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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

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.

Contact Us Today

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. 

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.

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