Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Iowa Insurance Guide

Smack dab in the middle of the American heartland, Iowa is known as one of the safest U.S. states to live in. But that doesn’t mean that Iowa residents can get away without having insurance-after all, accidents can happen in even the safest of states.

Iowa Auto Insurance

Iowa auto insurance regulations are relatively easy to understand. The state is not a no-fault state and they require no uninsured motorist coverage or personal injury protection (PIP). Iowa auto insurance regulations do, however, require both property damage liability and bodily injury liability coverage. The minimum about of bodily injury liability for a single-person liability is $20,000 and $40,000 is the minimum for a multiple person injury. $15,000 is the minimum amount you can carry for property damage.

Iowa Health Insurance

Like many states, Iowa health insurance regulations do not require insurers to guarantee individual insurance coverage for pre-existing conditions. They do have a high-risk pool that is subsidized by the state for high-risk individuals who have been denied insurance coverage. Iowa also allows health savings account (HSA) contributions to be deducted from state taxes.

Small groups in Iowa can get group insurance coverage as long as they have at least 2 employees. Pre-existing conditions can be excluded for up to 12 months if members have had a 63 day or longer break in coverage over the past 6 months. Small group rates are protected from cost-prohibitive rate increases by the adoption of rate bands.

Iowa Home Insurance

Unless your home has a mortgage or loan attached to it, Iowa home insurance is not required. But that does not mean that Iowa home insurance regulators aren’t working for their citizens. In fact, Iowa recently passed a bill that requires insurance companies to give Iowa homeowners at least 30 days notice before renewing or cancelling their home insurance policy.

Iowa home insurance shoppers should be especially careful about making sure that their tornado coverage is adequate. The state has been hit with 21 major tornado events since 1953.

Iowa Life Insurance

Iowa life insurance customers are protected against the unexpected insolvency and inability to pay claims of their insurance companies by the Iowa Life and Health Insurance Guaranty Association. The association was created in 1987 and has been a welcome addition for the citizens. It offers protection of up to $300,000 for life insurance death benefits and $100,000 in cash surrender values.




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