legal fees may also be covered. 

If you want expenses covered for your own bike in the event that you are in an accident, you will need to make sure you purchase full coverage insurance. 

Special Benefits

There could be special benefits available for bike owners. If you only operate your bike during certain times during the year, you may be able to have your policy paused during the off-season and you can save money on premiums. Some insurance companies also offer benefits for bike owners who take bike safety courses. 

If you would like to learn more about motorcycle insurance, please contact us at Heimgartner Insurance Inc, serving Sioux City, IA and the surrounding areas. 

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