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.

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.

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.

Is Boat Insurance Legally Required in Iowa?

Owning a boat in Iowa is a great way to enjoy all the state has to offer – wonderful scenic views, good times with friends and family, and many memorable trips around the state. 

If you are able to purchase a boat, what a wonderful accomplishment! The next step is a no-brainer… you need to find a reliable insurance company to sell you a policy that will protect your financial investment, along with any passengers onboard your vessel any time you take it out. 

Aussie Agencies, serving the Knoxville, IA area, are happy to help with your insurance needs. Keep reading for more information on boat insurance. 

More than anything, boat insurance provides peace of mind that anytime you take your boat out on the water, you’re financially covered in the event of an accident. If you store your boat during the off-season, boat insurance can protect it in the event it gets damaged from weather, vandalized, or needs repairs. 

It’s a small price to pay to ensure that your investment is well cared for and will be able to be enjoyed for many years to come. There’s truly nothing better than sailing out into the sunset with your loved ones, and having an adequate boat insurance policy ensures you’ll be doing that for many years to come. 

Boat owners in the Knoxville, IA area should contact Aussie Agencies about their insurance needs. We work alongside you to understand your lifestyle and needs, and we can find a policy that best suits you. Then you can get back to enjoying your time on the water with the people you love most. 

Motorcycle Insurance Options for First-Time Buyers

Aussie Agencies works with many Knoxville, IA, vehicle owners, including people just buying their first motorcycle. If you’re not sure what kind of policy to get, we can help you understand this unique face to get the most out of your experience possible. Here’s what you need to know about your policy. 

Covering Yourself Properly 

When you’re buying a motorcycle insurance policy for your first bike, it is probably best to go a little overboard with your coverage. By that, we mean it is a good idea to make sure you have more than enough, if not a little too much, coverage in case you run into accident problems. 

As a result, you’ll need a minimum of liability coverage that covers the cost of your bike and its repair or replacement. You can talk with your agent to make sure you find this option. However, there are many other options that should work well for you to keep you safe. 

Policy Options to Consider 

  • Bodily Injury Liability – Protect you if you injure anybody and have to pay medical or repair bills.
  • Medical Expenses – Pay for your medical coverage or those of your passengers. 
  • Collision Repair – If your bike is damaged, you can for this policy type to get repairs.
  • Comprehensive Packages – Get compensated if your bike is stolen or damaged by vandals. 
  • Equipment Coverage – Receive compensation for things like damaged jackets, boots, or trailers. 
  • Uninsured/Underinsured Help – Receive money if someone with no or bad insurance affects you. 

Protect Your Bike and Yourself 

If you’re buying your first bike and need an insurance policy you can trust, we at Aussie Agencies can help you. We have years of experience serving the Knoxville, IA, area and feel confident providing skilled and expert opinions that will make your insurance experience smoother.

Who Needs Boat Insurance in Iowa?

Boat ownership in Knoxville, IA is a great way to enjoy time with friends and family during the spring and summer. Iowa residents who own a boat should invest in boat insurance for many reasons, mainly because insurance provides a blanket of security and can save you huge sums of money in the event of an accident or damage to your boat. The team at Aussie Agencies highly recommends boat insurance for any recreational boat owner in the state. 

Although boat insurance isn’t legally required in Iowa, the benefits far outweigh the cost associated with purchasing boat insurance. For example, boat insurance can cover anything from bodily injury in an accident, property damage from an accident, collision insurance, and full coverage (from a natural disaster or unpredictable weather patterns). 

Additionally, if you took out a loan to purchase the boat, your lender may require boat insurance in order to protect the investment they made. 

Boat Insurance Provides a Peace of Mind

While you may never actually need boat insurance, the peace of mind it offers owners it worth the investment. Whether you are in an accident, cause an accident, or are negatively impacted by an accident, boat insurance protects you financially in the majority of these situations. 

The team at Aussie Agencies in Knoxville, IA knows it can be daunting to select the right boat insurance for your vessel. Let the professionals take a hand in providing the boat insurance you need to protect yourself, your family, passengers, and the other people on the water. Accidents happen, natural disasters happen, and the best thing you can do is be prepared for anything.