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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

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.

Servicing States

  • Iowa
  • Nebraska
  • South Dakota
  • Missouri
  • Colorado

Why Work With Us

Iowa Auto owners with Auto Insurance Coverage

Locally owned and operated

Iowa Homeowners with Home Insurance Coverage

Policies that meet & exceed expectations

Iowa Life insurance coverage

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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