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ISU Northwest Insurance Services Blog

View the latest blog posts from ISU Northwest Insurance Services.

From time to time, auto insurance rates will increase. Most often, this happens due to the cost of living rising. However, many people can save money by asking their insurance agent about savings options. If your prices are on the rise, take these steps to ensure you are paying the least amount necessary. READ MORE >>

A person suffering an injury on your property can be a very worrisome situation. Even if you do your very best to help them, they may feel you are responsible for their losses. In some cases, you are. Your home insurance company offers financial help for this situation. READ MORE >>

Leased vehicles need full coverage. It is common for the leasing company to require comprehensive coverage on these cars. This can increase the premium costs to you. However, this type of auto insurance minimizes their risks. It also helps protect you in the case of an accident. READ MORE >>

Owning a business has perks, but there’s definitely a certain level of liability that comes with being your own boss. That’s why many entrepreneurs opt for an LLC structure instead of a sole proprietorship. Under LLCs, your personal assets are virtually untouchable. READ MORE >>

Turning 18 means you are officially an adult. Now, you’re responsible for all of your own life choices and decisions. You may already be driving. You may own a car, or you are planning to purchase one. Your goal should always be to have a policy that matches your life and your needs. READ MORE >>

When a fire, storm, or act of vandalism damages your home, you want to get it fixed as soon as possible. Home insurance may provide you with the financial means to pay for these types of repairs. However, you shouldn’t rush into choosing a contractor for the job. Doing so could cause you financial loss in the long term. READ MORE >>

Each state sets laws determining who handles paying for an accident after it occurs. When two parties collide, determining fault is not always the goal. In some states, each person’s insurance pays for the losses. How does this work? Are you in a no-fault or at-fault state? READ MORE >>

When a storm comes through any community, it can cause damage to property in a matter of minutes. Many times, the damage comes in the form of structural losses, such as the roof blowing off the property. Other times, it creates risks that go further, such as leaks that can cause you to lose the inventory in your business. READ MORE >>

A bird may seem like a small, simple animal. However, it can cause damage to your assets including your car. If you have bird-related damage to your car, your auto insurance policy may cover it. Whether you have coverage depends on many factors. Among them is what type of coverage you have. READ MORE >>

A small leak is all it takes. Within a short amount of time, the insulation in a roof can develop mold. The interior of the roof may have structural deficiencies as a result. When a situation like this occurs, it becomes essential to find a solution. Home insurance may not cover this type of damage. READ MORE >>

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