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Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Featured Insurance Blog

Why Health Insurance Is a Good Investment

You’ll not make a better decision in your life than investing in health insurance. Even if you’re healthy today, you may fall ill in the future, more so as you advance in age.

In such times, your health insurance policy will cover your medical expenses, saving you from the ever-rising healthcare costs in the U.S.

As insurance experts from Maschoff Insurance in Ankeny, IA, will tell you, investing in health insurance is an excellent plan because of the following reasons:

You’ll Avoid Paying Huge Hospital Bills

Generally, healthcare costs are high in most states, and Iowa is no exception. If you don’t have health insurance, you’ll feel robbed every time you have a medical expense.

When you have big hospital bills, you may have to draw from your savings. But with a good health insurance plan, all your hospital expenses will be fully covered.

Saves Your Family From Mental and Financial Distress

When you fall sick, your immediate family members get concerned. Especially if you get admitted to the hospital for a serious disease, your family may worry sick.

But when they know that your hospital bills are covered, they’ll not have financial distress. This will allow them to seek the best healthcare services for you so you can recover fast.

Complements Employer-Sponsored Health Insurance

You can buy health insurance to get extra coverage on top of your employer’s plan. Your employer-provided health insurance may not provide the coverage you seek, or you may have added a dependent who is not covered under your current plan.

Speak to a Professional at Maschoff Insurance in Ankeny, IA

When buying health insurance policies, you’ll benefit from the knowledge and experience of insurance experts at Maschoff Insurance.

You can trust that we will get you a health insurance policy that works best for you and your family. Give us a call today, and we’ll take it from there.

Why life insurance matters

Life insurance matters because it is a gift to your loved ones. Every person has a different need and a different financial situation. That is what makes life insurance so important. At Maschoff Insurance in Ankeny, IA we are an independent insurance agency whose focus is on our customers. By getting to know our customers, we are better able to help them choose the right life insurance products. 

When you are planning your future, your financial future plays an important part in those plans. Financial planning helps you to make sure that not only are you financially stable today but also in the future. It is never too early to think about retirement and having the kind of later years that are free from money worries.

Life insurance has a role in these plans for the future. There is more to life insurance than just the death benefit. The death benefit is there to make sure that if you are not there, your family will be able to continue to live the life they had when you were alive. This means you have to provide the funds they will need to take the place of your income. 

Depending on the type of life insurance you choose, you may also be earning dividends and, in addition to the death benefit, you will have cash value to draw on if you don’t die. This is a double benefit. Especially when you are young and not prone to saving, having a whole life insurance policy allows you to save for the future while having the safety of the death benefit. 

Life insurance matters to your dependents but it also matters for you. Having a plan for the future is the best way to guarantee that you will be financially secure, not only today but tomorrow. 

Contact Maschoff Insurance in Ankeny, IA to discuss your life insurance needs. 

Full Coverage Auto Insurance

Full coverage auto insurance typically provides liability, collision, and comprehensive coverage. This coverage protects you from damages associated with an accident, acts of nature, and theft. Full coverage is often more than the minimum state requirements; however, many Ankeny, IA lenders require full coverage during the loan term. 

Call the agents at Maschoff Insurance today to discuss full coverage auto insurance options available. 

What Is Full Coverage Auto Insurance?

Full coverage provides several coverage options together to build a complete auto insurance policy. Typical full coverage policies include liability, collision, and comprehensive coverage. In most situations, full coverage also includes personal injury protection, uninsured and underinsured motorist coverage. 

How Much Does Full Coverage Auto Insurance Cost? 

In addition to what your policy includes, many factors affect the cost of auto insurance premiums. These factors include driver’s age, driving record, insurance company, deductible, coverage limits, geographic location, and vehicle (make, model, mileage, and age). On average, full coverage costs around $350 per month. 

Do I Need Full Coverage Auto Insurance? 

No one auto insurance policy fits every driver on the road or fits all your driving and insurance needs. There are times when you may wish you had full coverage auto insurance, but it is too late. Reasons why you may need full coverage insurance include: 

  • You bought a new car
  • You live in a high-risk area
  • You cannot afford to repair or replace your vehicle

Full coverage auto insurance may not be the best option if you rarely drive your vehicle or the car is not worth a lot of money. 

Insuring your vehicle in Ankeny, IA is essential to protect yourself financially in the event of an accident or theft. Call Maschoff Insurance today to discuss your auto insurance needs and to determine if full coverage is the best option for you. 

Commerical Insurance FAQs for Business Owners

Owning your own business brings a special type of pride and confidence. The best way to protect the hard work you have put into your business is through a sound commercial insurance policy. At Maschoff Insurance Agency LLC, serving Ankeny, IA, we make it our business to help business owners like you find the right insurance products. Check out these frequently asked questions concerning commercial insurance. 

What Is Commercial Insurance?

Commercial insurance is a unique set of insurance products specially designed for the business owner. These insurance products help business owners protect their properties, employees, and assets. There are many different elements that go into a successful business, and commercial insurance policies can help you to cover all of these elements with one convenient policy. 

What Does Commercial Insurance Cover?

Each business is different, so each commercial policy will be different as well. Your insurance representative will be able to help you customize a policy that is perfect for you and your business needs. There are, however,  a few general areas that commercial insurance covers. General types of coverage include:

  • Property Damage- Property damage coverage will help repair or replace the property that is damaged due to natural disaster, fire, or burglary. 
  • Liability Coverage- Liability coverage will kick in if someone is injured on your business property or because of your goods or services. This type of coverage can help pay for medical bills or legal expenses resulting from an incident. This is an important type of coverage to have if you wish to protect your business and personal assets.

If you would like to learn more about our services, please contact our office at Maschoff Insurance Agency LLC, serving Ankeny, IA.

Crucial Home Maintenance Projects

Being a homeowner in Ankeny, IA, means you have a lot of responsibilities. The biggest responsibility homeowners have is taking care of routine maintenance projects to help keep the home structurally sound, and all the components are working correctly. Properly maintaining your home also reduces the risk of damage associated with a fire or bad weather. Call Maschoff Insurance Agency LLC for details about coverage associated with damage to your home. 

Termite Inspection

Termites can wreak havoc on a home’s structure and could be expensive to fix. Have your home inspected for termites every year and resolve any termite issues immediately. 

Smoke and Carbon Monoxide Detectors

If you do not already have them installed, install smoke and carbon monoxide detectors in your home. It would be best to have a carbon monoxide detector on every floor of the home and smoke detectors on every floor and outside of sleeping areas. Test these alarms monthly and, if needed, add fresh batteries. 

Exhaust Fans

Clean out the exhaust fans in the bathrooms to help prevent mold and mildew from growing. In addition, cleaning the attic and ventilation fans help keep the airflow moving in the home. Cleaning exhaust fans every three months helps save energy and keeps the fans functioning correctly. 

Sinks

Check all sinks in the home for any possible leaks. If the caulking is damaged, remove and recaulk the sink. Checking your sinks for leaks should be conducted a couple of times a year. 

By conducting routine home maintenance projects, you can keep your home in tip-top shape, reducing the chances of experiencing damage caused by a fire or inclement weather in Ankeny, IA. Call our agents today at Maschoff Insurance Agency LLC for more information about protecting your home. 

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