How can boat insurance protect my Iowa watercraft?

Owning a boat is a dream for many people in the Knoxville, IA area. When you are a boat owner, it’s smart to have the right insurance. Insurance is a good idea for everyone on the water, as it offers various forms of coverage for your watercraft. 

Ensure Asset is Covered

One of the ways you can be supported with boat insurance is by having coverage for your watercraft. If you decide to buy a boat, you will undoubtedly want to know that your watercraft is protected against various risks. One of the most effective ways to do this is by getting a boat insurance policy, which will give coverage to replace or repair your boat if you incur certain losses. It will also help with fuel spills and other issues on and off the water.

Reduce Your Liability Risks

Your boat insurance plan can help to reduce your liability risks. If you are going to use a boat, it is important to ensure you are protected against risks with other boaters. If you happen to cause damage during a collision, you will need to pay restitution to the other party. You can get the support needed to offset this risk with a boat insurance plan. 

If you buy a boat and live in the Knoxville, IA area, get the right insurance for it. Once you are ready to start shopping for coverage, calling the team at Aussie Agencies is a great place to start. There are a lot of choices to make when evaluating your coverage options, and Aussie Agencies will provide the support you need to build your next plan to ensure your boat is covered. 

What doesn’t life insurance cover?

Though life insurance from Aussie Agencies provides many benefits, there are certain things life insurance doesn’t cover. It’s important to be aware of these exclusions to purchase the right type and coverage for your needs. 

Drugs and Alcohol-Related Deaths

One of the most common exclusions in life insurance policies is death caused by drugs or alcohol. If an autopsy reveals that alcohol or drugs played a role in your death, your beneficiaries will likely not receive any benefits from your policy. 

Accidental Deaths 

Though you might think that accidental deaths would be covered by life insurance, this isn’t always the case. Some policies exclude death by accident if it’s determined that the accident was caused by drunk driving or other risky behaviors. It’s important to check your policy carefully to see if accidental deaths are covered and, if so, what conditions apply. 

Suicide 

In Iowa, suicide is excluded from life insurance coverage during the first two years after a policy is purchased. After that period has passed, suicide is usually covered, but benefits may be reduced by 50%. 

Contact Aussie Agencies Today

These are just a few things life insurance doesn’t cover. It’s important to read your policy carefully to understand what is and isn’t covered.   Everyone should have life insurance to financially protect their loved ones in case of an untimely death. However, it’s important to understand what life insurance does and doesn’t cover so that you can purchase the right type and amount of coverage for your needs. If you are near Knoxville, IA, please contact us today, and we can answer any questions you have.

Getting Your Vehicle Ready for Cold Weather

Believe it or not, it’s time to consider the outdoor temperatures are dropping and get your vehicle ready for cold weather. Here are some tips and a checklist, courtesy of Aussie Agencies serving Knoxville, IA.

Check your tires

It would help if you had stable tires in excellent condition to navigate wintry weather. So make sure you replace your tires if necessary before winter arrives. Also, get snow tires and tire chains installed if necessary. And make sure your tires are properly inflated all winter long.

Check your brakes

Get your brakes checked too, and have any necessary parts replaced before winter begins. Your brakes affect the safety of your vehicle during winter.

Check your windshield wipers.

Your visibility is essential to your safety and that of people in vehicles on the road around you. With that in mind, make sure your windshield wipers are in excellent condition and replace them before cold weather arrives if necessary. Also, ensure your windshield wiper fluid is topped off, and keep plenty of extra fluid in your vehicle at all times.

Check your battery

You do not want your battery to drain or fail during cold and wintry weather. Ensure your battery is in excellent condition; if not, replace it before winter arrives. Also, keep jumper cables on hand in your vehicle at all times.

Consider antifreeze and other equipment.

You might want to keep antifreeze and other supplies on hand as you prepare for winter. The more winter-related equipment you have to prepare yourself and your vehicle, the better.

With these tips in mind, you will be better prepared for the inevitable cold and wintry weather. For more information about winter driving safety and auto insurance, contact Aussie Agencies serving Knoxville, IA.

The Basics of Protecting Your Business Premises

Brick-and-mortar businesses are not protected by technology like firewalls or two-stage authentication passwords. It would help if you had physical security that you could see and touch. In addition to having adequate insurance coverage from Aussie Agencies, serving Knoxville, IA, and beyond, ensure your company’s security by reviewing these fundamentals for protecting your commercial property.

Entry Buzzer System

Consider installing a buzzer-entry system. Until a worker hits a release button inside your business, this electrical system keeps your front door locked shut. The store visitor is alerted by a buzzer that the lock has been unlocked, allowing them entry. When a customer requests access to the store via a buzzer, your employee can physically inspect them to ensure they are sincere in their intentions.

Surveillance Equipment

Business surveillance cameras are readily accessible and reasonably priced at various price points. These types of cameras safeguard your company by deterring would-be shoplifters. They also aid the police in locating stolen goods and identifying thieves. In case of an insurance claim for your commercial property, surveillance camera footage can also be utilized in court to support your case and assist you in winning.

Install a Safe

Store safes protect valuable goods and extra cash from criminals who can demand that cashiers empty cash register tills. Safes at stores can be programmed to only open during specific hours of the working day. If your cashier regularly transfers money into a safe store using a secure mechanism, any criminals who break into your establishment will only be able to take a small amount of money. Safes at stores can also be programmed to only open during specific hours of the working day.

Security Alarm

It is simple to install a security alarm system covertly in your place of business, preventing thieves from learning that the police have been called. Near the cash register, a discrete button is typically under the counter. When the quiet button is touched, the neighborhood police station is informed that you require their assistance at your place of business.

Installing these security checkpoints at your company will help to protect you, your staff, and your company’s assets from criminals. For assistance with your commercial insurance needs in and around Knoxville, IA, contact Aussie Agencies.

Home Maintenance Tasks to Complete in Summer to Get Your Home Ready for the Winter Months

Here at Aussie Agencies, we help the greater Knoxville, IA area get the insurance products they need, such as home insurance. Home insurance can help cover certain types of damage to your home. However, insurance does not cover damage caused by homeowners’ neglect. As such, you need to maintain your home properly. Here are a few important tasks to complete in the summer months to prepare your home for winter. 

Get Your Roof Inspected and Repaired

You should have your residential roof inspected at least once a year. Getting it inspected during the summer months gives you time to get any repairs that may need to be completed before rain and snow starts to fall. 

Trim Your Trees Back

Another task that you should complete before winter is trimming your trees back. You always want to cut off dead growth and dead limbs, so a storm does not knock those limbs onto your home, car, or even a person below. 

Tend to Your Home’s Heating Appliance

It would help if you always tended to your home’s heating appliance during the summer. If you need to fill a propane or oil tank, do that before the winter. If you have a gas or electric heating unit, have it cleaned and inspected before winter. 

Prepare Your Fireplace

Lastly, take the time to get your fireplace ready for winter. Clean out your fireplace and have the chimney cleaned and inspected. This ensures it is functioning correctly and ready to go when you use it for the first time this winter. 

Completing these tasks during the summer can help ensure your home is ready to go in the winter. Now is also a great time to think about shopping around for a homeowner’s insurance policy. At Aussie Agencies, serving the Knoxville, IA area, we can help you find the right policy for your needs. Reach out to us today to get started. 

Can a Security System Reduce Your Home Insurance Premium in Knoxville, IA?

Home security systems are a great way to protect your home and family. Installing a security system can provide peace of mind and may also qualify you for a discount on your home insurance premium. You need to know how security systems affect your home insurance in Knoxville, IA.

Save Money and Protect Your Home Better

Most home insurance companies offer a discount for homes with a security system installed. The value is usually around 10-20% of your premium. Some insurers may even give you a higher discount if your system meets specific criteria, such as having a central monitoring station or being professionally installed.

Installing a home security system can also help you save money in other ways. For example, if your design includes a fire alarm, you may be eligible for a discount on your homeowner’s insurance policy. And if your security system deters burglars and helps protect your belongings, you could save money on your deductibles and other out-of-pocket costs in a break-in.

Your Aussie Agencies representative can help you determine if installing a home security system makes sense for you and your family.

Consider Your Insurance Needs When Shopping for a Security System

When shopping for a home security system, it’s essential to consider your insurance needs. Some insurance companies may require that you have a professionally installed system to qualify for a discount. Others may not give a deal if you have a do-it-yourself (DIY) system.

If you’re unsure what your insurance company’s requirements are, contact them and ask about their policy on home security systems. You should also find out if your insurer has any recommendations on security system providers.

Once you know what type of system you need, you can start shopping around. Your Aussie Agencies representative can help you learn more about the different discounts available for your Knoxville, IA policy.

Classic Car Insurance vs. Standard Car Insurance: What’s the Difference?

If you have a classic car, you probably take good care of it. Maybe you restored it, or perhaps you bought it from someone who had already done that work. Either way, you want to make sure the vehicle is protected. A big part of that is having classic car insurance. At Aussie Agencies, we want to help anyone in the Knoxville, IA area who has a classic car get the right policy to protect their vehicle and add to their peace of mind. The right insurance coverage can add to peace of mind.

One of the most important things to know about insurance for a classic car, is that it isn’t the same as insurance for a more standard vehicle. Instead, it’s specific to classic vehicles. This is because a classic car isn’t like a newer model. Classic vehicles have parts that can’t be purchased anymore, and working on them often takes a specialized skill set. Some people are fine with aftermarket parts, and others want something that is all original. Sometimes, that’s not even possible.

But no matter what kind of classic vehicle you have, making sure you have the right classic car insurance policy can protect you and your assets if something should happen to the car. If you’re in the Knoxville, IA area and have a classic car, our knowledgeable agents can help you find the policy that will meet your needs.

Reach out to us today at Aussie Agencies, and let’s talk about your classic vehicle. Whether you already have coverage and are looking to make changes, or you just got the car and need to get a quote, we’re here to help you find the best insurance policy for your specific situation.

Why all renters should have renters insurance

While homeowners are mandated by the mortgage holder of their home to have insurance, many landlords don’t require renters insurance. This leads some to believe that they are insured, which isn’t the case. About 60% of renters are uninsured. At Aussie Agencies in Knoxville, IA,  we try to make sure that our customers have all the information they need to make informed decisions about their insurance and what they should have.

Renters’ insurance offers some significant types of coverage. It protects your assets with personal liability insurance, covers your possessions with content coverage, and helps keep a roof over your head with loss of use coverage. 

Personal liability insurance

Getting sued is a reality of life in the world these days. If someone is injured while visiting your home or by a family member away from home, you are vulnerable to legal action. If you don’t have renters insurance, you will need to pay for any judgment and the legal expenses with your savings. If you don’t have enough savings, your future earnings may be attached. 

Contents

This coverage will replace the things you use every day in your life, like your clothing, furniture, electronics, and appliances. You own many more things than you realize, and it isn’t until you have lost them that you realize how much you count on them. 

Loss of use

If there was a covered hazard in your rental, even if it isn’t in your unit, it’s possible there would be too much damage for you to live there. You will need help to find a new temporary place to stay while your place is repaired. It can also help pay for some meals if you don’t have a place to cook.

Contact Aussie Agencies in Knoxville, IA for all your insurance needs. We can help you with renters insurance. 

RV Insurance Myths Exposed

Aussie Agencies is an independent agency. We work with multiple carriers throughout Knoxville, IA, and other parts of the Midwest. This allows us to offer our clients flexible policies that align with their individual needs. We will consult with you and help you assess your personal situation. We are confident that we will help you obtain the coverage you need to protect your future.

RV Insurance Myths Exposed

Many residents enjoy spending time in their RV and exploring new adventures. If you are planning your next vacation in your RV, insurance provides a safety net. RV insurance covers your vehicle in multiple ways. Liability coverage is important. Liability coverage protects your vehicle if you accidentally damage someone’s property. Operating an RV comes with inherent risks. Accidents can occur at any moment. If you make a mistake, liability coverage will protect you. Liability coverage also protects you if someone gets injured on your RV. Comprehensive coverage protects your RV if you’re planning on going camping. You’re protected if your RV is stolen or damaged due to a natural disaster or fire. While looking over your policy, be aware of these common RV insurance myths.

Coverage Isn’t Necessary.

Many RV owners believe that coverage isn’t necessary. They mistakenly believe their RV is covered through their home or auto insurance policy. You only have minimal coverage through your home and auto insurance policies. For example, your home insurance only covers your RV if something happens while parked outside your home. If you plan on traveling out of Knoxville, IA, you need a separate policy.

My Accessories Are Automatically Covered

This is incorrect. While your personal items on the RV are covered, any accessories that you add to your RV are not automatically covered unless you amend your insurance policy.

Aussie Agencies Will Help You Cover Your Assets

Contact our office to learn more information on RV insurance.

4 Benefits of Motorcycle Insurance

There are many benefits of owning a motorcycle in Knoxville, IA. From enjoying cheaper gas to ease of commute, there are plenty of reasons to invest in a two-wheeler. Plus, if you enjoy the adrenaline rush on the road, there is no better way to satisfy your hunger on the road than using a bike. While your two-wheeler is of great service to you, have you thought about motorcycle insurance from Aussie Agencies? Investing in motorcycle insurance has numerous benefits. Let’s look at some.

Medical protection

Unlike a vehicle, a minor accident when using a bike can result in significant injuries. Although you may have health insurance, you need MedPay or PIP to cover out-of-pocket expenses not covered by health insurance. We are talking about deductibles, co-pays, and other costs excluded from your health insurance plan.

Also, MedPay or PIP has benefits not covered by health insurance. For instance, your medical coverage can cover partial loss of wages and final expenses.

Personalization

Motorcycle insurance isn’t a one-size-fits-all coverage. It can be customized to fit your unique needs. Motorcycle insurance has numerous coverage options — you only choose those that fit your lifestyle, budget, and other unique needs.

Liability protection

If there is anything that can mess up your finances, it’s liability claims. One moment of madness on the road can cost your assets and future income. Luckily, if you have motorcycle insurance, it pays for bodily injury and property damage when accused by third parties. It also covers you when sued.

Protects your asset

As mentioned, your bike means a lot to you, and protecting it with insurance is an excellent idea. Motorcycle insurance pays for bike damages and even replaces your two-wheeler if totaled or stolen.

As you can see, there are many benefits of investing in motorcycle insurance in Knoxville, IA. Ready to take the plunge? If yes, please contact Aussie Agencies for an affordable quote.