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MAX Insurance, LLC

6600 University Ave
Windsor Heights, IA 50324

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Category: Insurance

Recreational Insurance can Save More than Your Recreational Toys

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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?

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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.

Pets and Home Insurance: What You Need to Know

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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.

When Do You Need Umbrella Coverage For Your Commercial Insurance?

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Typically, businesses are equipped with certain types of insurance coverage that protect their interests in general situations. However, there are occasions when additional insurance beyond your standard commercial policy is necessary to meet specific business needs. At Max Insurance in Des Moines, IA, we are dedicated to helping our clients find the right coverage to match their evolving needs.

What is Umbrella Coverage?

Many policies are required to protect your business against various risks. Usually, these policies cover liabilities and damage up to a specific amount. An umbrella policy goes the extra mile to cover an additional range of liability or damage, advancing an additional layer of protection to your Business in case of lawsuits or accidents.

When does your Business need Umbrella Coverage?

Umbrella coverage serves as an extension to your standard commercial insurance policy. It’s highly recommended that your business is open to the public, where enhanced coverage might be necessary in the event of an injury. In certain cases, clients may require that you carry insurance that surpasses your standard policy’s limit. Here, an umbrella coverage can bridge the gap. If your employees work on other people’s properties where damage occurs, umbrella coverage can safeguard the liability. For businesses operating under unusual circumstances, umbrella coverage may be vital to cover potential liabilities.

Running a business involves seamlessly adapting to changing conditions on a daily basis. Fulfilling your clients’ needs might sometimes necessitate a change in insurance coverage. We are here to assist with a variety of policy options. Reach out to Max Insurance LLC in Des Moines, IA, today for a no-obligation quote on commercial insurance to safeguard your Business.