Home insurance provides coverage for the following:

• Your home and other buildings on your property
• The contents of your home; including furniture, clothing, electronics, appliances, and other personal belongings
• Additional living expenses if you have to move out during certain repairs
• Liability coverage for you and your household family members if someone is accidentally injured or their property is damaged.

ADDITIONAL COVERAGES TO CUSTOMIZE YOUR HOME POLICY:

• REPLACEMENT COST CONTENTS: Eliminates depreciation on the contents of your home. (Your personal belongings)
• ADDITIONAL REPLACEMENT COST PROTECTION: Provides additional protection so that in the event of a covered total loss, your policy will protect you if you need more to rebuild your home. Even if the costs are higher than your policy’s basic coverage limits.
• WATER BACK-UP OF SEWERS OR DRAINS: Provides coverage caused by water which backs up through sewers or drains. (This is the most needed additional coverage)
• IDENTITY THEFT PROTECTION: Provides you with access to a consumer fraud specialist who can guide you through the process of reclaiming your identity, and reimburses you for the expenses associated with clearing your name and financial record.
• SCHEDULED PERSONAL PROPERTY: This is additional coverage for people who own valuable possessions and need broader coverage than a basic policy. (Such as jewelry, silverware, furs, computers, guns, cameras, musical instruments, china, crystal, etc…) Scheduled property does not have a deductible.

DISCOUNTS AVAILABLE WITH HOME POLICIES:

Renter’s Insurance 

Your possessions are worth a lot to you. So when you rent an apartment or house, you need insurance that covers your belongings in case of an unfortunate event.

Renter’s insurance can give you the protection you need at a price that you can afford. To give you the maximum in flexibility and affordability, we provide solid, basic coverage that lets you add more options if you need them.

Renter’s insurance covers:

• Furniture
• Clothing
• Appliances
• Many personal belongings
• Some improvements you’ve made to the rental unit
• Covered items you take while traveling
• Additional living expenses if you have to move out during repairs
• Personal liability coverage provides protection if someone is accidentally injured while in your home, or their property is damaged and the damage is caused by:
  • You, your children or your pets
  • Your personal activities, including most sports
• Your policy can also cover you:
  • For costs associated with defending in a lawsuit related to an injury or property damage
  • If you’re held legally responsible for fire damage to your apartment, to the building where you live, or vacation property you rent
  • If  your credit cards, ATM cards, or checks are stolen or used without your permission

DISCOUNTS AVAILABLE WITH RENTER’S POLICIES:

• LIABILITY INSURANCE: Protects you and your family against claims for bodily injury or property damage caused by an auto accident in which you or your covered family members are considered
  responsible (or at-fault).
• UNINSURED MOTORIST: Provides bodily injury coverage for accidents caused by a hit-and-run driver or uninsured driver, which occur when you or your family members are driving a covered vehicle, or while you are a pedestrian.
• UNDERINSURED MOTORIST: Pays for damages you are legally entitled to recover from another party, when that person’s insurance is not adequate enough to cover your loss.
• MEDICAL EXPENSES: Pays medical expenses for you or members of your family if you
  are injured in an auto accident or as a pedestrian struck by a vehicle. This protection also covers others who are injured while riding in your vehicle.
• FULL COVERAGE: Auto insurance that is a combination of liability insurance, as well as comprehensive and collision coverage. Full coverage insurance is subject to a deductible.
• COLLISION COVERAGE: Protects you from losses resulting from damage to your auto due
  to collision with another object.
• COMPREHENSIVE COVERAGE: Pays for other losses to your auto, including losses caused by fire, theft, glass breakage, falling objects, natural disasters, vandalism, and other causes of loss.

ADDITIONAL COVERAGES TO CUSTOMIZE YOUR AUTO POLICY:

• RENTAL REIMBURSEMENT: Covers the expense of a rental car while your vehicle is being repaired as a result of a covered loss, up to the limits of your policy.
• TOWING AND LABOR: Provides towing service for a disabled vehicle.
• AUTO LOAN / LEASE COVERAGE (GAP):
  In a total loss, when you have an active auto loan or lease, this coverage pays the difference between the car’s actual cash value and the amount owed to the insured’s leasing company or lender.

DISCOUNTS AVAILABLE WITH AUTO POLICIES:

Advantage Clive is your Des Moines Insurance agency serving Des Moines and all of Iowa’s insurance needs.

Benefits of having adequate life insurance coverage:

NOTE: Portions of the above information have been graciously provided by The Insurance Institute

Business Owner Policies typically provide coverage for:

• BUILDINGS AND CONTENTS OWNED BY THE COMPANY:  There are two different forms, standard and special, which provides more comprehensive coverage.
• BUSINESS INTERRUPTION INSURANCE:  Covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
• LIABILITY INSURANCE: Covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

Business owner policies do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You will need separate insurance policies to cover these subjects.

Motorcycle insurance provides coverage for your specific needs, with policy options including:

• Liability, comprehensive and collision
• Accessory coverage
• Coverage for safety riding apparel, like helmets
• Uninsured/underinsured motorists
• Medical payments
• 24-hour roadside assistance
• Accessory coverage
• Transport trailer coverage
• Medical payments
• 24 hour road-side assistance
• Trip interruption coverage
• Cycle rental coverage

We offer boat insurance for almost any kind of boat, including fishing boats, runabouts, personal watercraft, and boats up to 50 feet in length and $250,000 in value (varies by state).

Boat insurance provides coverage for specific needs, with policy options including:

• Agreed Value- protects your investment in your boat without the worry of depreciation for total loss
• Disappearing Deductibles
• Fishing Equipment Replacement Cost
• Personal Effects Replacement Cost
• 24-hour Roadside Assistance
• On-water Towing
• Wreckage Removal Coverage
• Fuel Spill Liability
• Medical Payments Coverage – including water skiers

DISCOUNTS AVAILABLE WITH BOAT POLICIES:

• Multi-policy (auto, umbrella, etc.)