Essential Facts about Home Insurance in Urbandale, IA

Home insurance is one of the most responsible steps that a new homeowner can take. Not only does it cover damages from theft or disasters, but it also covers your legal liability if someone is injured on your property. Of course, not all home insurance policies are created equal and have different prices. If you need help shopping around for insurance in  Urbandale, IA, BLC Insurance can help you out.

You Are Not Obliged To Have It

In a legal sense, you do not have to be covered by home insurance. If you have a mortgage, your lender may require it.

Insurance Rates May Depend on Neighborhood.

Not only will a neighborhood’s reputation affect property value but also your insurance premium. If you live in an area with extremely high crime, it is likely to cost your more. If you are further away from emergency services, that can also be a factor.

Covered Damages May Be Determined in the Policy

Generalization should never be made on what is covered in a home insurance policy. The company can decide to cover or not cover within the policy, including certain conditions of coverage. This is why policies should be read and negotiated.

Flood Damage is Usually Not Included

This is a foolish assumption by many with home insurance. The coverage of flood damage will require a separate policy.

Home insurance is a smart decision to get but it has a lot of variance for every individual. You must assess the number of assets and the cost to determine if a plan works for you. If you need help shopping around for a policy in the Urbandale, IA area, BLC Insurance may be able to help you out.

What You Don’t Know About Motorcycle Insurance

Most people know that you need insurance when driving a motor vehicle. But do you know the specifics surrounding motorcycle insurance and what you should know as a motorcycle rider? For motorcycle riders in the Urbandale, IA area, BLC Insurance can answer any questions you have about motorcycle insurance.

Here are a few things you don’t know about motorcycle insurance:

1. If You Are in An Accident, You’ll Need Proof Financial Responsibility

If you are a motorcycle rider and are in an accident in Iowa, you’ll need to show proof of financial responsibility. Unless you are able to pay for all damages involved in the accident, that means showing proof of motorcycle insurance. Let’s look at the minimum requirement for proving financial responsibility…

2. There A Minimum Damage Liability Requirements for Bodily Injury

Depending on whether it’s just you riding or you have a passenger, there are minimum coverage amounts for liability insurance. If it’s only you, then you need a minimum of $20,000 in bodily injury coverage. For you and a passenger, then you’ll need $40,000 in bodily injury coverage. 

3. A Minimum Amount of Property Damage Coverage Is Also Required

To cover property damage in case of an accident, you’ll need a minimum of $15,000 in coverage. 

4. Many Riders Purchase Insurance Above the Minimum Requirements

Although these are the minimum required amounts for motorcycle insurance, many riders choose to purchase insurance coverage for amounts above the minimums. Many also choose to get insurance for other situations as well, such as personal injury protection, collision, comprehensive physical damage, and uninsured motorist coverage. 

Those in the market for motorcycle insurance can contact BLC Insurance, serving the Urbandale, IA area. Call them at (515)243-4289 today!

Is there a need for motorcycle insurance?

Are you a motorcycle owner? Do you know what it entails to have a motorcycle and the various risks involved in it? Well, you probably know that a bike is just like a car since it helps you get to your destination and at the same time, you use the same roads. So, you are likely to face the same risks meeting a person with a car.

You might get into an accident where you get injured, or you cause injury to a third party or, you might collide with another motorcycle or just anything on your way among more. In all the possible scenarios, you will be forced to use your savings to cater for the various expenses. But what if you have no saving or no extra income?

We as the Urbandale, IA, BLC Insurance are here to guide you to avoid such circumstances. We understand the need to own a motorcycle, and also, we know how to mitigate the risks. We offer you an insurance policy that protects you and the motorbike from various threats such as collision, theft and personal injury among more.

Why should you invest in motorcycle insurance?

It is a legal requirement – motorcycle insurance is mandatory insurance in most countries just like car insurance.

It saves on cost – the costs involved are less compared to that of a person who has no insurance. For example, if you get into by collision, the court will require you to offset the expenses if you are found liable. With motorcycle insurance from Urbandale, IA, BLC Insurance, you can rest assured that such issues will be handled.

So, if you are looking to get a motorcycle cover, please feel free to contact our offices for further information. 

 

 

 

 

Protect Your Classic Car Dreams

You’ve finally achieved your dream: you own the classic car you’ve always wanted! Either you’ve worked on it yourself, getting grease in your hair and building memories, or you’ve had it professionally restored to its prime condition. Protect that investment and contact us today about classic car insurance coverage. Here at BLC Insurance, we have agents ready to research the policies of several companies for you. You can depend on our skill to find the most up-to-date policies and make sure you have the coverage that works for you.

Here in the Urbandale, IA area we’ve noticed how classic car owners take care of their unique vehicles. For one thing, these vehicles are not kept outside or parked under a tree; they are always safely stored within a garage to protect them from the effects of sunshine, freezing weather, and birds. We wanted our Urbandale, IA car collectors to know that classic car insurance protects better than a garage. Sufficient insurance will help restore your pride and joy should anything unfortunate happen to it. A garage can’t stop accidents from happening, and standard car insurance may not be enough, either. It’s good to check with us at BLC Insurance to be certain that you have the insurance coverage you need to give you peace of mind about your classic car.

Has your car been restored to its original glory? Is it a custom vehicle with specialized detailing that makes it especially unique? Classic car insurance really exists, and it’s available today. Contact us either through our convenient webpage or call 515-243-4289. Having provided insurance coverage since 1939, we know cars and we know classic cars. See us today about yours. Then you can plan your next parade ride or car cruise with confidence. 

The benefits of offering health insurance to your employees

There are many things you can offer to your employees through your business, but the one with most benefits is health insurance. Notably, with a health insurance policy, your team will remain happy and healthy thus making them more productive. In fact, most business owners provide health insurance to their employees even though it is not a requirement under Affordable Care Act. According to BLC Insurance, Urbandale, IA, there are numerous benefits associated with an employee health insurance policy as discussed below.

It is easy to purchase and yet very effective
Notably, you don’t have to make the purchase alone since there are health insurance brokers who can take you through the entire process. A broker will help you in:

  • Selecting a plan which is good for you and your team, based on your line of business and the coverage preferences of your employees.
  • Setting up everything and also keep you informed on a day to day basis regarding the policy changes
  • Answering difficult insurance policy questions since they are well experienced in the health insurance sector.

It will make the employees happy
According to research, health insurance is the most important benefit which employees receive from their employers. As such, you should offer health insurance as the first company benefit and then consider other benefits later. Additionally, health benefits will help in the recruitment process and will also entice the employees to stick around for a longer period.

It will save tax money
If employees are required to buy health insurance on their own, they will have to pay a significant amount of tax money. However, by purchasing the policy as a group, you will save at least 30 percent of the taxes.

It will give you access to more health facilities
A group insurance network is larger than an individual network hence the group plan will give you access to more doctors and health facilities. However, this network difference varies depending on the state, but regardless of the variances, group plans will give your employees access to better hospitals, and doctors. As such, it is advisable to visit BLC Insurance, Urbandale, IA, to learn more about health insurance policy and its benefits.
 

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!