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Windsor Heights, IA 50324

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Here’s What You’re Getting Wrong About Your Auto Insurance

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Our team at Max Insurance LLC has seen many Des Moines, IA residents make mistakes about their car insurance. These are often minor issues that can be easily fixed. However, there are other problems that might be even more problematic. Here’s what you need to know here.

Not Reporting Accidents 

We get why you might not want to report accidents with your insurance company. It’s embarrassing and might seem unnecessary in minor incidents where no one is hurt. However, getting help from your insurance can ensure you are protected. Just as importantly, it can avoid legal issues. After all, if you try selling your vehicle with damage caused by unreported accidents, there could be legal consequences.

Modifying Your Car Improperly 

Do you like changing your car up with various upgrades, like new spoilers and engines? It’s okay to do that if you work with a licensed and insured professional. If you don’t? Well, that could actually void your insurance and cause real problems. Always work with an expert and avoid DIY modifications to minimize this issue.

Sticking to Long With a Policy 

It’s something that we’ve seen too many people do over the years to count: sticking with a policy far too long. Put simply, many people don’t change their policies and end up missing out on better options. We strongly recommend that you shop around regularly to make sure that you don’t miss out on anything. You can even let us know what kind of upgrades you’d like to make to get the help that you need.

Need Help? Let Us Know!

With the help of our crew at Max Insurance LLC, you can get the Des Moines, IA auto insurance you need and avoid making mistakes. It’s important to take this coverage seriously to ensure that you get the help you deserve. Contact us today to learn more about your available insurance options.

Cyber Liability Insurance: Protecting Your Business in the Digital Age

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In the modern business world, risk management is of primary concern. Businesses are becoming more dependent on the use of technology and data, which makes them vulnerable to cyber threats, i.e., data breaches, hacking, etc. Max Insurance LLC in Des Moines, IA area’s cyber liability insurance can protect businesses from cyber-related incidents.

Key Aspects of Cyber Liability Insurance

Cyber liability insurance offers businesses financial protection and support after a cyber event, which includes-

Data Breaches

  • Covers expenses associated with the notification of and credit monitoring services offered to those impacted by the data breach.
  • Assists in the management of any damage to the company’s reputation caused by the breach.

Business Interruption/ Data Restoration

  • Covers the loss of income loss (or additional expenses) due to business disruptions caused by a cyber event.
  • Covers costs related to restoring/recreating damaged/lost data.

Regulatory Violations/Fines

Helps to reimburse insured companies for fines/penalties imposed by regulatory authorities for non-compliance.

Cyber Extortion

Protection against extortion attempts caused by ransomware attacks, etc.

Cybercrime Coverage

  • Covers losses resulting from deceptive practices, like phishing attacks.
  • Protects against fraudulent transfer of funds from a cyber incident.

Legal Fees

Covers legal expenses should a third party sue a business due to a cyber event.

It’s crucial to understand –

  • Policy exclusions and limitations. Exclusions may include intentional and criminal acts, war, and certain types of data breaches.
  • Policy limits and deductibles.

Contact Us Today

As cyber threats evolve, it’s important to review your cyber liability insurance coverage to ensure the policy is effective against new/emerging risks. By working with an insurance professional at Max Insurance LLC, you are ready for unforeseen business challenges in Des Moines, IA. 

What to Know About Making a Home Inventory

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Do you have a home inventory? If you don’t, recovering after a disaster could be all the more difficult. Making a home inventory and updating it can help you in the event that you need to make a claim with Max Insurance LLC serving Des Moines, IA. 

What’s a Home Inventory?

A home inventory is a list of everything you own. Having a list like this can help you in the event that a disaster claims your possessions. When it’s time to replace your possessions, you’ll remember what you had and what you need to replace.

Some insurance companies ask that their customers make a home inventory and keep it in a safe spot, but even if your insurance company isn’t asking you to do it, it’s still good to have one.

Making the Home Inventory

There’s more than one way to make a home inventory. One way is to make a video of everything you own. Take 20 minutes or half an hour to walk around your home with your smart camera or video camera and video record yourself going through the rooms of your house, including cabinets and closets. Focus on big-ticket items like jewelry, television, and computers. 

Another way to make a home inventory is to make a spreadsheet of everything you own. To keep the spreadsheet organized, divide the list up into rooms. No matter how you make your list, make a note in your calendar to update it every year. 

Don’t forget to keep your inventory in a safe location. You can store your home video in the cloud or send yourself an email with the inventory attached. Just remember that your inventory should be accessible in the event that a disaster claims everything you own. 

We Are Here To Help

At Max Insurance LLC serving the greater Des Moines, IA area, we’re happy to answer your questions about making a home inventory and recovering from a covered event. Contact us to learn more. 

How much time do I have to purchase auto insurance after buying a car?

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Des Moines, IA drivers may have a grace period where they can drive without insurance without incurring legal penalties. That means that during that time if you are caught driving without insurance, you will not have to pay a ticket or lose your license and registration.

However, the grace period is limited to certain situations and only lasts for a brief time. Max Insurance LLC can help you figure out what you need to do to make sure you are driving safely and legally.

If you are replacing a former vehicle with a new vehicle, your insurance company will allow you between a week and a month to add the new information. It never hurts to call your agent right away though to make sure that you understand the time limits and make sure you are safe. If you are driving a new vehicle and do not already have insurance, you will need to provide proof of insurance in order to drive on a public street or register your vehicle.

Even though Des Moines, IA drivers have a grace period for buying insurance, keep in mind that during this time period, you do not have protection if you are in an accident. You may also realize that the minimum amount of coverage required by law is not enough. If you want to have your own damages covered, you can also add additional comprehensive and collision protection.

Schedule A Consultation Today

Don’t forget that you are still responsible for anything that happens when you are operating a motor vehicle in Iowa, even during your grace period. If you have any questions or would like to discuss your auto insurance policy, please feel free to call Max Insurance LLC today.

Does Commercial Insurance Cover Office Equipment?

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If you own a business, you likely need equipment to help perform daily tasks. Equipment can be a tremendous business asset, so you need the right insurance policy to protect those investments. If you would like to learn more about commercial insurance and what it can cover, you can trust the professionals at Max Insurance LLC to provide quality insurance products and customer service support to the residents of Des Moines, IA.

Commercial Insurance Protection 

The right insurance policy will cover your essential office equipment and other supplies, such as inventory. Getting the right insurance policy in place is the best way to prevent loss due to covered risks. If you need assistance finding out which policy options best meet your business needs, our insurance agents can help. We take the time to learn about each client’s situation and match them with policies that deliver the best protection. Once the customer chooses a policy, we collect the information necessary to secure the policy right away. We’ll also assist with any claims or changes the customer needs to make over the policy’s lifetime. We aim to provide the best customer service and insurance products, so business owners can have security and peace of mind.

Reach Out to Us Today

Having the right insurance policy is essential. We would love to assist you if you would like to learn more about commercial policy options. Please reach out to us today by calling or stopping by the office of Max Insurance LLC, serving the residents of Des Moines, IA. Don’t take chances with your business coverage. Get the professional support that our team of knowledgeable insurance agents can provide for you and your business.

Renovations and Home Insurance: What You Should Know Before Making Changes

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When it comes to upgrading your home, it’s important to consider more than just aesthetics. Home renovations can impact your insurance coverage, and being informed is key to avoiding potential pitfalls. Here at Max Insurance LLC, providing homeowners in the greater Des Moines, IA area with home insurance, we want to help you know what to expect.

Assessing the Impact

Before diving into renovations, take a moment to assess how they might affect your insurance. Major changes, like adding an extension or upgrading electrical systems, could increase your home’s value, warranting an adjustment in your coverage. Failing to update your policy could leave you underinsured in case of an accident.

Informing Your Insurer

Transparency is crucial. Notify your insurance company about your renovation plans. They can guide you on coverage adjustments and any necessary endorsements. For instance, if contractors are involved, make sure they carry adequate insurance to avoid potential liability issues that might otherwise fall on you.

Budgeting for Changes

While renovating, keep your budget not only for the project itself but also for potential insurance adjustments. Your premium might change based on factors such as the materials used and the overall value of the upgrades. Planning for these changes can help you avoid financial surprises down the road.

Consult With Us

Renovations can breathe new life into your home, but they can also impact your insurance coverage. Being proactive in understanding the relationship between renovations and home insurance can help you protect your investment and ensure your peace of mind. If you’re looking for a new policy in the greater Des Moines, IA area, or just want to find out how renovations may impact your policy, Max Insurance LLC would love to help. Call us today to learn more.

What Happens if I Drop My Comprehensive Insurance Before My Car is Paid Off?

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If you’re a Des Moines, IA resident and you’re currently making regular payments on a car that you’re financing, then you are required to maintain collision or comprehensive insurance on the vehicle for the life of the loan.

Comprehensive insurance is useful in case your vehicle were to become damaged due to inclement weather, vandalism, or in some other unfortunate event. Collision insurance covers damage incurred in a car accident. Since both collision and comprehensive insurance are costlier than general liability, you may have considered canceling your comprehensive coverage and opted for collision or even liability instead. You need to consider the consequences of doing so.

Comprehensive and Collision Aren’t Both Required

Most finance companies require you to maintain collision insurance on the vehicle at all times and comprehensive is just extra if you want additional peace of mind. So, if you currently have both types of insurance on your vehicle, then it’s okay to cancel your comprehensive. However, if you cancel both insurance and leave on liability, then your finance company could repossess your vehicle for breach of contract. You are also leaving your vehicle unprotected, which could end up being very costly for you. 

Collision Insurance is the Most Important 

While comprehensive insurance is very valuable insurance to have, collision coverage is more important. It’s a lot more likely that you will become involved in a car accident as opposed to your car becoming damaged by weather, vandalism, or some other non-accident type of incident. So, if you drop your comprehensive and switch to collision, then there should be no negative consequences. 

So, as you can see, comprehensive insurance isn’t quite as important as collision coverage. As long as you have collision insurance, most states, including Iowa, don’t require both comprehensive and collision insurance.

Reach Out To Us

We at Max Insurance LLC serve the Des Moines, IA area, and we will be happy to help you. If you’re looking for an insurance agency that goes above and beyond to ensure high-quality service and coverage, then give us a call so we can provide you with a quote for your auto insurance. 

Four commercial insurance details you shouldn’t overlook

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Business owners need to understand all the important details of their commercial insurance policy. Max Insurance LLC insures companies in Des Moines, IA. We can assist you with meeting your insurance needs.

The following are four commercial insurance details that you shouldn’t overlook:

Types of coverage your policy includes

When you buy commercial insurance, there are many types of coverage from which you’ll need to choose.

You must determine the insurance needs of your company to decide on which types of coverage to purchase. Basic commercial insurance policies typically include commercial liability coverage. You’ll also decide if you need coverage types like commercial property, commercial auto, workers’ compensation, and business interruption insurance. 

Comparing quotes

Getting quotes from different commercial insurance providers will help you to find competitive premiums. It’s important for you to work your premium costs into the budget. This will help you to manage the cash flow at your company. 

Coverage limits

As with most other types of insurance, commercial insurance will only cover you up to certain coverage limits. You’ll have the option to choose how much coverage you want to invest in.

The higher your coverage limits are, the more costly your commercial insurance will be. Ideally, you should have enough coverage to protect all of your company’s assets. 

Deductible costs

Make sure that the deductibles on your policy will be affordable for your company to pay in the event of a claim. You’ll need to pay the deductible amount before your commercial insurance kicks in and begin paying for additional expenses. 

Reach Out To Us

Do you need to insure your business in Des Moines, IA? Our commercial insurance policies can protect your livelihood and give you peace of mind. Get in touch with us at Max Insurance LLC for a policy quote. 

Will my homeowners insurance cover the damage from the rat infestation in my attic?

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Homeowners insurance creates peace of mind for homeowners. Many homeowners wouldn’t be able to pay for many accidents or unexpected incidents without the help of homeowners insurance. This insurance reduces the out-of-pocket expense associated with the repair or replacement of many things associated with a home. Our Des Moines, IA team at Max Insurance LLC is committed to helping homeowners understand the benefits of homeowners insurance. 

What is Homeowners Insurance?

Homeowners insurance covers the repair or replacement of your home, personal belongings, property, and other assets. Homeowners insurance also provides liability coverage for property damage or injuries you may unintentionally cause to others. This coverage may also apply to incidents or injuries to others away from your home as well. If your home has to be rebuilt or repaired, home insurance typically covers the cost of living elsewhere until your home is inhabitable again. 

Will my home insurance cover the damage from the rat infestation in my attic?

Although homeowners insurance covers many situations, it doesn’t typically cover damage caused by insects, birds, rodents, and small animals. This type of damage is the sole responsibility of the homeowner unless he or she has purchased some kind of add-on insurance that would make allowance for this type of damage.

Conversely, if a bird breaks a window in your home, your insurance may cover this type of incident. An insurance agent can adequately detail the coverage allowances associated with damage caused by insects or animals. Although most of this kind of damage isn’t covered by a standard homeowners policy, there may be exceptions.

Looking for Insurance in Des Moines, IA?

If you have questions about homeowners insurance, call us at Max Insurance LLC. We’d be happy to answer all of your questions.

Documents you should always carry in your vehicle

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At Max Insurance LLC in Des Moines, IA we understand that each person has unique insurance needs, and we never use a one-size-fits-all approach. We get to know our customers so that we can better serve them by providing insurance that fits their personal needs. We work for you, and we will strive to get you the best coverage at a price that works for you. 

Documents you should always carry in your vehicle

Your vehicle registration

Your vehicle must be registered in the state of Iowa within 30 days of your moving to the state. You must register your vehicle in the county where you live, and if you change counties, you let the motor vehicle department know so that they can keep the records correct. In order to register your vehicle, you must have the title, a bill of sale, and a completed application. Your vehicle must also have a federal safety label. Keep your registration in the glove box or over your sun visor. 

Your insurance card

When you renew your auto insurance, you will receive an insurance card either through the mail or digitally. It has the carrier’s name, your name, the policy number, and the dates the policy is in effect. This proves that you have the required coverage for the state of Iowa. It should be kept where you can access it easily in the event you need to provide it to a police officer. 

Your driver’s license

You are required to always have your driver’s license on your person if you are driving a motor vehicle. You may not actually keep it in the vehicle, but it should be on you when you are driving. 

Need Auto Insurance? Reach Out To Us

Give our office a call. At Max Insurance LLC in Des Moines, IA, we provide a selection of carriers who can meet your particular needs for auto insurance.