Home
Protect your home against damage or loss.
Auto
Drive safely, knowing you and passengers are covered.
Umbrella Insurance
Add extra liability coverage over and above another policy.
Renters
Protect yourself and your belongings.
Personal insurance for those in Northeast Iowa
Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
Your home is both a valuable asset and the center of your life, so it’s extra-important to cover every risk with homeowners insurance. Get the right policy and you’ll take care of the small and large risks related to owning a house at the same time to give you peace of mind knowing everything is covered.
When reviewing your home insurance options, consider the following coverages:
- Fire
- Personal Property / Contents
- Property Damage
- Additional Living Expense / Loss of Use
- Jewelry, Fine Arts & Collectibles
- Medical Expenses
- Personal Liability
- Miscellaneous Coverage
- Personal Injury
- Umbrella
- Excess Liability Coverage
- Flood Coverage
- Secondary Home
- Collectible Cars
- Gun Collection
- Water Back-Up
- Off Premises Theft
A car or truck is often your biggest asset aside from your home. Remember, not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states this means your auto insurance will cover the damage you cause to other cars in collisions.
It is so important to sit down and understand the differences in your automobile coverages because it could be catastrophic.
One of the most important policies out there is an umbrella policy. Most commonly, umbrella insurance is something you get in addition to either a car insurance or homeowners insurance policy.
Umbrella insurance is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.
You’d usually get umbrella insurance when your main insurance policy has liability coverage limits that are too low for your needs. Umbrella insurance will only pay out when your main policy has already paid out in full, and it will only pay out the remainder of your costs.
For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000.
The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue. An umbrella insurance policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out.
Talk with us about adding a cost-effective umbrella insurance policy to your account. It’s easy and provides the additional protection needed to protect you and your family.
- As a renter, you don’t need to insure the structure itself, rather your contents instead. Renters insurance allows for coverage on your possessions in the event of a covered peril.
- Replacement Cost coverage: This added coverage allows for belongings to be replaced without the worry of depreciation.
- Personal Property Coverage: valuable possessions like phones and jewelry can be covered as an added coverage as well.
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Contact VanDaele Insurance to put yourself and your family in a financially safe place now, and in the future.