How To Buy Health Insurance

It is vital that a consumer understands everything that revolves around health insurance especially with regards to the health policies one is considering to purchase. It is imperative that one should research thoroughly in Urbandale, IA to get a stable insurance provider in the market. Get to find out what policies are available in your age group and in Urbandale, IA. Also, seek professional advice from your agent.

For any novice in the market, it can be quite time-consuming and difficult to find an individual insurance. However, with the right knowledge, you can easily come across the best policy that will cater to your budget and specific needs. Read to get invaluable tips on how to buy health insurance.

Get the Most Suitable Plan Providers
It goes without saying that finding a suitable health insurance company is a daunting task considering the myriad of companies that offer the service. By doing a comprehensive background check, you can compare prices of every company and decide if they are stable in the market. Search the internet for options or get a list of the accredited agencies like BLC insurance in your area.

Find out The Extent of Coverage and Benefits
The extent of benefits and coverage varies depending on different policies. What are their affiliations to health facilities? What about the inclusion of your family in the coverage? And most importantly, what is amount covering your expenses? These are some of the questions to ponder on when determining the extent of benefits and coverage. 

Understand the Options Available
It’s important to understand the options you have when searching for your protection. It is vital to get the intricate details before settling for a policy. Do your own research and/or find out more from your broker. Ensure that all your questions are answered before purchasing a policy. 

Call or visit BLC insurance today for more helpful tips on how to buy medical insurance. We’ll be delighted to be of help to you because your unparalleled peace of mind is our pride.

 

Umbrella Insurance:  The Extra Coverage You Need

No one wants to think about accidents occurring but they do every day.  That is why we all have several insurance policies to cover damages and liability related to our homes, autos, and boats.  These policies have limits, however, so what do you do when the policy amount is not large enough to completely cover the medical and legal costs related to an accident where you are deemed liable?  That is where an umbrella insurance policy can provide the extra level of protection when you need it.  The team at BLC Insurance serves the residents in the Urbandale, IA area with all their insurance needs.  They stand ready to answer the questions you have. 

Umbrella insurance serves an important role in protecting your assets.  For instance, if someone has an accident in your home and you are deemed negligent, they can sue you for medical and legal costs.  Your homeowner’s policy may cover up to $300,000.  However, if the medical expenses and legal fees amount to $500,000, you will be responsible for the balance.  With an umbrella policy, after the homeowner’s policy amount is exhausted, the umbrella policy will cover the balance.  This can protect your assets at a critical time.  Umbrella insurance policies may also protect in cases of libel, slander, and invasion of privacy cases.  These are items that are not generally covered by other policies. 

In the Urbandale, IA area, the BLC Insurance team will help you understand your insurance options and get you the coverage you need.  Visit their website to get started, then call them or visit their offices.  Your assets, such as your home, auto, boat or valuables, are important to you and your family.  Make sure that they are protected.

Who Needs Supplemental Medicare Coverage

Everyone who has Medicare but needs additional insurance coverage should consider buying Supplemental Medicare coverage. Supplemental Medicare is also known as Medigap. It can help take care of costs that Medicare does not cover. BLC Insurance in Urbandale, IA can get you started on a policy for extra insurance coverage.

What You Should Know about Supplemental Medicare

Medigap is not the same as the Medicare Advantage Plan. Medigap policies only cover a single person. If your spouse needs extra insurance to fill the gap on their Medicare plan, they will need to purchase a separate plan.

In order to purchase supplemental Medicare coverage, you must already have Medicare Part’s A & B. Original Medicare covers medically necessary supplies and services that you’ll need to treat illnesses. You can get lab tests, doctor’s visits, wheelchairs, canes, and other necessary items for your condition.

Hospital care, hospice, and nursing home care may be covered by Medicare Part A. Part B can cover medically necessary and preventative services. Some prescription drugs, ambulatory services, mental health care, and clinical research all may be covered with Part B. Medigap takes care of things that are not covered by your Medicare coverage. You may need to pay co-insurance or deductibles. Supplemental Medicare may be able to cover unexpected costs that you may not be able to afford.

Items That May Not Be Covered

Although Supplemental Medicare Insurance may bridge the gap for your medical expenses, there are a few things that Medigap does not usually cover.  

  • Vision and Dental Expenses
  • Long-Term Care
  • Eyeglasses
  • Hearing Aids
  • A Private Nurse

There is a way you can protect your family and yourself by having additional coverage that your Medicare insurance may not cover. In Urbandale, IA, the independent insurance agents at BLC Insurance can help you with additional changes to your Medicare coverage.

Quick Home Improvement Solutions

Whether you’re getting ready to sell your home or just want to update it, there are some quick home improvement solutions that you can do to make your home more inviting. In Urbandale, IA, BLC Insurance wants you to know that you can rejuvenate your Iowa home even if you are on a budget.

An Extra Coat of Paint

You can change the look and feel of a room with a simple coat of paint. Darker colors make a room appear smaller and lighter colors give rooms a spacious feel. If the space you’re painting is small, such as a hallway or child’s bedroom, you should consider lighter colors so the space won’t feel cramped.

Install Crown Molding

If charm is what you’re looking for, installing crown molding will make your home complete. Adding crown molding to a room will not only add value to your home but will also give it a beautiful modern look. This is also something that you can do yourself if you’re handy with a table saw. The corners of crown molding need to be precise in order for them to fit together. If this is done correctly, you will ultimately save money and create a fantastic-looking room.

Design a Meticulous Landscape

Creating a beautiful entryway is an ideal solution if you’re selling your home because the first thing people see is your landscape. Even if you don’t plan to leave your home, having a modernized landscape will greet you comfortingly each time you come home from a long workday. Don’t forget the backyard. Landscape lighting, outdoor kitchens, and koi ponds are delightful ideas when you decide to upgrade your outdated yard.

Stop by the BLC Insurance offices in Urbandale, IA for a look at your homeowner’s policy. Our independent agents can help you get started on a new policy or help you determine if you need additional coverage.

The Differences Between Business Liability and Errors and Omissions Coverage

Many business owners are confused about the differences between General Liability (GL) and Errors and Omissions (E&O) insurance. If you don’t know what each type of coverage does to protect your business, you could incur more than you may expect. There are obvious differences between the two, and if you want to get the most out of a claim, it’s important to understand them.

What’s Covered Under General Business Liability

A general liability policy will cover both bodily injury and property damage that may be caused by your business’s operation, but it won’t cover any intangible property (like computer data). It also won’t cover any claims that involve the economic harm to a third party that resulted from what your business has to offer. A business liability policy won’t cover any losses that resulted from a property that has been rendered useless because of your product or service, and it won’t cover any losses that resulted from a recall.

If you need a liability policy for your business in Urbandale, IA, then you need to get in touch with BLC Insurance. We have agents with a great deal of experience in commercial insurance, and they can help you get the coverage you need.

What’s Provided by Errors and Omissions Coverage

Errors and Omissions policies are meant to cover any liabilities that are associated with an economic hardship that resulted from a third party. This means the policy can cover any damages to a third party if it has been caused by your product or service. Errors and Omissions insurance can also cover any damage to intangible property, which can include any computer data that has been lost. It can also cover any damages to a piece of property that resulted from your product or service if it has been deemed defective. However, Errors and Omissions won’t cover the following:

•    Bodily injury
•    Property damage
•    Personal and advertising injury

These are often covered by the General Liability portion of a commercial insurance policy.

If you need a solid commercial policy that can suit your business’s needs, then you need to contact the office of BLC Insurance. We happily serve the people of Urbandale, IA and we understand the needs of our community. If you want a commercial insurance policy that your company can rely on, be sure to contact our office today!

Filing Complex Auto Insurance Claims

Auto insurance claims of any degree are difficult to file if you are not sure how to go about the process. The first step of any claim is to take the time to report the incident. If you live in the Urbandale, IA area, the agents with BLC Insurance can help you organize and file your claim for the most efficient results.

The first step of any claim is to make sure you document the incident. If it is an auto accident, you want to take the time to call the police and have them make a formal report. You also want to make sure the accident is photographed and that it is documented well both at the scene and, if you have any injuries, when you reach the hospital. If you are dealing with something like vandalism you also want to make sure your incident is well photographed so that the insurance adjuster can get the best idea of the damage and of what happened.

The second step is to contact your insurance agent or agency. They will provide you with the documents, the files, and the proper channels that need to be followed in order for you to file your claim. You are going to most likely need to meet with an adjustor, so you need to make sure you contact your agent so you can set up the meeting.

The last step is to follow through. If your agency needs more information, be sure to provide it. You may have court dates or other meetings you need to make. Make sure you go through with all the steps and that you keep in contact with your agent through the process. If you live in the Urbandale, IA area, the agents with BLC Insurance can help with each and every step of the process. Contact us by phone or stop by our office to set up an appointment with an agent today!

Exotic Domestic Animals And Your Home Insurance Policy

What Strange Critters Lurk Behind Your Neighbors Doors

You will be surprised to know the types of exotic pets that your neighbors own. To learn exactly what is registered here in Urbandale, IA you would have to look up the details at the Urbandale, IA American Society to Prevent Cruelty to Animals (ASPCA) branch or the Urbandale, IA Humane Society. Here is a short list of some of the more exotic animals that reside in your state. 

  • Sugar gliders
  • hairless sphinx 
  • miniature horses
  • Skunks
  • chinchillas
  • hedgehogs
  • baby monkeys

If you decide to make a wholly mammoth your domesticated pet, your home insurance policy will be duly affected because Iowa has state laws that must be adhered to regarding how you house your pets. In addition to saving the community from the danger of exotic pets, Iowa has laws regarding how your exotic pet is cared for and professionally maintained with veterinarian visits. 

Chain Them Up And Lock Them Tight

Depending upon the type of exotic animal that is involved your home insurance policy will be affected by a decision to own one. BLC Insurance agents are familiar with the types of extra insurance protection that may be necessary if you own an exotic pet.

Look at the ramifications of owning miniature horses or regular horses for that matter. Your home insurance will have to reflect their presence if they are housed on your property. Aside from the town and county permits that will be necessary to properly take responsibility for your exotic animal, home insurance will have to provide for their protection as well.

BLC Insurance Agency agents look forward to speaking with you soon and definitely before you acquire your exotic animal. Contact us today to discuss how our agency can serve this and all of your insurance needs.    

 

 

Frequently Asked Questions About Excluding a Driver From Your Auto Insurance Policy

If your spouse has been convicted of drunk driving, has a lot of accidents or has numerous traffic tickets, their bad driving record may weigh on you. Excluding them from your policy can help make your rates more affordable. But what exactly does this mean? Read on to learn more!

When you exclude a driver from your auto insurance policy, you are telling the auto insurance company that that driver will never drive your car. This helps to give the auto insurer peace of mind that the poor driver will not be driving your vehicle, and thus, they may ensure that bad driver’s record does not affect yours.

The downside to excluding a driver from your policy is that they are not covered when driving your car. This means that your husband cannot drive your vehicle to pick your kids up from school or even to move it out of the driveway. If he is excluded and does this, your insurance will not cover any damage he does to your car or another if he is involved in an auto accident.

Excluding a driver you live with, such as your spouse or husband, can help ensure their bad driving record does not affect your auto insurance rates. However, it also prevents that driver from being covered by your auto insurance policy while behind the wheel of your car.

If you are interested in a new auto insurance policy in the greater Urbandale, IA area, contact BLC Insurance. Our professional auto insurance brokers can help you determine why it may be beneficial to exclude or include a driver on your auto insurance policy. Give us a call today to get price quotes with both an included and excluded driver.

Tips for Home Safety

Accidents in the home cause more than 10,000 deaths annually. Keeping your family safe is your number one priority, and BLC Insurance knows that some accidents can be prevented with a little guidance.

Avoiding Accidental Falls

Falls can easily occur on a staircase. Use non-slip mats on each step as an extra measure of caution for anyone walking up and down the stairs. For young children, place safety gates at the top and bottom of the stairs. The gates must be the appropriate size and type for your staircase.

Windows can be your best escape in an emergency, but you or a small child could fall if they are not secured properly. Install window guards if you want to have your windows open during the day.

Poison Prevention

The majority of unintentional poisonings happen at home. Prevent your family members from getting their hands on dangerous substances by storing cleaning products and pest control canisters in unreachable or locked cabinets.

Always follow the instructions labeled on over-the-counter and prescription medications. Taking more than is recommended can lead to an overdose of medicines. Consult with your physician if you are taking more than one type of drug. Some medications have negative interactions when taken together.

Carbon Monoxide Safety

In Urbandale, IA, it is important for every household to have a carbon monoxide detector. Carbon Monoxide (CO) is a deadly, clear, and odorless gas. This gas can build up,l in your home from fumes produced by gas stoves, grills, cars, fireplaces, and generators. With CO in your home, you could easily fall asleep and never wake up. Install a CO detector next to every bedroom and test it once a month.

Check with your independent agents in Urbandale, IA at BLC Insurance to make sure your home is safe and that you have the right coverage for your property.

Can Renovating Your Home Reduce the Cost of Homeowner’s Insurance?

Renovating your home can not only improve its function and aesthetic appeal, but can earn you discounts on homeowners insurance. Here are just a few renovations that could help Urbandale, IA, homeowners qualify for discounts on their homeowner’s policy.

New Roof

Putting a new roof on your home will protect your Iowa home from property damage due to snowstorms, rain, hail and wind. This extra protection against damage and loss could result in a reduction of your insurance premium. Talk to a BLC Insurance agent to see what kind of discount you can gain by replacing the roof on your home.

Storm Shutters and Doors

In like manner, professional installation of storm shutters and doors will keep your property safe from adverse weather that can cause structural or water damage to your home. By taking these steps to safeguard your property, you can help lower insurance costs. Be sure to save receipts of the installation job to verify to your insurer that this work was professionally done.

Plumbing and Electrical Updates

Old homes often have antiquated pipes or wiring that can cause accidental flooding or fire. Plumbing and electrical system upgrades can reduce the risk of water and fire damage, which could enable you to benefit from a reduction in your insurance premium.

Security System

By installing a central alarm system, you add an extra layer of protection against theft and vandalism to your home. An alarm system will greatly enhance your home’s security, which could keep your family and goods safe from harm.  Such safety measures could qualify you for a discount on your home insurance cost.

Before making major home improvements to your property, talk to your BLC Insurance agent in Urbandale, IA, to see how renovating your property can help you save money on home insurance costs.