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Protect Your Iowa Home from Water Damage with Detection Systems

Wed, 18 Mar 2026 19:18:52 GMT

Owning a home in Eastern Iowa—whether in Cedar Rapids, Iowa City, or the surrounding Corridor—comes with a lot of pride. It also comes with responsibility, especially when it comes to protecting your home from one of the most common (and costly) risks: water damage.

From frozen pipes in the winter to heavy spring rains and sump pump failures, Iowa homeowners face risks year-round. And the reality is, water damage can happen quickly—often before you even realize there’s a problem.

The good news? Today’s water detection and monitoring systems can help catch issues early—or even stop them before major damage happens.

Why Water Damage Is a Bigger Risk in Iowa

Living in Iowa means dealing with constant seasonal changes:

Freezing temps that can lead to burst pipes
Heavy rain and snowmelt that increase flooding risk
Temperature swings that put stress on plumbing systems

Even small leaks can go unnoticed and lead to costly repairs, making early detection especially important.

What Are Water Detection Systems?

Water detection systems act as an early warning system for your home. They monitor for leaks, unusual water flow, or moisture—and alert you right away so you can take action before damage spreads.

Types of Water Detection Systems

Leak Detectors (Point Sensors)

Placed near high-risk areas like sinks, water heaters, or washing machines, these devices alert you when water is detected.

Smart Water Monitoring Systems

Installed on your main water line, these systems track usage and can identify unusual activity that may signal a hidden leak.

Automatic Shutoff Systems

The most advanced option—these systems can automatically turn off your water if a leak is detected, helping prevent major damage.

Why These Systems Matter in Eastern Iowa Homes

Homes in Cedar Rapids, Iowa City, and surrounding areas often have finished basements, sump pumps, and aging plumbing—all of which increase the risk of water issues.

A detection system can:

Prevent major damage
Reduce repair costs
Protect your home and belongings
Provide peace of mind during storms or cold snaps

Additional Ways to Prevent Water Damage

Along with installing a system, Iowa homeowners should:

Check pipes and appliances regularly
Watch for signs like stains or musty smells
Maintain sump pumps and drainage systems
Winterize plumbing before freezing temperatures

How Insurance Fits In

Detection systems help prevent damage—but they don’t replace insurance. A strong homeowners policy can help cover sudden water damage and repairs, and in some cases, added protection measures may even help reduce risk.

Final Thoughts

In Iowa, where weather can shift quickly, protecting your home starts with preparation. Water detection systems offer early alerts, faster response times, and added peace of mind—helping you stay ahead of costly damage.

Want to make sure your home is fully protected?
Connect with a Skogman Insurance agent to review your coverage and explore options that fit your home and your needs.

Why Classic Cars Need Collision Insurance

Fri, 06 Mar 2026 19:32:59 GMT

Classic cars are worth a lot of money, usually considerably more than the average set of wheels. They require from their owners significant investments of both commitment and monetary value. They are also very hard to repair or replace once they sustain damage. That’s why to most classic car owners, the thought of having a wreck is anathema.

Still, you cannot predict the future, and you never know when you might have an accident while out in your vintage set of wheels. But to be prepared for any eventuality, you can have collision insurance added to your classic auto insurance policy. This is an important benefit that you should never consider going without as long as a classic car represents value to you. Let’s take a closer look at how collision insurance works.

What is collision insurance ?

All vehicles face accident risks; that’s just part of driving. Collisions are one of the leading causes, nationwide, of both vehicle damage and subsequent auto insurance claims. Whether you back into a building or hit another car in your classic automobile, the damage to your own car could be a very challenging and scary loss to face.

The added risk of wrecking a classic car is that these vehicles are often much harder to repair or restore. Both the vehicle as a whole and each of its individual parts are no longer top-of-the-line technology, and the parts necessary to fix them often are no longer made. This isn’t a vehicle that you can take to your average collision center. It will usually require specialized and often more expensive repairs.

However, if you have collision insurance as part of your classic auto plan, then you will be able to file a claim against your policy for your losses. With the help of your policy, you will be able to significantly reduce your own cost burden for the ramifications of an accident.

How will it pay me for vehicle damage?

The terms within your classic auto plan’s collision coverage will work to minimize your personal expenses following an accident. However, there are some special terms and limits attached:

Most classic auto plans pay based on an agreed value of the vehicle. This is not equal to the cash value coverage offered by most standard auto plans, which factors in the vehicle’s depreciation.
You generally have the option to adjust the agreed value coverage limit on your plan as your vehicle’s value changes over time.
Plans will cover the specialized repair often required for classic cars.
Most plans offer coverage to help you replace the custom, rare or specialty parts of these vehicles, which is part of the overall restoration process.

Keep in mind, however, that collision insurance is not the only component of a classic auto policy. You must carry all coverage required by your state of residence, and you should also carry comprehensive insurance, which will pay for vehicle damage that arises from hazards other than collisions. Your agent is here to help you find that solution.

Skogman Insurance Announces Acquisition of Amana Insurance Agency

Tue, 03 Feb 2026 21:44:00 GMT

Skogman Insurance is excited to share some great news with our clients and community. Effective February 1, Skogman Insurance has officially acquired the Amana Insurance Agency, a trusted local agency serving the Amana area for years.

Located in Amana, Iowa, the Amana Insurance Agency provides personal and commercial insurance coverage through a strong network of national carriers. As part of this acquisition, Skogman Insurance will retain the Amana Insurance Agency name, office location, and local team, ensuring continuity and preserving the strong relationships Amana clients value most.

A Natural Fit Rooted in Local Service

“We are excited to have the Amana Agency join Skogman Insurance,” said Hunter Skogman, President of Skogman Insurance. “Amana Insurance has an outstanding and experienced staff dedicated to serving the needs of businesses and individuals in the Amana area. As two locally owned companies that share the same mission and commitment to great customer service, this partnership is a natural fit.”

At Skogman Insurance, we believe insurance works best when it’s personal. Our agent-driven, hometown approach aligns seamlessly with the way Amana Insurance has served its clients — with care, accountability, and a true commitment to the community.

What This Means for Amana Insurance Clients

For Amana Insurance clients, the transition will be seamless. You’ll continue working with the same local agents you know and trust, now supported by expanded resources and additional carrier options through Skogman Insurance.

This partnership means:

More carrier choices
Expanded resources and support
Continued one-on-one service with a dedicated agent
A broader network backing your coverage decisions

Most importantly, clients will continue to have a real person advocating for them, now with even greater tools and capabilities behind the scenes.

About Skogman Insurance

Founded in 1965, Skogman Insurance is a locally owned, independent insurance agency serving individuals, families, and businesses throughout Iowa. With more than 300 years of combined insurance experience, our team delivers customized personal, commercial, and specialty insurance solutions through partnerships with top-rated national and regional carriers.

Known for our agent-driven approach and long-term client relationships, Skogman Insurance is committed to providing trusted guidance, competitive coverage options, and personalized support — because when it comes to insurance, you should always have a person.

Is Your Commercial Property Insurance Really Protecting Your Business?

Thu, 08 Jan 2026 22:32:59 GMT

When business owners think about commercial property insurance, they often assume it only covers the building they own. While that’s an important piece, it’s far from the whole picture.

A well-designed commercial property policy can help protect far more than just your physical space—it may also cover the tools, systems, and information your business relies on every day. From equipment and inventory to documents, accounts, and even certain electronic data, the right coverage plays a critical role in keeping your business running when the unexpected happens.

So the question is: do you have the right protection in place?

Why Commercial Property Insurance Matters More Than You Think

Imagine a fire or major loss disrupts your office. Beyond repairing the damage, you’re suddenly facing lost equipment, damaged records, and interrupted operations. Replacing physical assets is one challenge—but rebuilding systems, restoring data, and managing downtime can be just as costly.

That’s where comprehensive commercial property insurance comes in. Depending on your policy, coverage may help with:

Repairing or replacing damaged equipment and physical assets
Restoring systems and records impacted by a covered loss
Offsetting financial strain while your business gets back up and running

For many businesses, this protection can be the difference between a temporary setback and a prolonged shutdown.

Is Your Coverage Enough?

Not all commercial property policies are created equal. If your business relies on specialized equipment, digital systems, or stored records, it’s important to review your coverage regularly.

A strong policy should:

Reflect the full value of your business assets—physical and operational
Include coverage limits that align with real replacement and recovery costs
Consider business interruption coverage to help reduce lost income during downtime

Working with a knowledgeable, local agent ensures your coverage keeps pace as your business grows and changes.

Peace of Mind Starts With the Right Partner

The right commercial property insurance doesn’t just protect your building—it helps protect your livelihood. Taking time to review or update your policy now can help ensure your business is prepared for whatever comes next.

Skogman Insurance is here to help you understand your options and build coverage you can count on. Call 319-366-6288 to talk with a local agent about protecting your business with confidence.

Winter Weather Risks Every Homeowner Should Know — And How to Protect Your Property

Thu, 11 Dec 2025 22:34:10 GMT

Iowa winters are no joke. Extreme cold, snow, and ice can create real risks for your home—often when you least expect it. While winter weather is inevitable, many of the most common (and costly) cold-weather insurance claims can be prevented with the right awareness and preparation.

Here are the top winter hazards we see each year at Skogman Insurance, what causes them, and how you can protect your home.

1. Frozen & Burst Pipes

When temperatures drop, water inside pipes begins to freeze and expand. This expansion can rupture water lines behind walls, under sinks, or in basements.

The damage can be massive:

A single burst pipe can release hundreds of gallons of water per day — or even per minute, causing severe flooding, mold growth, electrical hazards, and long-term structural issues.

Prevention Tips:

Insulate exposed pipes and areas with poor heat circulation.
Allow faucets to drip during extreme cold.
Keep cabinet doors open to let warm air circulate around plumbing.
Maintain consistent indoor temperatures.

2. Roof Stress & Ice Damming

Ice dams form when heat escapes through the roof, melting snow that then refreezes at the edges. This forces water backward under shingles, soaking insulation, drywall, and interior finishes.

Heavy snow and ice also add dangerous weight to roofs—especially flat or older roofing systems—increasing the risk of structural failure.

Prevention Tips:

Remove excess snow from roofs when safe.
Improve attic insulation and ventilation.
Clear gutters so melting snow can drain properly.

3. HVAC System Strain or Failure

During extreme cold spells, heating systems work overtime. That continuous strain increases the chance of mechanical breakdowns. If the heat goes out, temperatures inside can drop rapidly enough to freeze pipes and damage sensitive systems.

Prevention Tips:

Schedule routine furnace maintenance.
Replace filters regularly.
Install or test backup heat sources or smart thermostats.

4. Sprinkler System Freeze-Ups

Fire suppression systems are critical—but they’re also vulnerable. When sprinkler lines freeze, they can burst just like any plumbing line, causing water damage and taking your fire protection offline.

Prevention Tips:

Ensure sprinkler piping is properly insulated.
Keep areas around suppression systems heated.
Schedule routine inspections to identify weak points.

5. Wind-Driven Ice Damage

Strong winter winds can drive ice and snow into siding, facades, gutters, signage, outdoor HVAC units, and building exteriors. This can create cracks, dents, blockages, and hidden water intrusion that may not show up until spring.

Prevention Tips:

Inspect exterior surfaces before and after storms.
Reinforce loose gutters, siding, or trim.
Watch for ice buildup around roof edges and vents.

6. Skids, Slips & Falls

Winter weather significantly increases the risk of:

Motor vehicle accidents
Driveway and property damage
Slip-and-fall injuries at homes or businesses
Workers’ Compensation and Homeowners' claims

Icy surfaces are a major liability, especially for property owners responsible for sidewalks, steps, and parking areas.

Prevention Tips:

Shovel and de-ice promptly.
Use proper lighting to improve visibility.
Place warning signs in high-traffic commercial areas.

7. Wood & Pellet Stove Hazards

When temperatures plunge, many households rely on wood or pellet stoves. But extreme cold brings added risks:

Rapid exhaust cooling increases creosote buildup, raising the chance of chimney fires.
Poor draft can cause smoke to back up into the home.
Frozen or restricted air intakes reduce combustion efficiency and can lead to shutdowns or dangerous exhaust blockages.

Prevention Tips:

Clean chimneys and vents before the cold season.
Check air intake pathways frequently.
Install carbon monoxide detectors and test them regularly.

Stay Protected This Winter with Skogman Insurance

Winter weather can be unpredictable—but your coverage shouldn’t be. Our team is here to help you understand your policy, identify gaps, and make sure you’re protected from the most common cold-weather claims.

Have questions about your winter coverage?

Or want to review your Homeowners, Auto, or Business policy?

Contact your Skogman Insurance agent today!

What Does General Liability Insurance Cover?

Mon, 22 Sep 2025 14:30:06 GMT

Though businesses often require different types of insurance depending on industry risks, every single business can benefit from general liability insurance. This type of coverage offers valuable financial protection to your business, as well as to your customers. In particular, this coverage can protect against the resulting expenses if your business is held responsible for injuring a third party or damaging their property. Essentially, it can save everyone involved in a covered incident from large out-of-pocket costs.

What exactly is covered by general liability insurance? These incidents involve damages sustained by third parties that stem from your business and employees. Let’s look at a few examples of incidents that could be covered by general liability insurance.

A customer enters your store, happy to be out of the rain for some shopping. She doesn’t see a puddle near the entrance and slips and falls on the tile floor, breaking a leg on her way down. She must get medical attention and miss a few weeks of work while she recovers. Since it’s the responsibility of your business to clearly mark hazards and promptly clean them, this customer can make a claim against you to recover her lost expenses and income.
A delivery man enters your business with a parcel and is surprised to see clutter everywhere. He accidentally knocks a stack of junk with his toe, which causes a heavy object to fall on top of him. Again, his injuries can be attributed to your business since it’s your responsibility to maintain a safe, tidy workplace.
An employee is painting the exterior of your store’s windows for the season and a metal cart full of supplies accidentally drifts away because the wheels weren’t properly locked. Before the employee can catch it, the cart slams into a customer’s car, leaving a huge dent and a broken tail light. This too would fall under the responsibility of your business.

Even though your business takes safety precautions, accidents can happen at any time. And if a customer or other third party suffers an injury or property damage at the hands of your business, general liability insurance can provide the necessary financial support to get through the incident.

At Skogman Insurance, we make insurance personal. You have a person on your side who understands your business and helps you choose coverage that truly fits your needs.

Call us today at 319-366-6288 to learn more about business insurance and how we can protect what matters most to you.

How to Prepare for a Power Outage

Fri, 19 Sep 2025 14:48:49 GMT

The fall and winter seasons often bring storms that can cause tree limbs to fall onto power lines. Sometimes the extent of the damage is severe enough to cause power outages that last for days. Getting through these require advanced preparation on the homeowner's part. The following tips will help you ride out a power outage.

Flashlights and Spare Batteries
When the power goes out after the sun sets, the very first requirement is being able to see. There should be plenty of flashlights strategically located throughout the house in easily located places. Select these locations and don't change them because there won't be enough light to hunt around for them after losing power. Keep a plentiful supply of spare batteries in case the power outage lasts for several days.

Battery Operated Phone
Make sure to have a phone that is battery powered so that you can communicate with the outside world. This is important should an emergency occur that requires outside help.

Cooler
Keep an insulated cooler for storage of food that can spoil. A supply of ice in your freezer can be used to keep the contents in the cooler at a low temperature. A refrigerator can keep its contents cold for a number of hours, provided the door is never opened. However, this presents a problem when you get hungry.

Leave a Light Switch On
This will alert you when the power has returned.

Keep Your Power Generator Outside
Placing it in an enclosed area like the garage can result in dangerous levels of carbon monoxide buildup, which may find its way into your home.

Keep a Supply of Water
Depending on your situation, a power outage can mean no running water. This is certainly true if your water comes from a well. Each person will require one gallon of water per day.

Food Supply
Keep a food supply that will last for a few days. The food should not require cooking or refrigeration. Keep a manual can opener handy.

Candles
Power outages that last for days can use up flashlight batteries before the power returns. When you require ambient lighting for the rooms in your home, some types of candles can last for many hours, which allows you to conserve your batteries when you don't know how long you will be without power. The candles should rest on a sturdy, level surface and be used away from flammable items.

Protect your family. Call Skogman Insurance at 319-366-6288 for more information on home insurance.

Business Insurance Policies for Individuals: Why You Need One and What They Cover

Fri, 05 Sep 2025 18:09:47 GMT

More Americans are working for themselves than ever before. According to a 2023 report from MBO Partners, more than 64 million people are classified as independent contractors, freelancers, or self-employed—and that number is expected to keep growing. From the flexibility of setting your own hours to the ability to work anywhere, self-employment comes with incredible freedom. But it also comes with risk.

One of the most important safeguards you can put in place is business insurance.

Who Needs Business Insurance?

It isn’t just store owners or those with large inventories who need coverage. So do:

Freelance writers and designers – at risk of copyright or defamation claims
Photographers and videographers – protecting expensive equipment and potential liability issues
IT consultants and web developers – vulnerable to errors, data breaches, or client disputes
Repair professionals and contractors – needing protection in case of property damage or accidents on the job

Even if you’re a one-person business, your livelihood could be at risk without the right protection. Business insurance not only covers liability but can also help replace stolen equipment, cover interruptions to your work, and protect your reputation.

Types of Coverage to Consider

Liability Insurance

Protects you from lawsuits or claims filed against you by third parties. This includes physical injuries (like someone tripping at your office) and non-physical harm (such as an error in your work). Many self-employed professionals benefit from specialized coverage such as:

Errors and Omissions Insurance (E&O): Covers mistakes or oversights in your professional services.
Commercial Auto Coverage: Protects vehicles you use for business purposes.

Property Insurance

Covers damage or theft of the equipment you depend on every day—cameras, laptops, tools, servers, or even the space you work in. Additional riders may include:

Business Interruption Insurance: Helps replace lost income if a disaster or fire prevents you from working.
Inland Marine Coverage: Protects business property when it’s offsite or in transit.

Peace of Mind for Every Business Owner

The beauty of business insurance is its flexibility—it can be tailored to your industry, income level, and goals. With the right policy in place, you can spend less time worrying about “what if” and more time growing your business.

At Skogman Insurance, we’ll help you find coverage that fits your unique needs. Because when you’re self-employed, you don’t just need a policy—you need a person who understands your business and cares about your success.

Ready to protect your business? Call Skogman Insurance today at 319-366-6288 to learn more.

5 Years After the Derecho: What it Means for Your Insurance

Fri, 08 Aug 2025 15:20:36 GMT

August 10th marks five years since the devastating derecho tore through Iowa, leaving a lasting mark on the Cedar Rapids area and beyond. With hurricane-force winds, widespread power outages, and billions of dollars in damages, the 2020 storm was a wake-up call—not just for emergency preparedness, but for how we protect our homes, families, and financial well-being through insurance.

As we reflect on that day and the years that followed, it’s clear: insurance matters more than ever.

What the Derecho Taught Us

1. Damage Can Be Unexpected and Widespread

Unlike a tornado or hailstorm with a narrower impact, the derecho caused damage over hundreds of miles. Thousands of homes and businesses experienced significant roof damage, fallen trees, destroyed siding, and shattered windows. Many discovered too late that their policies didn’t cover everything they thought they did.

2. Homeowners Insurance Is Not One-Size-Fits-All

After the storm, many Iowans learned their coverage limits were too low—or that certain types of damage, like tree removal or detached structures, weren’t fully covered. The derecho underscored the importance of customizing your coverage to your specific home and property.

3. Replacement Cost Coverage Makes a Difference

Policies that offered replacement cost (instead of actual cash value) gave homeowners the financial support they needed to rebuild. If your policy only pays out the depreciated value of your home or belongings, you could be left paying thousands out of pocket.

Why the 5-Year Mark Matters

One of the biggest reasons this anniversary is significant: for many homeowners, claims from the derecho will now begin falling off their insurance history.

Most insurance carriers look at a 5-year claims window when calculating your rates. That means if you filed a claim due to derecho-related damage in 2020, your record may now be considered “clean” again—making it a great time to shop your insurance and potentially qualify for better pricing or improved coverage.

What You Should Do Now

Review Your Policy Annually

Has your home value changed? Have you renovated, added a deck, or replaced your roof? Make sure your policy reflects any updates.

Check Your Deductibles

Wind and hail deductibles are sometimes higher than your standard deductible. Make sure you know what you’d owe if a similar storm hit again.

Talk With a Local Insurance Agent

An agent who understands Iowa’s weather risks can help tailor your policy—because storms like the derecho aren’t as rare as we’d like to think.

Skogman Insurance: Here to Help

At Skogman Insurance, we’ve helped hundreds of local homeowners navigate claims, update their coverage, and better prepare for the unexpected. If it’s been a while since you reviewed your policy—or if you’re not sure what’s covered—we're here to walk you through it.

The derecho reminded us that storms can hit hard and fast. The best time to review your insurance is before the next one rolls in.

Have questions or want a free policy review?

Contact our team today and make sure you're protected—five years later, and for whatever comes next.

What Is Commercial Property Insurance?

Tue, 29 Jul 2025 14:29:53 GMT

Businesses rely on a wide range of physical assets—including buildings, furniture, technology, inventory and raw materials, among others—to conduct their operations successfully. The loss, damage or destruction of this property could wreak havoc on any business. That’s why it’s important to have adequate commercial property insurance in place.

Commercial property insurance is designed to cover this a business’s physical assets if these items are damaged or destroyed as the result of various covered events. Generally speaking, there are two different types of commercial property policies. This includes:

All-risk policies : These policies can cover losses that result from a variety of events—such as fires, wind, hail, lightning, theft and vandalism. Yet, keep in mind that standard coverage typically excludes certain weather events, including floods and earthquakes.
Peril-specific policies : These policies can cover damages that occur as the result of specific, policy-named perils. For instance, a business may require fire coverage if its property faces an increased risk of experiencing that peril.

Commercial property insurance covers a variety of physical assets. However, you may need to purchase policy endorsements (also known as riders) for certain high-value items—including specialized equipment and custom fixtures.

Call your insurance agent for a customized assessment of your business’s unique coverage needs. You can then purchase a commercial property insurance policy with confidence, knowing that your commercial assets will be fully protected.

Ask us for an evaluation today. Call Skogman Insurance at 319-366-6288 for more information on business insurance.

Delivery Driver Hurt On your Property? Here's Who's Responsible

Mon, 14 Jul 2025 16:05:31 GMT

Delivery Drivers and Liability: What Homeowners and Renters Need to Know

When a delivery driver steps onto your property to drop off a package, it might seem like a simple transaction. But if an accident occurs—like a fall on an icy walkway—you could be facing more than just a delayed delivery. Many homeowners and renters don’t realize they could be held financially responsible if a driver gets hurt on their property. So, who pays for the injuries? And does your insurance offer protection? This post will help clarify your responsibilities and how insurance may come into play.

Your Responsibility as a Property Owner

By ordering a delivery, you’re inviting someone onto your property to complete a business-related task. In legal terms, this makes the delivery driver an “invitee.” That status means you, as the property owner, have a duty to maintain a reasonably safe environment for them. You’re expected to take care of hazards like icy sidewalks, tripping hazards, blocked pathways, or even unsecured pets. If you’re aware of a danger that isn’t obvious, you’re also expected to warn the driver.

What Happens if a Delivery Driver Gets Hurt?

In many cases, the delivery driver’s employer will have a workers’ compensation policy that covers on-the-job injuries. However, if the injury was caused by unsafe conditions on your property, the workers’ comp provider might seek reimbursement from you through a process called subrogation. This means they could demand you cover the costs of medical treatment they paid out.

That’s where your homeowners insurance could step in. Most policies offer liability coverage that may help cover those costs—assuming the injury was due to your negligence. It’s important to understand the details of your policy and speak with your insurance agent if you’re unsure about what’s covered.

Renters: Are You Covered?

For renters, liability gets a little more complicated. If a delivery driver is bitten by your dog, your renters insurance might provide coverage for that injury. But if the injury is caused by something related to the condition of the property—like a broken step or uncleared ice—it may fall under your landlord’s responsibility. The deciding factor usually lies in your lease agreement. Some leases shift certain maintenance duties, like snow removal, to the tenant. That’s why it’s essential to review your lease to understand where your responsibilities begin and end.

Protect Yourself with the Right Guidance

Understanding liability as a homeowner or renter can be tricky—but you don’t have to figure it out alone. A trusted Skogman Insurance agent can help you review your current policy, explain your coverage, and make sure you’re protected from the unexpected. Reach out to us today, we're here to help!

Fourth of July 2025: Guide and Events

Wed, 02 Jul 2025 15:56:59 GMT

The Fourth of July is right around the corner, bringing a full weekend of parades, fireworks, and patriotic fun. To help you plan, we’ve rounded up some of the best local events happening nearby. Whether you're looking for a family outing or a great spot to watch the fireworks, there are plenty of ways to celebrate Independence Day this year!

Cedar Rapids, Hiawatha, Swisher, & Robins:

Celebration of Freedom Fireworks - One of the largest firework displays in the state of Iowa takes place on Friday, July 4th, at 9pm. Prior to the firework show, festivities will be all day starting at 12pm – from live performances to bounce houses, people of all ages will enjoy the celebrations.

Kernels Post Game Fireworks - Celebrate the Fourth of July at the Cedar Rapids Kernels stadium for an evening packed with fun and festivities! Tickets are just $10 per person, with live music from Not Quite Brothers kicking off at 7 PM. The night ends with the firework show at 9:30 PM. It’s a celebration you won’t want to miss.

Marion:

Fireworks & Fireflies - Join the fun on Thursday, July 3rd at the scenic Klopfenstein Amphitheater in Lowe Park for an evening full of celebration! The parking lot opens at 4 PM, with live music from The Ice Breakers starting at 7 PM. The night wraps up with a spectacular fireworks display beginning at dusk.

North Liberty:

Fireworks in the Park - Join for an amazing evening of fireworks on Thursday, July 3rd, at 9:30pm at Penn Meadows Park! Grab your friends, family, and lawn chairs, and get ready to celebrate.

North Liberty’s Fourth of July Celebration - Celebrate the fourth with a whole day of activities! Enjoy a festive parade at 2pm, a firework show at dusk, and plenty of exciting activities in between! With something for everyone, this will be a family-fun event that you will not want to miss.

Iowa City:

4thFest - Coralville’s annual Fourth of July celebration will take place Thursday, July 3rd and Friday, July 4th at S.T. Morrison Park! This two-day event is packed with fun for all ages! From a 5K run and free concert to a petting zoo and an incredible fireworks show, you won’t want to miss a moment of the festivities.

Iowa City Fireworks - This show will take place on Saturday, July 5th, at the Old Capitol Museum, at 9:30pm. Wrap up the holiday weekend at this amazing show in the heart of downtown.

No matter where you choose to celebrate, we hope your Fourth of July is filled with community, fun, and –most importantly–safety. Happy Fourth of July from all of us to you!

Why Does Your Business Need General Liability Insurance?

Wed, 11 Jun 2025 17:53:39 GMT

You’ve probably heard about the lawsuits involving fast food customers getting burned by hot coffee or pub patrons getting injured in a bar fight. The reason these cases came to fruition is because businesses are legally liable for providing a safe place for patrons of all types; a place that also serves safe food and/or creates safe products.

The idea of a liability issue may seem unlikely, but the truth is that these types of lawsuits are becoming more and more common in today’s litigious society. So what can you do to protect your business from the costly expenses of a lawsuit? Purchasing commercial general liability insurance can protect your business from a variety of events that may result in third party injury or property damage.

Specifically, this form of coverage can help protect against the resulting expenses if your business is held liability for injuring a third party or damaging their property. To clarify, general liability insurance does not prevent a customer from filing a lawsuit against your business. However, it can cover legal fees, medical expenses, awarded settlements and—in some cases—PR services to repair your company image following such lawsuits. Without general liability coverage, these costs could grow high enough to cause significant financial concerns, even if a lawsuit winds up being frivolous.

Are you ready to learn more about protecting both the safety of your customers (as well as other third parties) and the interests of your business? Consult your independent insurance agent to learn more about general liability insurance today.

We’ve got your back. Call Skogman Insurance at 319-366-6288 for more information on general liability insurance.

Summer Road Trips: Advice on Staying Safe

Tue, 20 May 2025 13:15:00 GMT

The school year is winding down and for many that means it is time for a summer road trip. Of course, you want to make sure your trip to and from your vacation destination is safe. Here are some tips to help you have an accident-free summer trip!

Planning
Plan as much detail as possible in advance so there’s no need to figure out where you are going while you are driving. Before you leave, map out your trip. Find out if you should expect any extensive construction on your drive. Look into options for places that you can stop and take a break. Consider restaurant options for meals. In addition, if your drive is very long, consider breaking it up into more than one day with a hotel stop in between. If you don't want to stop overnight, make sure you switch drivers so one person doesn't become too fatigued.

Check the Vehicle Condition
Check to make sure you have enough windshield washer fluid and that your last oil change was done recently. Measure the tire air pressure to verify it is adequate. Consider having an inspection done if you are concerned about the way the car is running before you leave. You really don't want to have a breakdown on a highway. If you wind up in that situation, make sure you pull off as far as possible. Getting completely off the highway is ideal since the shoulder is not very safe for car repairs.

Always Buckle Up
Make sure everyone is properly buckled in the car every time you are driving, including short excursions such as a trip from the hotel to the beach. Children need to be properly restrained in the correct car seat. If necessary, pull off the road to handle a dicey situation!

Consider the drive as part of the adventure and don't try to rush it. Take it easy, enjoy the drive and have a wonderful, safe vacation!

Don’t forget about your coverage. Contact Skogman Insurance for any questions about your auto insurance before you hit the road.

How Contractors Can Reduce Theft Claims

Mon, 12 May 2025 13:30:00 GMT

While it is great to have a business owner’s policy (BOP) to protect your company against loss, it is just as vital to take steps on your own to prevent a claim. These four methods are a great way to ensure tools and supplies don’t mysteriously disappear without your knowledge. Here are a few tips on how contractors can reduce theft claims.

Increase the Amount of Lighting at Job Sites and Consider Cameras

Law enforcement often touts that light is the biggest way to prevent would-be theft. In the case of construction sites, this is incredibly true. Ensure your work yard has proper security lighting during the overnight hours. It can help to keep away potential thieves. You can also consider adding smartphone accessible cameras to keep an eye on things when you’re away.

Check Inventory Regularly and Be Present as a Manager

It doesn’t matter if you’re a construction company owner, superintendent, or job site manager. Checking inventory regularly and being consistently present is incredibly important. Why? Many BOP claims include thefts by employees and subcontractors. If you monitor those who regularly work with your business and your involvement is commonly known, you can help reduce the chance of an incident happening.

Keep Clear Records

Another way to prevent theft claims against your business is by keeping records. Know exactly when supplies arrive at a job location and log the names of all employees involved at the time. This ensures that if anything ever comes up missing, you know who was around when it happened.

Remember Protection Even on Small Jobs

Not all contractors have large construction sites to monitor. Even if your job is on the smaller side, it is still important to take the necessary precautions. If your client is still living in the renovated home, ask them to keep an eye on things for you, as well.

Final Thoughts – Having the Right Business Insurance

Having a business owner's policy is a great way to protect yourself against risks, and enjoy plenty of protection for your business property, including tools and supplies. But that isn’t the only place you need a high level of coverage. Things like workers' compensation insurance, commercial auto insurance, and excess liability coverage are all still an important part of your overall protection portfolio.

The biggest part of making sure you have enough business insurance coverage starts with talking to an agent. Contact our team today to schedule an appointment.

Do You Still Need Life Insurance Once Your Children are Grown?

Wed, 30 Apr 2025 15:30:04 GMT

Life insurance provides a wide range of benefits for individuals throughout their lifetime. When you are younger, it’s an incredibly valuable investment because it helps ensure your loved ones have the financial means to live the lifestyle they are used to even if you are no longer there to help them. If you carry debt, life insurance is also valuable because it can help to pay off those debts. But, what happens as you get older? As an empty nester, do you need to keep these policies in place?

There are many instances in which you should consider maintaining life insurance. Here are some examples.

Cover Debt : One of the times when it makes sense to maintain life insurance is when you still have a significant amount of debt. This may be a mortgage, significant credit card debt or other loans. Most homeowners will need to maintain this coverage until their home is paid off.

Meet Blackout Periods : In some situations, the biggest risk comes when a spouse dies during that blackout period between when the kids are grown and gone and before he or she qualifies for Social Security. Often times, it’s best to maintain insurance to meet financial needs during this period of time.

Supplement the Cost of Living : Many Americans face financial risk even when they are receiving Social Security. The funds you get during this time may not be enough to live your current lifestyle. Life insurance policies can help cover those costs and safeguard your loved ones if necessary.

Fund Your Estate : Life insurance is an excellent way for you to leave behind funds to meet your estate goals. For example, you may want your policy to cover your grandchild's college expenses. You may want the funds to be in place to go to your heirs for other needs.

Life insurance is not something to consider just when you have children or other dependents. There are many instances in which maintaining these policies throughout your lifetime is beneficial. If you are unsure, talk to your financial advisor or your insurance agent about the options and your specific needs.

Are Landscaping Features Covered by Home Insurance?

Tue, 15 Apr 2025 14:15:00 GMT

For many people, the investment in their home starts outside. You’ve installed beautiful landscaping surrounding your home. You have raised garden beds, beautiful waterfalls, and perhaps even a pond added to the layout. You love the way your home looks now, but do you have the right type and amount of home insurance to help protect these valuable investments? Your landscaping may or may not be a part of your home insurance plan and it’s important to know now if it isn’t in place.

What Does Home Insurance Cover?
Most of the time, your standard home insurance policy can provide protection for some components of your landscaping. This includes plants, trees, and shrubs up to some level. It may protect these types of components from risks such as fire, vandalism, riot, theft, damage brought on by another person’s vehicle, and even lightning. In many situations, the plan should limit the amount of landscape coverage you have, such as at a value of 10 percent of the home’s insurance coverage.

What happens if you have more expansive or higher value landscaping?

If you’ve installed bigger features throughout your landscaping, this can add value to your home. However, these may not be covered outright in your standard policy. You may need to purchase an additional rider or obtain coverage that offers a high enough limit to protect you from losses. When you work with your home insurance agent, you can specifically include most types of assets.

Keep in mind that some assets raise your risks (and therefore your costs) as well .

For example, if you install a pond in your backyard, you may boost the value of your home. But, you also are adding a risk to the space because someone can drown in it. Any time you add a risk like this, update your home insurance policy to reflect it. Otherwise, if something should happen, it is unlikely that you’ll have the comprehensive protection you need to pay for the losses.

Working with your home insurance provider, you can customize your home insurance to reflect the value of your landscaping. And, after all of the hard work and money you’ve invested in this space, it may be well worth doing just that!

Need more information? Call Skogman Insurance for a home insurance quote.

The Aspects of Your General Liability Insurance

Fri, 21 Mar 2025 14:37:34 GMT

Whenever you do business, you run the risk of harming another individual. If an accident occurs, the affected party might want compensation. It’s likely your responsibility to meet this expectation.

Fortunately, that’s where general liability insurance can help. Here’s an outline of what this type of policy covers.

What Liability Insurance Covers
Most businesses need to carry general liability insurance. This form of coverage can provide protection if your business is held responsible for injuring a third party or damaging their property. Through such a policy, you can obtain coverage for a variety of damages that your business might cause.

Your general liability insurance may cover the following:

Bodily injuries —If a customer or other third party gets hurt in your business, this protection can pay their medical costs or other bills. Such coverage might also apply if you or your employees accidentally harm a customer when providing a service.
Property damage —When providing services, you might use or visit a customer’s property. If you accidentally damage that property, use this portion of coverage to pay for the damage.

Keep in mind, most liability policies vary. Therefore, your specific policy might contain only certain aspects of the aforementioned coverage features. In addition, some general liability policies also include protection against personal and advertising injuries. As such, you may need to work with your insurance agent to customize your policy and potentially secure additional, specialized coverage. It’s up to you to determine where you need more protection.

The price you wind up paying for your coverage will vary. First, it will depend on the amount of risk you pose to the insurer. Second, the amount of coverage, along with such supplementary costs as deductibles, will also impact your price.

Remember, even with general liability coverage, your policy won’t cover every accident. Be sure to talk to your Skogman Insurance agent about the best way to establish the most secure coverage.

Does Car Insurance Cover Animal Strikes?

Fri, 21 Mar 2025 14:35:45 GMT

Once animals begin coming out of hibernation during the spring, your risk of hitting one with your car goes up. Therefore, if you were to hit a deer when out on the road, your vehicle might sustain significant damage, and you might cause harm to other drivers and their vehicles, too. Therefore, you’ll want to have assistance available to help you pick up the pieces.

The good news is that your auto insurance can be there to assist you when animal strikes occur. There’s a catch, however. You must ensure that you have appropriate benefits in the first place, and this will require getting a type of coverage known as comprehensive physical damage insurance.

Comprehensive Insurance and Animal Strike Coverage
If you have comprehensive physical damage coverage on your auto policy, that does not mean that you have auto insurance for 100% of your losses. It is a specific benefit within an auto insurance that is designed to insure your vehicle against physical damage that is not related to a wreck (I.e. storms, fires, theft).

Animal strikes will have coverage under this benefit, even though they might be perceived as collisions by the affected driver. If you only have a minor collision with an animal, then you might find that there’s only minor damage, which might not necessitate filing an auto insurance claim (particularly if you have a high deductible on your policy). However, were your vehicle to sustain severe damage, then your comprehensive coverage can ensure that you receive a substantial settlement for the requisite repairs.

What Happens if I Hit Another Vehicle?
Maybe when you hit a deer, you swerve into oncoming traffic and hit another vehicle. Under the circumstances, you might be at fault for the other driver’s vehicle damage, since you hit them. Even though you were not necessarily in full control of your vehicle at the time you hit the other car, the fault lies more with you than the other driver.

Therefore, your auto liability insurance will provide property damage and bodily injury coverage that pays for third-party losses when you are deemed at fault for the accident. However, this coverage does not pay for damage to your own vehicle, so you must carry both comprehensive and liability coverage within your policy if you want a more expansive policy.

What Should You Do After an Animal Collision?
After you strike an animal, immediately call the police and emergency services. They will respond to the scene, direct traffic and help you document the accident. Afterwards, contact your insurance company to learn what your next steps will be. They will start the claim and analyze the cause and effects of the accident. They will then determine exactly how much your policy can aid you for the ramifications of this accident.

Wired vs. Wireless Home Security Systems

Mon, 24 Feb 2025 16:00:00 GMT

A home security system is a good investment to protect your home and family from crime and may qualify you for a homeowners insurance discount. Insurance companies offer discounts because security systems make it less likely that a burglar will want to enter your home and even if they do, many will immediately leave after hearing the alarm. This minimizes property loss and therefore your likelihood of filing an insurance claim.

Choosing a suitable system can be very confusing because of the many types of security systems available today. A major choice that homeowners face is whether to get a hard wired or wireless system. This choice will depend on a number of factors.

Installation
A hard wired system will require physical work installing the components and wiring. This will include drilling holes into your walls. Unless you are experienced at such work, you will have to hire a professional installer which can be costly. The systems themselves are generally less expensive than wireless.

Wireless systems are designed for easy installation. No drilling or placing of wires are required. Components will either attach to a wall with a few screws or with a sticky adhesive backing. Additional components are also easy to install.

Reception
Wireless systems rely on good cell phone reception for contacting professional monitoring services. This may be a problem for some people in rural areas. Hard wired systems use land lines.

Portability
For renters, a wireless system can be easily installed when they move into an apartment and just as easily removed when they move out. Wireless systems also make sense for people whose jobs require them to move around a lot.

Power Supply
The individual components of wireless systems are powered by batteries. Good systems use batteries that last for years but you will want to make sure that they will alert you when their batteries run low. Hard wired systems don't rely on batteries but tap directly into your home's electrical power.

By applying the above features and requirements to your situation and needs, it should become very clear which type of system is best for you.

Protect your family. Call Skogman Insurance at 319-366-6288 for more information on home insurance.

5 Tips for Buying Business Insurance

Mon, 10 Feb 2025 16:00:00 GMT

When you want to buy a new laptop, office chair or even a car, you always shop around to find out what's available and compare quality and cost. Often though, that's not the case with business insurance. Business owners are busy and don't want to wade through pages of policy documents to learn the details; too many times they just chose the policy that's least expensive. Unfortunately that may cost them in the long run if they find they don't have enough coverage when something bad happens. Use these tips to help you find the best business insurance policy for your needs.

Join a professional association in your industry. Trade associations and business groups usually provide insurance options at group rates for members. You might be able to find a policy through one, or even automatically get a small policy as a part of your membership benefits.

Find out about your industry's settlements. To better understand what coverage you need, dig into records of legal actions and settlements in your line of work. Ask around in your network and find out what type and amount of insurance your colleagues have so that you can determine whether or not you're in line with the rest of the industry.

Compare the coverage of various policies. Just because one policy is more expensive doesn't mean it has more benefits. Once you know what coverage you need, compare policies that suit your needs so you're not getting too much coverage that you don't need.

When in doubt, opt for a package deal. A business owner package (usually referred to as BOP) will offer you the most common business insurance policies. You may need to tweak it to include extra coverage that's specific to your industry, but it usually offers greater savings than buying several policies on their own.

Use a broker who knows your industry. Working with an insurance agent that is familiar with your line of work will give you peace of mind, along with saving you time and money. They can easily explain what coverage could be beneficial and find a good policy at an affordable price.

Business insurance is vital to the long-term success of your company. It takes on the risk so that you can reinvest your money into growing your business.

We’ll help you find the right policy. Call Skogman Insurance at 319-366-6288 for more information on business insurance.

Auto Insurance for Your Stored Vehicle

Thu, 30 Jan 2025 17:07:02 GMT

You have a vehicle you do not use. Storing it can help minimize damage to it. But, there are still risks present. Should you have auto insurance? It is tempting to reduce or remove coverage. But, before you do, there are a few key things to consider about your coverage needs.

How Long Do You Plan to Store Your Vehicle?
Some people store their convertibles or off-roading vehicles during the winter months. Others store sports cars most of the year, except for those few weekends they decide to use them.

The key to remember is this. If you plan to store your vehicle for an extended period (think for months) you may not need full coverage the whole time. Your auto insurance agent can work with you. They can create a policy with minimal coverage and cost to protect you during the off-season.

Why Not Just Cancel Your Policy?
Some people may think they do not need car insurance if they do not use the car. This is true. Legally, if the car is never in use, you may not need coverage. There are some facts to think about, though.

If you drive it on the road, it must have a license with tags. This usually requires having the bare minimum of liability insurance.
If it is in the garage unused, but a storm damages it, or someone steals it, you have no financial protection. This can be a big risk for valuable cars. You might need comprehensive coverage to make up for this loss.
If you have a loan on the car, even if it is not in use, the lender is likely to require full coverage on it. This provides the lender with financial protection.
Furthermore, simply cancelling and restarting coverage might increase your premiums time over time.

In addition to this, consider where you are storing it. If you store it at home, it has a greater chance of damage due to the less-than-secure area. If you store it in a facility, you may be able to improve security and protection for the car to a higher value.

But, remember this. If you decide to drive it, even one time a year, you need auto insurance in place. Most car insurance agents can activate a policy right away for you. However, this does not help if an accident occurs before you have the policy in place. Ensure your auto insurance reflects how you use the car. Yet, for most owners, keeping a basic policy on the car makes financial sense.

5 Things Every New Business Owner Needs for Success

Fri, 17 Jan 2025 21:48:52 GMT

Starting a new business can be both exciting and frightening. You have sky-high goals but maybe you're overwhelmed with business-related tasks.

These tasks are often mundane, but you need to do certain things to make your business run smoothly. You don't know where to start and are unsure that you are doing the most important things. Here are five things that you need to do to set yourself up for success:

Invest in an accounting software . Getting paid and keeping the books both present challenges to business owners. A robust software can help you take care of this faster and with better accuracy. There are plenty of options, like Freshbooks and Quicken. Investigate a few that you think would be a good fit, and then choose one.

Open bank accounts for the business . Getting a bank account (or accounts) for your business is important essential. Run all your business expenses and income through these accounts to keep your finances as organized as possible. Avoid mixing your personal and business finances.

Create a business plan . There are many kinds of business plans and you could spend all day pondering which type is best. At its core, a business plan lays the foundation for how your will organize, run and grow your business. Some important things to consider while creating it include:
your target customer
scope of services you will provide
who will help you and how you'll expand your business
how much and how you will pay yourself

Invest in yourself . Over time you'll find that you invest in bigger and better tools and materials. But, you also must invest in yourself. A good rule of thumb is to spend three to five percent of your income on personal development. Buy books to read, go through online courses, attend conferences and live events. Through all these things you'll gain new knowledge, learn how to apply it and build a better business.

Buy business insurance . It might seem like an unnecessary expense. However, business insurance is one thing you should buy. This will protect your investment in the business if something goes wrong. It will give you peace of mind knowing that if the unexpected happens, you will not be financially ruined.

Being a business owner is a huge commitment, but one of the best you can make. Follow these five tips to set yourself up for long lasting success.

We've got you covered. Call Skogman Insurance at 319-366-6288 for a fast, free business insurance quote.

The Importance of Learning to Drive in Winter

Fri, 03 Jan 2025 23:10:37 GMT

Parents often feel they should only teach their teenager how to drive when the roads are dry and conditions are ideal. The truth is that when a teenager has a license, he or she will likely have to drive in a variety of weather conditions. Take the opportunity to prepare your teenaged driver by providing him or her lessons in the winter months. It is important for all drivers to know how to handle a vehicle in adverse weather. Consider the following tips.

Start with Minor Snow
It is best to take a teenaged driver out for a lesson when the winter conditions are only minor. Skip the lesson if a blizzard is raging. Also, go out during daylight hours for the first few winter driving lessons. The goal is to slowly introduce him or her to driving in snow and ice.

Practice Braking
One of the major differences between driving on dry roads and driving on snowy or icy roads is how the vehicle slows and stops. Therefore, it is important to introduce your new driver to braking on winter roads. Have him or her gently test the brakes. Consider practicing in an empty parking lot or other open area. Discuss how important it is to allow extra distance between cars when traveling in the snow. Rear-end collisions are more likely. Explain what the anti-lock brakes feel like and that it is important to continually press down on the brake while the anti-lock brakes are working. If possible give him or her the opportunity to safely experience the feel of the anti-lock brakes.

Discuss Appropriate Braking
Explain that when making a turn on an icy road, it is important to not apply the brakes because the car may start to slide. Instead brake prior to starting the turn and then use the gas during the turn. Have your teen driver practice this skill.

Emphasize the Importance of Extra Time
It’s important to allow extra time when driving in winter conditions. First, take the necessary time to properly clear the snow off the car. Completely clear windows, mirrors and lights before departing. In addition, travel will be at slower speeds, so the amount of time it takes to get to the destination will be longer. Be sure to express how important both of these items are to your teenage driver.

If you are teaching your child to drive, it is important that you prepare him or her for all weather conditions they will face on the road. Realize that although you may not want him or her to drive in the snow until they are older, storms sometimes pop up. You want your child ready for any situation he or she encounters when behind the wheel.

We understand that accidents happen. Call Skogman Insurance for more information on auto insurance.

The Different Types of Commercial Insurance

Mon, 25 Nov 2024 23:01:43 GMT

Many small business owners do not know about the different types of insurance they are required to have, they ought to have and how they can obtain insurance from different carriers. The following are some different types of commercial insurance.

Government Insurance : Worker's compensation insurance, unemployment insurance, and now healthcare are all required by government policy, regardless of industry. These insurance policies are all provided through government agencies. Even though they are regulated, and mandated, many private insurance companies offer more affordable insurance programs for your business when you create a bundled insurance program. You are required to carry worker's comp, unemployment and healthcare, but each of these are affected by your size, revenue, industry and other categorizations. Rather than navigate the bureaucratic labyrinth yourself, talk to an independent insurance agent to discover what is required of your business.

Bonds : Surety bonds are an insurance product that many commercial and non-profit entities are required to have by law or by contract. While they are similar to an insurance policy, one of the main aspects of a commercial bond is that it has surety, or capital, backing it; this means that it’s guaranteed that your business has the capital to pay if a claim arises. Make certain that your surety bond is with a company who will work with you, because if your insurance company pays out, they are obligated by contract to collect that debt from you.

Liability Insurance : Auto insurance, general liability, special liability and umbrella insurance all are designed to protect your business against liability risks. Liability insurance is generally offered by most insurance companies and is the core of any quality commercial insurance package.

Protect your business. Contact Skogman Insurance for more information on commercial insurance .

Ways to Insure Your Personal Belongings Under Home Insurance

Fri, 04 Oct 2024 19:22:57 GMT

Homeowners should always be aware of their home insurance policy and what is covered, as not all policies are created the same. Your personal belongings are generally covered under home insurance, but not always in the same way or to the same extent as you might expect.

There are two main options when it comes to covering your personal belongings under home insurance : actual cash value and replacement cost value.

Actual Cash Value vs Replacement Cost Value
Both cash value policies and replacement cost policies cover your belongings from the same dangers, but the way compensation is calculated is different.

For an actual cash value policy, depreciation is taken into account when the insurer’s claims adjuster is investigating the claim. This means that as the value of your items goes down over time, or depreciates, so does the amount of compensation you can receive in a claim. For example, say you purchase a $2,000 watch and insure it under home insurance. Over the years, its value depreciates. By the time the watch is stolen, it was only work $500. When you file a claim at this time, you will receive closer to $500 in compensation for the watch despite what its original value was due to depreciation.

On the other hand, a replacement cost value policy does not account for depreciation. Instead, a replacement cost value policy provides compensation so that you may replace it with an item of similar or identical value. This type of policy is generally more expensive, but it is also more likely to allow you to replace your belongings in total after an incident.

Which Policy is Best?
The type of policy that is best depends on you and your belongings. Keep in mind that there are certain limitations under both policies, as well. Most home insurance policies do not cover damage or loss caused by floods or earthquakes. There is also limited coverage for expensive items such as jewelry, furs, art and electronics. If you have expensive items such as these, you may need additional policy floaters. Policy floaters allow you to fill in the gaps on your personal belongings coverage and insure your high value items more effectively.

Speak with an agent to protect your personal belongings within your home. It is crucial to make sure that your items are protected so that you don’t have to pay for repairs or replacements out of pocket after an accident.

5 Tips for Getting Small Business Insurance

Fri, 04 Oct 2024 19:10:58 GMT

Every business needs business insurance – even small ones. Why? All businesses have risks. And it’s a fact that the right coverage for your small business can make or break your company if a covered incident occurs.

Insurance is all about protecting your assets. And no matter how careful you are with every aspect of your business, unexpected disasters happen. You just don’t have control over them. But whether it is fire, flood or theft, an insurance policy take cares of that for you. Here are five tips to help you select the right policy.

Make sure to discuss all potential losses to your agent. That $3,000 aquarium display in your lobby might not look much to your agent, so she might scratch it of as something “less valuable.” So be sure to specify the real value of all your assets in case any accidents occur.
Discuss in length your full inventory to your agent. Coverage should replace all lost or damaged equipment with the same, or at least comparable, items instead of getting items of a depreciated value. We’ve heard some horror stories about company equipment getting replaced by cheaper versions, so be sure to discuss in great detail the value and the replacement potential of all your current inventory.
Get worker’s compensation insurance. An accident in the workplace can cost you a lot of money. It will require you to pay all medical bills and lost wages, or face a lawsuit by a begrudged injured employee. Worker’s comp can cover these situations, saving you the expenses of work accidents.
Consider a package deal, such as a business owner’s policy (BOP). It’s usually cheaper and can cover a long list of your concerns in one easy bundle with one premium payment.
Hire an independent insurance agent. They are not bound by a single company, so they can broaden their horizons and really shop around. The insurance industry is vast and there are lots of factors involved. But the independent agent knows his stuff, and can really give you the best policy your business deserves.

So now that you know about small business insurance. It’s time for you to contact that dependable agent of yours and start purchasing that perfect coverage for you!

Can a Smart Home System Reduce Your Theft Risks?

Fri, 04 Oct 2024 19:07:36 GMT

A smart home is one that provides information and communicates with you no matter where you are. These are growing in popularity today. A wide range of versions are available. Each one seems to do something unique. If you are thinking about the investment in a smart home system of any type, it helps to know what the benefits are. In some cases, they can reduce theft risks and, as a result, lower home insurance costs.

What Type of System Is Right for You?
If you hope to improve your home’s security, there are a few types of smart home systems to take into consideration. First, learn about the various brands and how they work. Then, determine what could help at your home. Here are some key ideas and options.

Doorbell cameras – Replacing the traditional doorbell, these cameras allow you to receive a message whenever someone approaches the door. You can interact with the people outside your door. These do not prevent someone from coming in but do take pictures of those who step in their range of view.
Security cameras – An excellent option for those who want more security, home security cameras are always active. The latest models have night vision and allow for two-way communication. Most importantly, they sound an alarm and alert you if someone steps into the warning area.
Security monitoring – This is the highest level of safety-oriented home automation. It uses security cameras along with other types of sensors. When a trigger occurs, such as someone opening the door, it alerts a company monitoring the home. They can send help immediately. \Door and window sensors – These detect when the door or a window opens. These small sensors are hard to see. Yet, they communicate a significant amount of information immediately.
Glass break sensors – Some sensors even detect when glass breaks. If it senses this, it can send an alert so you can take action.

As smart home features, they work by sending messages to your smartphone or computer. You can then choose to call the police or warn the person to leave your property. In this way, they increase your home security.

If you decide to install one of these systems, be sure to tell your home insurance agent about it. With more information about how it works, they may recognize the benefits. This can help you to reduce your home insurance costs. However, not all systems qualify. Be sure to work with your agent to find the best way for your home.

Exercise Tips for Cool Weather

Fri, 04 Oct 2024 19:02:18 GMT

Just because it’s cold outside doesn’t mean you have to confine your workouts to a gym. There are plenty of tips and tricks that outdoor runners use to continue exercising through fall and winter. And while hot summer weather can tire you quickly, cooler weather stimulates your senses. Plus, you burn more calories during winter runs because you tend to run faster. Let’s look at a few tips for keeping your body temperature up during winter exercise.

Plan a route: Select a running route with stable footing, as free of snow and ice as possible. Your route should be well lit and plowed, which usually makes afternoons a good time for a run. Many runners select a path that is looped so it’s easy to quit early if you need to without having to turn around and run back a lengthy trail to get home.
Dress appropriately: Layering your clothing is perfect for cold weather because you can remove items as your body warms up. Or, to warm your body quicker so you can wear fewer layers, you can throw your exercise clothes in the dryer for a few minutes before dressing. By the time the fabric cools, your body will be creating its own warmth. One more trick is to wear mittens instead of gloves to keep more warmth in your hands.
Warm up: Many runners find it helpful to warm up indoors before heading out for a run. Jog in place or do some basic calisthenics for five to ten minutes to help prevent pulled muscles. This helps your body adjust before hitting the colder temperatures.
Stay hydrated: Though you may not sweat quite as much as you do during summer, winter runners still sweat and need to drink plenty of water. A handy tip is to store your water bottle inside of your jacket or sweatshirt to keep it from freezing along the way.
Cool down: If you’ve been sweating and you suddenly slow down, the wind can easily give you chills since your skin and clothing are wet. Keep cool downs very short and head back home for indoor stretching.

Your wellness is our priority. Call Skogman Insurance for more information on health insurance .

Insuring Your Wedding

Fri, 04 Oct 2024 18:58:13 GMT

The wedding industry is booming and these events can cost tens of thousands of dollars between the dress, cake, venue, décor, food and photography. Whether you set out to plan your own wedding or enlist the help of an event planner, it still takes the better part of a year for many couples to throw this shindig. You pay the deposits and spend countless hours poring over menus and seating charts.

But, what happens if the event cannot happen as planned? Perhaps the venue catches fire a few days before the wedding date, or maybe a family member falls ill. Postponing, moving or cancelling the event could mean that you’re out thousands of dollars, particularly if venue and vendor deposits are non-refundable.

While some insurance providers write policies that specifically cover weddings, other insurers are able to cover an assortment of special events. In either case, this type of insurance policy can cover these lost expenses if the wedding cannot go on as planned. Some common coverages of wedding insurance include the following.

Event cancellation and postponement: Whether you face cancellation fees or nonrefundable deposits, this coverage can reimburse you for lost expenses if you must cancel or postpone the wedding. Additionally, you may also be covered if you must book a vendor at the last minute due to an unexpected event, such as a vendor going out of business.
Event liability: If you, as the event host, are held liable for a guest’s injury or damaged property during the course of the wedding, this coverage can help cover those expenses. In fact, many venues insist that you obtain this coverage as part of the event contract.
Liquor liability: You may be held liable for the harmful actions of an intoxicated guest. This coverage helps fund the aftermath of their physical attacks on other guest or venue/vendor property.
Damage to premises: This helps cover any damage that is done to the venue during the course of your wedding.

Do you need coverage for your wedding? Call our agency to get a free quote today.

Extended Replacement Coverage

Fri, 04 Oct 2024 18:58:11 GMT

Homes can be destroyed in natural disaster, fire or other catastrophes. If you don’t have the proper protection, the rebuild and repair can be an overwhelming expense. That’s where extended replacement coverage can help.

When purchasing coverage for their home, policyholders often make the mistake of simply insuring it for the resale value. However, should a flood, storm or other event occur, they may find that the cost to rebuild far exceeds the original purchase price. This discrepancy can occur for a variety of reasons, including inflated construction costs following catastrophic events that impact multiple homes in a particular area.

To truly protect themselves, extended replacement coverage is essential. This form of coverage provides a benefit over and above the policy limits for replacing a damaged house. That means, should a covered loss occur, extended replacement coverage will kick in and pay up to a specified percentage over an insured’s policy limit—sometimes as much as 125 percent.

As an example, let’s say your $270,000 home is destroyed by a tornado. Because this disaster affected an entire neighborhood, the costs of building materials and labor significantly increased due to high demand. As a result, the replacement value is estimated at $300,000—significantly over the normal replacement cost covered by standard homeowner’s policies. Without extended replacement coverage, you would likely have to pay the extra $30,000 out of pocket.

When shopping for homeowners insurance , extended replacement coverage is critical. While skimping on this protection may lower your coverage costs slightly, those savings will mean nothing should disaster strike and lead to tens of thousands of dollars in losses.

If you still have questions about homeowners insurance it’s important to discuss your unique needs with an expert.