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1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Required Commercial Insurance in Iowa

When you own a business in Iowa, there are certain types of insurance policies that you must have by law. It’s important to keep your business operating legally and to have the types of insurance you need to protect it. If you have a business and need insurance protection for it, give us a call at Maschoff Insurance in Ankeny, IA. 

Required Commercial Insurance

Workers’ Compensation Insurance

In Iowa, any business with any number of employees must have a workers’ compensation policy for them. This is required even if the employees are part-time. Even one employee requires you to carry this insurance, but independent contractors are not included. This coverage protects your business by paying for the medical expenses and lost wages of any employees who are injured while on the job. It also pays for disability benefits in Iowa. This insurance helps your business to stay protected from these expenses, but it also protects your employees by keeping that money available for them. 

Commercial Auto Insurance

When your Iowa business owners a vehicle, it has to have a commercial auto insurance policy. This policy must have at least two types of coverage that are each required, and there are three amounts required. There is one amount of coverage required for property damage liability. This pays for the other party’s property damage after you cause an accident. There is a minimum amount required for one person to be covered by bodily injury liability. There is also a minimum amount of coverage required for everyone in the accident who is injured. All of these amounts are relatively low in Iowa, and it’s generally recommended that you add to the minimum coverage amounts. 

Get Your Commercial Insurance

Your business needs to be protected by the appropriate commercial insurance policies. It’s important to have enough insurance to protect your business from a wide range of possible risks. To get started, give us a call at Maschoff Insurance in Ankeny, IA.

Does My Homeowners Insurance Cover Flood Damage?

Flood insurance protects against flooding which may occur due to storm surges, rising water, or overflowing rivers or lakes. If you live in zones that are high risk of floods, you may need to purchase flood insurance to protect your home. Even if you don’t live in such a zone, you may want to consider purchasing the insurance if your place has below-average flood protection, such as an elevated foundation. 

Flood insurance typically comes with a higher upfront cost than homeowners insurance. However, most companies will offer a discount for customers who have this cover. While the insurance is necessary if your home is located in an area subject to flooding or the risk of flooding a low-lying area. For any issues, consult Maschoff Insurance at Ankeny, IA. 

Policies That Cover Flood Damage 

Flood damage is covered under most policies; however, there are some stipulations. The insurance policies are available if you have standard homeowners or renters insurance, or you can purchase a policy as a standalone policy. Flood insurance typically costs about 5–10% more than renter’s insurance or standard homeowner’s. While this insurance isn’t required by law, it’s highly recommended. 

Even if you live in a location not typically affected by floods, you can still experience heavy rains or rapid snowmelt. Standard homeowners insurance doesn’t cover flood damage, but you can purchase it as an add-on to standard homeowners insurance. Flood insurance is typically more costly than standard homeowners insurance due to the risk of flooding in your area. You can buy it 180 days before the date when you expect to need it. 

Give Us A Call

Flood insurance comes with higher premium. Talk to your agent about what your home’s insurance covers and what it doesn’t. Inquire about any additional coverages that is suitable to your home. Maschoff Insurance can help you get the right coverage. Call the team serving at Ankeny, IA and surrounding areas for service and advice.

What Car Collectors Should Know About Classic Car Insurance

Classic cars can be a great hobby and a great investment. To properly protect this investment, though, you need the proper type of insurance. At Maschoff Insurance serving Ankeny, IA, we can help you better understand your insurance options for classic vehicles.

Classic Car Insurance  FAQs

Regular Auto Insurance Is Not Enough?

Although you can legally drive your classic car with just a regular auto policy, it is important to note that a regular policy will not be enough to truly protect the investment you made. Classic cars are not valued the same way that regular cars are, so a regular policy will not take into consideration the other value factors. 

Classic Vehicle Value

Classic cars and vehicles need special insurance because they are valued a different way. One of the biggest factors that go into valuing your vehicle will be the investment you personally have made. Another factor will be the value the vehicle holds in the classic car market. Again, this is very different from the market value of regular vehicles. 

Determining Coverage

The best way to determine the coverage you will need for your classic vehicle, is to sit down with a trained insurance agent. This professional will be able to evaluate the vehicle accurately, taking into consideration all of the factors that affect the value of classic cars. After this evaluation, a coverage amount will be determined. 

If you would like to learn more about classic car insurance, or any of our other insurance products, please contact us at Maschoff Insurance serving Ankeny, IA, and the surrounding areas. We will be happy to answer your questions and help you find the best insurance products for your needs. 

Renters Insurance Policy Breakdown

Maschoff Insurance is an independent agency. We assist the Ankeny, IA community, as well as the surrounding areas. We are committed to helping our clients find policies to protect their assets. We work with multiple carriers across the Midwest. This allows us to offer our clients flexible policies that evolve over time. We look forward to assisting you.

Renters Insurance Policy Breakdown

If you are staying in a rental property in Ankeny, IA or surrounding areas, insurance helps protect your personal items. Renters insurance covers your possessions if they are stolen or damaged. It’s a good idea to take inventory of your possessions when you first move in, as they could help the replacement process run smoothly if an emergency happens. If you have any luxury electronics at your rental property, you can add extra coverage in order to fully cover those items if something happens to them.

Liability coverage is significant as well. Perhaps you plan to throw a party at your rental property and invite some friends over. Liability coverage protects you if one of your guests is injured at the party or damages your neighbor’s property. Perhaps you are cooking in the kitchen, and an accidental fire starts and spreads to your neighbor’s unit. This is another situation where liability coverage will protect you.

You can add loss of use coverage to your rental policy. This type of coverage gives you a safety net as you look for a temporary place to stay if your rental property is damaged by severe weather or another disaster. Be advised that flood damage is not a covered peril unless you amend your renters’ insurance policy.  

Maschoff Insurance Will Help You Protect Your Assets

Contact us today to learn more information about renters insurance.

How You Can Know What Level of RV Insurance to Get

Are you aware that there are different levels of RV (recreational vehicle) insurance? It might not be clear which coverage you should get for your specific situation. It can be beneficial to talk over your options with an agent from Maschoff Insurance of the Ankeny, IA area. 

RV Insurance Requirements in Iowa

In the state of Iowa, you actually aren’t required to have RV insurance for RVs if you aren’t driving them. If you have a trailer that is attached to another vehicle or an ATV that you’re transporting on the back of a truck, you won’t need to insure it. If you have any doubt about whether your RV applies, ask your agent. 

Liability Coverage

Liability is the basic type of coverage you can get and is what’s typically required by law. The way this is used is that it helps pay other people’s property damage and medical bills if you’re deemed to be at fault for an accident. It doesn’t cover damages to your own vehicle. 

Collision Coverage

A collision policy is what you would get in order to have coverage for your own vehicle’s damages. It covers either repairs or replacement after the amount of your deductible has been met. 

Comprehensive Coverage

Not all accidents happen when you’re on the road. Other incidents that cause damage such as fire and inclement weather are covered under a comprehensive policy. It covers most things that can happen to your RV. 

Underinsured and Uninsured Motorist 

If your RV is hit by a driver who doesn’t have insurance at the time, you might need to pay for your repairs entirely. If a motorist who’s at fault is underinsured, the policy might not cover damages to your RV. When you have an uninsured and underinsured motorist policy, you won’t have as much of a burden. 

Valuables Coverage 

A valuables policy protects the items that are in your RV. If you plan to transport valuables or know that you’ll occasionally have such items in your car, this coverage is ideal. 

When you are about to sign up for RV insurance in the Ankeny, IA area, look no further than Maschoff Insurance. Our agents go above and beyond to assist new and regular customers. Contact us today with your questions and to set up your insurance. 

Motorcycle Insurance Breakdown

Maschoff Insurance is an independent agency. We work closely with multiple carriers across the Midwest. We strive to help our clients find policies to protect their assets. We offer flexible coverage options to ensure that you will find something that aligns with your current situation.

Motorcycle Insurance Breakdown

Motorcycle insurance protects you as you travel around Ankeny, IA and the surrounding areas. The coverage protects you if your bike suffers damage through impact with an object. Comprehensive coverage protects you if your bike is stolen or in unique situations, such as colliding with a deer. Because operating a motorcycle is a relatively high risk, accidents may occur. If you are ruled to be responsible for possible damage or someone gets injured, liability coverage will protect you if the affected party pursues legal action. If there is a passenger on your motorcycle, personal injury protection covers you if they suffer an injury.

You can also amend your policy to provide extra coverage in unique situations. Perhaps you are traveling out of Ankeny IA and you plan to take a vacation. Unfortunately, your motorcycle breaks down, and you are stranded. You can add roadside assistance to your policy so that you will be covered during this difficult situation. You may also qualify for interruption coverage, which covers you if you need a place to stay while your motorcycle is being repaired. If you have custom parts on your motorcycle, you can add custom parts coverage, which will help you replace those items if they are stolen or seriously damaged. Consider adding lay-up coverage, which protects your bike if something happens to it while you aren’t planning to use it.  

Maschoff Insurance Will Help You Cover Your Assets

Visit our website to learn more information about motorcycle insurance.

Benefits of Boat Insurance

Boating and summer go hand in hand like fish and chips. If you live in the Ankeny, IA area and are thinking about purchasing a boat, or if you already own one, speak to Maschoff Insurance about the benefits of boat insurance today.

You can summarize the benefits of boat insurance in very few words. Protection and Peace of Mind. That is what you need to consider when you weigh up whether purchasing boat insurance is worthwhile.

No one can foresee an accident happening, which is the main benefit of boat or watercraft insurance. By purchasing a boat insurance policy, you are protecting your asset from accidental harm financially. Your boat insurance may include cover for replacement or repairs to your boat or salvage if your boat sinks.

When your boat is docked in the harbor, there is the possibility of theft or vandalism outside of the control of your property. Having boat insurance, particularly all-risk options, will let you sleep better at night, knowing your boat is covered no matter where it is, even during transportation.

Injury is another aspect you need to consider. Boating is a lovely outdoor pastime shared by many. Boat insurance with liability coverage allows you peace of mind, knowing that your guests on your boat are protected from financial repercussions if you are legally liable for their injury. It may even cover you if you are responsible for damage to another person’s property, and this does happen, especially when we are having fun and our guard is down.

Boat insurance complements homeowners insurance because sometimes the cover is not sufficient and requires more individualized policies. Speak to the helpful insurance agents at Maschoff Insurance, serving Ankeny, IA, about your watercraft insurance needs today and get your protection and peace of mind.

Does Umbrella Insurance Cover Floods?

Floods are the most common type of natural disaster in the United States, and they can cause significant damage to your home or business. They’re also not covered by typical homeowners’ insurance policies because flooding is typically caused by stormwater runoff that originates outside of your property.

Umbrella Insurance and Floods

Many people think Umbrella insurance covers floods because the policy gives you additional liability insurance, but that’s not typically the case. Umbrella insurance typically covers:

  • Bodily injury liability: This pays for injuries that your policyholder causes to another person.
  • Property damage liability: This pays for damage caused to someone else’s property by your policyholder.

What Should You Get for Floods?

If you live in an area where flooding is a common risk, it’s important to have separate flood insurance so that your home and belongings are covered. In the event of a disaster, typical homeowner policies will not cover damage from floods because they’re typically caused by heavy rain or storm surges.

Flood Insurance Policies

Flood insurance typically covers the loss of your home, personal belongings, and any fixtures or fittings that are a part of your home. When buying a flood insurance policy, it’s important to ask questions about what isn’t covered by the plan and what is included.

Benefits of a Flood Insurance Policy

A typical flood insurance policy will cover your home’s structure and its contents, including appliances. If you need new carpeting or doors after a flood, your policy will also cover these items.

Is Umbrella or Flood Insurance Policy Right for You?

Umbrella insurance provides your policyholders with an additional layer of liability insurance that covers incidents that happen outside of your policyholder’s normal coverage. If you’re still unsure whether umbrella or flood insurance is right for you in Ankeny, IA, call Maschoff Insurance today, and we can help you make the right decision.

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. 

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