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MAX Insurance, LLC

6600 University Ave
Windsor Heights, IA 50324

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Have You Reviewed Your Auto Insurance Recently?

Do you currently have car insurance? When was the last time you reviewed your car insurance policy? If it’s been a while, now might be the right time. The team at Max Insurance LLC, serving Des Moines, IA, is here to help! We offer car insurance from various carriers and can assist you in reviewing your current car insurance policy. If your existing policy no longer meets your needs, we can help you find one that does.

The Importance of Reviewing Your Auto Insurance Policy

It is crucial to keep your car insurance policy information current. Changes in your annual mileage can affect your rate. Additionally, if any information on your policy is outdated, a policy review can help identify and rectify this issue.

How Often Should You Review Your Auto Insurance Policy?

You likely review your home insurance policy periodically if you’re a homeowner. Reviewing your car insurance policy simultaneously, ideally once a year is a good idea. If you don’t have a home insurance policy, make it a point to review your car insurance policy annually. Regular reviews can help ensure your policy remains up-to-date.

How to Review Your Auto Insurance Policy

Reviewing your auto insurance policy is straightforward when you’re working with your insurance agent at Max Insurance LLC, serving Des Moines, IA. We’re here to assist and answer any questions you may have about your insurance policies. We can review your policy, review the details, and update any outdated information. Contact us today to start reviewing your car insurance policy.

Commercial Insurance Consultations: Finding Out Which Policy Options Your Des Moines, IA, Business Needs

With over 25 common types of commercial insurance, it can be challenging for a new business owner to decide which ones the company needs. A commercial insurance consultation with a Max Insurance LLC agent can help reveal the right policy options. The agent interviews the business owner to determine the insurance needs and then creates a custom policy based on the findings.

Understanding Insurance Consultations

As a new business owner, you might have read many articles online about analyzing and prioritizing your risks. If you’re launching your first company, you might not fully understand what that means, and that’s okay. In Des Moines, you can call our insurance firm and schedule a commercial insurance consultation. During this appointment, which can be conducted in person, on Zoom, or over the phone, we’ll ask you a few questions about your business and use these to recommend insurance coverage for it.

Legally Required Commercial Policies

Every state, including Iowa, has a list of commercial insurance policies that every business must purchase. The most essential include liability coverage, commercial auto, and worker’s compensation. We’ll inform you about the policies the state requires you to buy so you remain in compliance with the law. Some industries, such as construction, require a type of bond insurance.

Questions We Ask During the Interview

Your insurance agent starts by asking what type of business you operate. This determines your industry. For example, a plumber falls into the construction category, while a pizza restaurant that delivers falls into the category of food service and hospitality. We’ll also inquire about your location, including its address, whether you rent or own it, and if other companies operate from it, too.

You’ll need to be able to answer questions about how many employees you hire if you maintain inventory on-site or off-site, and about your business equipment. We’ll also ask what security measures you take at your business location, such as alarm and camera systems, security guards, etc.

Contact Us Today

Don’t get caught by the state of Iowa operating your business without proper insurance. Let Max Insurance LLC help you properly insure your Des Moines, IA, company. Contact us today to schedule your commercial insurance consultation.

Recreational Insurance can Save More than Your Recreational Toys

ATVs and four-wheelers, ski mobiles and dirt bikes, snowmobiles and golf carts, and the list goes on. This is also more evidence that we love our recreational toys when it comes to our recreational activities. Of course, that is also one of the main reasons why people who own recreational equipment and machines in and around the Byram, MS area invest in recreational insurance and solutions from the Riverside Insurance Agency Inc. team to help protect their recreational toys. When it comes to recreational insurance, however, it can do a lot more than cover repairs from accidents.

Recreational Insurance Offers Many Benefits and Can Save More than Your Recreational Toys

No, it isn’t uncommon to find a tree, a ditch, a rock, or even another vehicle when playing on our recreational equipment. That is also one of the reasons we have recreational insurance protection. The truth, though, is that recreational insurance offers many benefits beyond merely helping for things like repairs. If you own a recreational machine, there is probably a reason why you have it under lock and key, in the shed, or in the garage, right? From theft or liability to property damage concerns and more, recreational insurance can help with many scenarios. That is also why working with an experienced and professional agent for all your recreational insurance needs is important.

Recreational Insurance Solutions in Byram, MS

Do you live in or near the Byram, MS area? Would you like to learn more about how recreational insurance could help you, or do you need coverage and protection for your recreational toys? Contact us to find out more and schedule an appointment for the recreational insurance solutions you need and deserve at the Riverside Insurance Agency Inc. today. 

Do I Have Enough Insurance to Cover Natural Disaster Damage?

Natural disasters have increased in Iowa during the last few decades due to climate change. Although you may not have experienced a natural disaster loss in Des Moines, IA, you may in the foreseeable future. How do you protect yourself? Max Insurance LLC can help you assess your situation and ensure you have enough insurance to replace your structure and belongings.

What Types of Disasters Are Covered?

Most homeowners’ policies cover incidents like forest fires and excessive, weather-related occurrences such as lightning, hail, and windstorm damage, as well as the weight of excessive ice, sleet, or snow on roofs. Perils not covered include earthquakes, floods, sinkholes, mudslides, and landslides. These risks usually require you to buy a rider or add on a separate policy to cover such incidents.

Read and Understand Your Homeowner’s Policy

Coverage varies among insurance companies. Although policies generally include coverage for damage to your roof, siding, and windows, some insurers have started to limit payouts or increase deductibles due to increasing weather severity due to climate change. Also, consider adding flood insurance, even if you don’t live in a flood plain or near one of Des Moines’ many rivers. Make sure your policy covers backups from sump pumps and sewers if you have a basement, as flooding can occur when devices fail or storm sewers back up.

Other Ways to Protect Your Home

Keep your home in good repair by regularly replacing your roof and attending to outdoor and indoor maintenance. Notifying your insurer of upgrades may even offer discounts.

The staff at Max Insurance LLC, serving residents of Des Moines, IA, are experts on homeowner’s insurance policies. Contact our office today to learn what types of add-ons you can consider to keep your home fully protected from natural disasters.

Pickup vs. SUV: Which is Your Next Ride?

When shopping for a new car, one of the most significant decisions you’ll face is choosing the type of vehicle that best suits your needs. For some, the choice often comes down to a pickup truck or an SUV. Both options have their similarities and differences, and both are excellent choices. Here are some questions to consider to help determine which is right for you.

Do You Regularly Haul a Trailer?

If you frequently use a trailer for daily tasks or work, you’ll need a vehicle that can handle this demand. All pickup trucks come equipped with a hitch for towing trailers, though some can handle more weight than others. SUVs also offer some towing capacity, but it can be limited depending on the size and suspension of the SUV. A pickup truck might be the better choice if you require extensive towing capabilities.

How Many Seats Do You Need?

The size of your family or the number of passengers you typically transport can influence your vehicle choice. If you need ample space for kids, pets, and passengers, you might want to consider a larger SUV, which can accommodate up to eight passengers. In contrast, the largest trucks typically only have six seats. Smaller SUVs and pickups offer even less room inside.

Do You Need 4-Wheel Drive?

Only a few SUV models come with all-wheel drive, while the rest are two-wheel drive. Some sport model SUVs may offer 4-wheel drive, but this usually comes at an extra cost. On the other hand, most pickup models offer both two-wheel and four-wheel drive versions, making it a more affordable option in a pickup. A pickup might be the better choice if you frequently use this feature for recreational activities or work.

Contact our agents at Max Insurance LLC today if you’re looking for an auto insurance policy. We serve Des Moines, IA, and the surrounding areas.

Document Essentials for a Commercial Insurance Claim

Proper documentation is crucial when filing a commercial insurance claim. You should maintain careful records of certain things, which you can then submit to your insurance provider.

Conducting a Preliminary Assessment

In the aftermath of theft or damage at your business premises, it’s essential to carry out a preliminary assessment of your property. This evaluation helps to gauge the gravity of the incident.

The data you gather can be instrumental in backing up your insurance claim. Record the details of the incident, including the time it happened, who was present, and what was witnessed.

Furthermore, it attempts to pinpoint what led to the incident. Even if you’re uncertain about what transpired, discerning whether it was a weather-related phenomenon or due to criminal activity could be helpful when filing your insurance claim.

Gathering Supporting Evidence

Photographs or videos depicting the state of your business can be valuable. Capture images or footage as soon as possible after the occurrence. An insurance adjuster may take pictures or videos alongside your material during the inspection.

Preserve the scene of the incident while gathering supporting evidence. Do not alter the site where the theft or damage took place.

Filing a Police Report

When criminal activity occurs on your business premises, it’s imperative to notify the local authorities. Police personnel will visit your site and create a report.

This report can prove to be crucial when your claim is evaluated. It will comprise key details that describe what happened at your place of business.

Getting Further Assistance

Our knowledgeable agents at Max Insurance LLC can help you file your commercial insurance claim. Contact our agents serving Des Moines, IA, for professional assistance.

Pets and Home Insurance: What You Need to Know

Many people consider their pets part of their family, so it just makes sense that pets might be included in some way on insurance. Many factors determine how pets and insurance affect each other. Here at Max Insurance LLC, serving Des Moines, IA, and the surrounding areas, we want you to understand all the insurance details to make good choices. Let’s learn about pets and insurance.

Is Loss of a Pet Covered Under Home Insurance?

Many types of policies will allow you to include the value of your pets on your homeowners’ policies. These are seen as personal possessions. However, you need to double-check this information with your particular provider.

Are Pet-Related Injuries on My Property Covered?

This is another important question. People are concerned not only with the possible loss of a pet during a fire or natural disaster but also with the liability of the pet injuring someone. This is a real risk and is especially concerning for certain breeds of pets. You will be liable for medical bills or expenses if your pet injures someone on your property.

You can get coverage that would include this type of liability, but the breed of animal may be a factor. You’ll want to sit down with an insurance professional to determine if your pet can be covered and how much coverage is available. You may also get coverage that would pay if the animal caused damage to someone else’s property.

If you’d like to learn more about insurance and pets, please contact us at Max Insurance LLC, serving Des Moines, IA, and the surrounding areas. We are happy to answer all of your questions today.

The Importance of Regular Car Maintenance for Insurance Coverage

Filing claims is one of the quickest ways to see our auto insurance premiums increase. The more insurance companies pay out, the more we are charged for their services. Most auto accidents are just that—accidents. However, at Max Insurance LLC in Des Moines, IA, we notice that many accidents can be prevented with proper and regular vehicle maintenance.

Monitor Your Car’s Fluid Levels

Just as we need fluids to stay hydrated and function properly, our vehicles require the same to operate optimally. Regularly checking your oil, coolant, and transmission fluid can help critical parts of your engine function correctly, stay lubricated, and prevent sudden breakdowns on busy highways.

Monitoring your power steering and brake fluids can make braking and steering easier. It can also help prevent accidents that could have been avoided by braking or steering out of harm’s way.

Wheel Alignment and Tire Pressure Checks

Incorrect tire alignment can cause your car to veer off course, pulling you to one side and even creating vibrations while driving. This situation can be particularly dangerous, especially when traveling in inclement weather.

Regular tire pressure checks are essential. If the pressure is too high or low, it can affect your ability to steer and brake appropriately. It can also disrupt your vehicle’s stability and traction, both of which are crucial for safely navigating roadways, no matter their conditions.

Contact Us Today!

Don’t risk your safety or that of others. Regularly check your fluids, tires, and wheel alignment to ensure that you navigate the roadways safely and minimize the risk of accidents. If you have questions about car care tips or want to ensure your vehicle is adequately covered in a roadway incident, call us at Max Insurance LLC in Des Moines, IA. Our number is (515) 318-7178.

Does Your Commercial Insurance Cover Vandalism and Breakins?

Yes, commercial insurance usually pays for damage due to vandalism and break-ins. That is if you include it in your commercial property policy. Sometimes, it’s written into specific endorsements. If you want to make sure you’re covered for broken windows and doors after a break-in or graffiti or property damage due to vandalism, we can help. At Max Insurance LLC in Des Moines, IA, our agents are ready to answer any questions you have regarding your commercial insurance.

What Is Commercial Insurance?

Commercial insurance protects businesses against covered losses such as lawsuits, accidents, and natural disasters. Vandalism and break-ins are covered under a specific part of your commercial insurance policy. Our team can help you determine if you have enough coverage to meet the risk to your business.

Coverage Type

Vandalism and break-ins occur more often in urban areas than rural ones. So, location plays a major role in the type of coverage you’ll need. Crime endorsements, vandalism, and malicious mischief riders come with many standard commercial property policies. Speak to your agent to determine if you’re covered for these unfortunate events.

Specific Losses Covered

Review your policy or make an appointment with one of our agents to determine what specific losses are covered under your insurance. You’ll want to ensure your insurance company pays for replacement and reparation costs, so you won’t have to take it out of your profits.

Are You Covered Against Vandalism and Break-ins at Your Business?

Break-ins and vandalism can shake your confidence and threaten the security of your business. Call the police to file a report when you notice damage caused by these events. You should take pictures of the damage and talk to your agent as quickly as possible to discuss the next steps. Contact the team at Max Insurance LLC in Des Moines, IA to discuss your specific needs.

Other Structures Coverage – An Important Part of Your Home Insurance Policy

Other structures coverage protects the detached structures on your property. Learn about this type of coverage. Then, ensure that your home insurance policy provides adequate protection for each detached structure you own.

Detached Structures

The list below includes some detached structures you may want to add to your home insurance policy.

  • Guest house
  • Fence
  • Garden shed
  • Gazebo
  • Pergola
  • Mailbox

The items listed provide an idea of some of the detached structures that could be included in the coverage of other structures that are part of your home insurance policy. Of course, you may own additional detached structures that qualify, too.

Coverage Amount

Pick a coverage amount that would allow you to have damaged items replaced. Consider the fact that some detached structures could be permanently damaged. If you would like to have the opportunity to purchase replacement structures, select a higher coverage amount that will allow you to do so.

Damage

Your insurance papers will outline the type of damage that your insurance will cover. Standard perils will be covered, including windstorms, hailstorms, and fires.

In addition, planned events may also be covered. For instance, if someone with ill intent steals or defaces a structure that is on your property, your insurance will likely cover the incident. Familiarize yourself with your insurance coverage. This could better prepare you for filing an insurance claim in the future.

Contact Max Insurance LLC

Contact a Max Insurance LLC agent to discuss your home insurance policy. Our agents in Des Moines, IA, offer several home insurance products to protect your residential structures.