Mistakes People Make When Buying Health Insurance

No one wants to make a mistake when buying health insurance. The independent insurance agents in Urbandale, IA at BLC Insurance want to give you a heads up on what to look out for to avoid making mistakes when you’re ready to buy health insurance.

Enrollment Period Deadlines

One mistake that people make when they want to buy health insurance is missing the enrollment deadlines. You might put the paperwork that you were given in August, thinking you had plenty of time, but it isn’t long before December has come and gone. Take time to read through the documents you are given and decide which coverage you’ll need for you and your family. When the enrollment period begins, it won’t take you very long to add the coverage because you already know what you want.

Not Getting Insurance

So, you were one of the ones that decided to put the information away until you had time to read it. Slowly, you forgot and when enrollment time came around you missed it. You figured you could just go without coverage until the next enrollment starts at the end of next year. You don’t have to wait. Some people may not realize that if they have a qualifying event then they can still get coverage.

Not Understanding the Basics

If you don’t understand the difference between a co-pay, co-insurance, or deductible, then you may make a mistake when you start looking over the different health insurance policies. This is something that the Urbandale, IA agents at BLC Insurance can help you differentiate.

Stop by their local offices and ask about health insurance policies and which one may be right for you. You can also find out more about other policies, including life, auto, commercial, and home insurance.

Renovating Your RV? Review Your RV Insurance

If you’re located in Urbandale, IA or the surrounding areas you would do well to trust BLC Insurance, an insurance services company that has been around for almost 100 years. With 80 years under our belts, we know a lot about insuring your recreational vehicle as well as protecting other parts of your life.

The agents at BLC Insurance agree with you. Renovating an RV is a fantastic idea. While you’re out enjoying your vacation or leisure time why not be able to look around and absolutely love what you see. When it comes to renovating your recreational vehicle the most important aspect of your recreational vehicle coverage that will be affected is the contents coverage portion.  With the new finishes comes higher value. Not only the contents of your recreational vehicle but also the recreational vehicle itself. Upon renovation, your RV may be more subject to theft, damage, and loss. It is similar to the prospect of renovating your home. It is important to use contractors that are insured against damage because with the renovation comes the possibility of damage to the RV or the new finish. It is probable that your RV will be more attractive upon the completion of the renovation. Robbers may be more prone to burglarize with the newer version. 

BLC Insurance our name means Brooks – Lussem Clem. Our company has been in business since 1939. Our telephone number is 515-243-4289. Contact us today if you’re interested in learning more about umbrella insurance, boat and watercraft insurance, motorcycle  Insurance, health insurance as well as life insurance. On your way to pick up your RV stop in to see us.  We service the following states Iowa, Missouri, Nebraska, Arizona, Minnesota, Illinois, and Wisconsin. 

Can You Cover Other Vehicles Under Your Motorcycle Insurance Policy?

As a motorcycle enthusiast, you get a thrill out of cruising the highways of Urbandale, IA on your trusty metal steed. But being at the helm also means you’ll need a way to protect yourself in the event of an accident. Fortunately, the independent agents at BLC Insurance offer a variety of motorcycle insurance policies that fit your needs as an avid rider.

In addition to owning your motorcycle, there’s also a good chance you own and enjoy other small recreational vehicles. Whether you enjoy tackling challenging off-road trails on your ATV or have a small utility vehicle for running errands on your property, you’re probably wondering if you can cover these vehicles under the same policy as your motorcycle.

The quick answer to this question is “it depends.” You may be able to cover a recreational vehicle under your motorcycle insurance policy. If you have another vehicle that can be covered under a separate policy, however, then chances are you won’t be able to cover it under your motorcycle insurance policy. For instance, your motorcycle insurance may cover ATVs unless your insurer offers separate ATV coverage. The same goes for golf carts, mopeds, and even Segways.

The best way to find out if you can cover ATVs and other similar vehicles under your motorcycle insurance policy is to speak with an experienced agent. Motorcycle insurance policies are surprisingly flexible, but there may be limits that you need to be aware of.

No matter what type of coverage you need for your vehicles in the Urbandale, IA area, you can always count on BLC Insurance to be there. Get in touch with us today and speak to one of our agents about your insurance needs.

Can I buy umbrella insurance if I don’t have any other kind of insurance?

You may have heard how much protection an umbrella policy can offer, because of its wide coverage and high limits. You might know someone who would have been in serious financial trouble without the umbrella policy they purchased in Urbandale, IA through BLC Insurance.

The limit on an umbrella policy usually starts at a million dollars, which seems like a lot until you realize how much you could be liable for in just one accident. However, because of the way they work, you will need to have at least one other insurance policy in order to get an umbrella policy.

So how do umbrella policies work?

You can actually get a clue as to how umbrella policies work by the name. An umbrella policy extends to cover you in times of need, protecting you from outside dangers much the way an umbrella protects you from the elements.

The umbrella policy won’t kick in until your regular insurance has maxed out, though, so you need a regular policy to add on an umbrella policy. Many people carry insurance on their home, whether renters or homeowners and auto insurance for their vehicles. If there is a disaster, like a fire or a tornado, your regular insurance will pay up to its maximum. 

Benefits of Umbrella Policies

If you only carry minimal policies on your home and auto, you can see how quickly you would reach the limits of those policies. One car crash could cause hundreds of thousands of medical bills, which you would need to pay out of pocket if you weren’t covered.

Because it isn’t used until your other insurance reaches its limit, umbrella policies are surprisingly affordable. Call today to see what a great deal you can get for your new umbrella policy in Urbandale, IA from BLC Insurance. 

3 Reasons You Need Boat Insurance

Buying a new boat in Urbandale, IA can be exciting, regardless if it’s actually new or used. Getting it out on the water for the first time is sure to bring about a lot of great memories. One of the smartest moves you can make when owning a boat is to protect it with boat insurance. In fact, this type of insurance provides protection over the boat as well as you and any boat passengers you bring along. BLC Insurance is here to share the top three reasons you need boat insurance.

To Secure a Spot at a Marina

If you intend on storing your boat at a marina, there’s a good chance you’ll need boat insurance. Many marinas don’t allow boat owners to store their boats without this type of coverage because they want to protect themselves. What if you’re parking your boat in your spot at the marina and you accidentally run into and cause damage to the marina? With boat insurance, both you and the marina owner can rest assured that compensation will be provided.

Protect Your Investment

Another reason to have boat insurance is that it provides protection over your investment. Boats are expensive, new or used. With boat insurance, you can have peace of mind in knowing everything from the built-in equipment to the engine and even the lifesaving equipment are covered.

Protect Yourself and Passengers

Boating is fun, but it is dangerous, too. You have to be very careful when you’re out on the water. If something was to happen to you or one of your passengers, boat insurance can be of the utmost value. Take for example a passenger gets injured while partaking in a water sport where he’s skiing behind your boat. With insurance, his medical bills will be covered up to a certain amount.

To learn more about the advantages of boat insurance, contact BLC Insurance serving the Urbandale, IA area.

3 Reasons Why You Should Have Life Insurance

Life insurance can be a confusing concept for some. As we grow older, we begin to realize that we need coverage that is far more comprehensive. Life insurance becomes a crucial part of our financial planning and a source of comfort as well. Let’s take a closer look at three of the most important reasons why you should have life insurance. 

Protecting Your Loved Ones

Life insurance policies are a necessary aspect of ensuring your family’s continued livelihood in the wake of an unexpected occurrence. Parents of younger children or younger adults who would struggle to maintain their usual standard of living must equip their loved ones with the proper assistance.

Those who wish to ensure their partner’s continued livelihood also need a life insurance policy. Day to day household tasks are not going to pay for themselves and when we are looking to eliminate such burdens, life insurance policies are a must-have. 

Paying Off Debts

If the head of a family passes unexpectedly, this can leave a number of long-term financial obligations that their loved ones are left saddled with. Life insurance policies are designed to provide families with the assistance that they need as far as any outstanding debts are concerned. 

Peace of Mind

Our peace of mind is priceless. No one knows exactly when they are going to pass away. It can happen at any moment and living without the proper safety net can lead to serious long-term issues. Being sure that your loved ones will be cared for long after you are gone is the type of security that you cannot put any sort of price on. Your heirs deserve to remain protected at all times, no matter what. 

To find out more about all of the best reasons to obtain life insurance, Urbandale, IA residents are urged to contact BLC Insurance as soon as possible. 

Comprehensive Guide to Calculate Your Insurance Premium Cost.

The insurance premium cost is the fee charged by a Urbandale, IA insurance company for coverage. In many cases, the applicant has no idea of how the money charged is calculated or even how the compensation value is determined. Well, were are going to have a guide as to how the insurance cost is estimated in Urbandale, IA. As much as the insurance company assigns a premium cost, the value determined by a wide range of factors tailored to you and where you live. However, the risk factor is of vital importance when it comes to working out what to pay. Usually, different companies offer different insurance rates, and it’s advisable as an applicant to look around for a fair price.

Premium calculation
The insurance money levied is dependent on statistical data existing on one’s lifestyle, health, age or the area of residence. The actuaries undergo an underwriting process to obtain data that is analyzed statistically to arrive at a reasonable figure. They predict the likelihood of an applicant to claim for compensation based on the data they collect. A higher probability means a higher value. BLC Insurance actuaries compile data of mortality and sickness which is then used to foretell the expected loss in case of death or sickness occurrence. Consequently, a premium is assigned or charged to the client based on the data analysis.

Meanwhile, material and property insurance follows a slightly different insurance determination method since it is much easier to assign a monetary value to a property. The premium is determined using a generalized formula of where price times utilization same premium( P *U = $). Although this equation is applied to all insurance companies, other expenses such as insurance premium tax( IPT) constitute part of your insurance premium cost. For a comprehensive understanding of how your insurance premium cost is calculated, it is advisable to consult  BLC Insurance company for a further guideline.

Hitting the Road for Summer? Check Your Motorcycle Insurance

When you own a motorcycle, the appeal of hitting the road is never greater than during summer. A summer road trip promises to be an adventure to remember. The right motorcycle insurance policy from BLC Insurance, Urbandale, IA, will ensure you’re well protected during your travels. Before hitting the road this summer, consider protecting yourself with the following coverage:


Motorcycle riding comes with its share of risks, especially on open roads. You never know if or when an accident will happen. Liability insurance covers injuries and property damage to others in case you cause an accident. Minimum liability coverage is mandatory in most states. For long-distance road trips, you’d do well to get more than just the minimum. Good liability protection reduces the risk of being sued for damages in the event you’re found at fault of a serious accident.

Uninsured Motorist

On the road, you’ll encounter all kinds of drivers. Unfortunately, some may have inadequate or no insurance coverage. Uninsured motorist insurance covers your medical expenses and damage to your motorcycle if you’re hit by an uninsured driver.

Collision and Comprehensive Coverage

If your bike is fairly new or you’ve added new accessories to enhance comfort on the road, you should get coverage to protect your investment. Collision coverage will help pay for damages to your bike if you’re in an accident. If you opt for comprehensive coverage, your insurer will compensate you for damages caused by bad weather, theft, and vandalism. The last thing you want is to get stuck with a huge repair bill on a vacation road trip. For stress-free travels, be sure your motorcycle insurance offers you the road trip protection you need.  

To learn more about motorcycle insurance options, coverage and costs, talk to an agent from BLC Insurance, Urbandale, IA. 

Boat Insurance Coverage Options

Owning a boat is one way of escaping from the daily busy schedules and enjoying a calming day of fishing out on the water with friends. Unfortunately, accidents happen and you need to protect yourself well in the event of an accident. With a Boat Owners Insurance policy from BLC Insurance, you can have fun and relax knowing that your boat is properly insured.

We offer a wide range of coverage options for boat owners in Urbandale, IA to ensure that their boats and passengers are safe. Our boat insurance coverage options are customized for marine vehicles such as bass boats, sailboats, performance boats, yachts, jet skis, and Wave Runners.

What does a boat insurance policy cover?

Our boat insurance policy covers your personal watercraft or boat against potential loss due to theft, vandalism, collision with other boats, or objects and any damage that is caused by uninsured or underinsured users. The boat insurance also extends to cover other equipment attached to your boats such as canopies, fuel tanks, anchors, and life preservers. BLC insurance also offers coverage for personal property and fishing equipment.

Additionally, Liability Boat Insurance will help you pay for legal costs and medical expenses in case you are at fault in an accident. The available coverage options include medical payments, passenger liability, damage to another boat or property and bodily injury payments. We also offer other additional coverage options such as Roadside Assistance when transporting your boat and On-Water Towing so as to make your boating experience easy and affordable.

If boating is your passion, protect the dream for years to come by choosing the right insurance policy. Discuss with one of our local insurance specialists in Urbandale, IA about the available boat insurance coverage options and how to get the right coverage with Boat Owners Insurance that will protect you and your boat.



Umbrella Insurance for Average Joes

BLC Insurance wants all their Urbandale IA neighbors to enjoy the fruits of their labor. The right combination of insurance policies is an important part of protecting your accumulated wealth. In combination with your personal and business policies, an umbrella policy ensures you always have the funds to rebuild, repair, or replace real goods. It also helps you meet legal challenges with confidence. You don’t have to have a lot of assets or control multimillion dollar companies to benefit from this coverage. What is umbrella insurance and how can it help everyday people live a more financially stable life?

  • Umbrella insurance is a secondary policy. When your primary policy is triggered, the umbrella policy will pay additional funds for the same event. For example, your home is lost to a catastrophic fire. Your homeowner’s policy doesn’t pay enough to completely rebuild your home. If you have an umbrella policy, the additional cash could help you restore your living space and pay for temporary living expenses due to the accident.
  • Our modern lives are built around cars. If your vehicle is destroyed in an accident, your auto insurance probably won’t pay out enough to replace it with a similar make and model. An umbrella policy gives you funds you can use to replace your ruined vehicle and secure a rental while you wait for the mechanics to complete their work.
  • Critical illness insurance helps workers provide for their families and loved ones if they fall ill or get injured and can’t work. These payments help cover food, housing, and other everyday living expenses. However, the payout may not be enough to cover medical payments for surgery, therapy, and prescriptions that help restore functions or enhance the patient’s quality of life. An additional umbrella policy ensures you and your family will always have enough, no matter what.

Want to know more about how umbrella policies can work for you? Contact BLC Insurance in Urbandale IA for more information.