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.

Common Health Insurance Terms Defined

Health insurance is an important part of your financial plan. It protects you and your family every day. However, many of the terms that are included in a policy can be confusing. The team at BLC Insurance works with residents in the Urbandale IA area and understands the needs you have. They work to ensure that their clients are not only adequate covered but also understand any unfamiliar terms or language that the policy contains.   

Here are a few of the terms you will most likely encounter:

Premium: This is the amount that you will pay on the policy each term. Term periods can be defined as monthly, quarterly or semi-annually. The premium amount is determined by the type of policy that you and your agent select.

Deductible: This is the amount that you will be responsible for before the policy begins to pay. When you have paid out the deductible amount within a year, the health insurance policy will cover any additional charges for that year.  

Co-pay: This is a fixed amount defined by the health insurance policy that you will be responsible for certain health services. For instance, if the policy states that you have a $10 co-pay for a doctor’s visit, then you will pay $10 when you visit your physician. The policy will pay the remainder. These co-pays can vary from policy to policy.

The team at BLC Insurance wants all of their clients in the Urbandale IA area to have the best health insurance for their needs. Every day, they work hard to bring the best available plans to their clients and present a range of options. They work hard for you! Call them today and get the health coverage that you need!

First Responders and Life Planning

First responders are clearly in the line of business where risk is just an everyday factor on the job. Where people run out, first responders are the ones running back into the building. And that increases the probability of potentially something going wrong, regardless of how much training and precautions are taken to avoid more risk than necessary. The simple fact is, emergencies in Urbandale, IA are unpredictable and things can and do oftentimes go off plan.

No surprise then, first responders need to consider life planning for their loved ones as a necessary part of the job. Given how much higher the risk of injury or worse is due to the nature of the job, it only makes sense from a life planning perspective to ensure one’s family is taken care of financially regardless of what kind of a day it may turn out to be.

The experts at BLC Insurance have worked with Urbandale, IA first responders in all types of industries and areas of service. They fully understand what it takes to do the role and the need to protect one’s family so as not to worry about them when on the job. Their knowledge and experience are ideal for matching first responders up with the policy packages that best protect their families and life planning while also being manageable and easy to understand. There’s no reason for clients to have to deal with complexities and be wondering on the job if everything will be taken care of correctly. BLC Insurance is ready to help; give them a call and be able to focus on your important work without worrying.

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.