Come see us at our new location…
We are finally in our new office!
(1
block East of the old location)
627
Main Street
Ames
IA
50010-6062
Toll Free (800)798-7060
Local (515)232-7060
Fax (515)232-8501
Recreational Vehicles:
The
Homeowners policy does not extend liability coverage for Recreational
Vehicles off of the premises.
Please contact us to ensure that you have the proper coverage for
your Snowmobiles, ATVs, Scooters & Watercraft.
There may not be physical damage coverage for these items unless
you have purchased the coverage.
Please contact us if you have purchased a new
vehicle or have traded or sold a vehicle, recreational vehicle or other
property. The only guarantee
that we have the correct information is if you have contacted us with
it.
Paying On-line…
When paying your bills through your bank's on-line
check service, please list your account number to help the companies
apply your payments properly.
Life Insurance
You can’t
replace a family or the things that a family means to one another. Even
after losing someone, you can still reach the goals you set as a family
by planning for a few common needs:
Immediate
Needs
Funeral
Costs (Avg $10,000) ____________
Unpaid
Medical Costs
____________
Total Immediate Needs _______________
Readjustment
Needs
Mortgage
Payoff
_____________
Other
Loans (car, student,
home equity, credit card)
_____________
Cash Fund for
Emergencies _____________
Survivor Income
______________
Total Readjustment Needs ________________
·
Consider one of these simple methods…
o
Determine how much annual income you will need and divide
it by a conservative interest rate. Example 4%.
12,000
÷ .04
= $300,000
Annual income
interest rate
capital need for
Survivor income
~OR~
o
5 to 7 times your annual gross income.
Call
or stop in today for a free Life Insurance Quote!
What is Ordinance and Law coverage and why do I need it?
Ordinance & Law coverage provides
coverage for rebuilding a damaged or destroyed structure so it conforms
to the latest building codes. This expense can add 50% or more to
recovery costs.
Ordinance & Law coverage is typically
excluded in Commercial Property and Homeowner’s policies. This
exclusion is aimed at the application of building codes of various kinds
– construction, plumbing, fire safety, etc. that may require more
expensive reconstruction materials, installation, designs or methods
after the loss than those used in the existing building.
Areas of loss covered under Ordinance & Law
coverage are:
Loss of value of the
undamaged portion of a building that must be torn down or modified to
meet the current code requirements.
Cost of demolition and
removal of the debris of undamaged portions of the structure that must
be torn down or modified.
Increased cost of
reconstruction to meet current building codes.
Contact our office today to discuss this coverage
with your agent.
