LFG Insurance Services

Insurance Review:

We are approaching mid-2026, can you believe it? Consumer concerns are dominated by skyrocketing cost, with nearly 70% of Americans worried about premium increases.

That is where LFG Insurance Services can potentially provide assistance, as we competitively shop for your insurance needs among some of the best carriers in the market to acquire best possible pricing. Buying insurance can be overwhelming.

Let LFG Insurance Services help you work through options, so you get the right insurance at the right price. PH: 515-512-1313

LFG Insurance Services helps protect, preserve, and prepare individuals and businesses through the benefits of appropriate coverage.

June weather concerns in Iowa primarily revolve around heavy rainfall, flash flooding, and severe thunderstorms, which can bring damaging hail, high winds and tornadoes.

Schedule a free no obligation insurance review with LFG Insurance Services so we can help with any potential gaps in coverage.

Did you get new Jewelry or a gift for Valentine's Day. Don't forget to consider scheduling what is important to you.

Valentine's Day is a time for celebrating love and exchanging meaningful gifts. If you've recently received (or given) jewelry, watches, or other valuable items this Valentine's Day, now is the perfect time to explore protecting them.

Why Consider Additional Coverage?

A typical homeowners insurance policy may not cover your more expensive items. Valuable Items insurance offers increased coverage for your most valuable items in the event they are lost, stolen or accidentally damaged.

Titled your home property to a Trust?

Why you need to update your homeowner’s insurance:

• Legal ownership has changed: When a house is put into a trust, the trust legally owns the property, not the individual owner.
• Coverage can be denied: If the homeowner’s policy still lists the individual owner instead of the trust, a claim could be denied because there is a disconnect between the policyholder and the legal owner of the property.
• Trustee is protected: Updating the policy ensures that the trustee is protected and that claims won't be delayed or denied due to ownership issues.
• Incorrect name is a common mistake: It is crucial to use the trust's exact legal name on the insurance policy, as even small discrepancies can cause problems during a claim.
What to do after placing your home in a trust
• Notify your insurance company immediately: Inform your insurance provider as soon as you transfer your property into a trust.
• Provide the correct information: Give the insurance company the trust's exact legal name as it appears on the trust documents.
• Request the proper endorsement: Ask to have trust added to the policy. Depending on your situation, you can have the trust listed as the "named insured" or as an "additional insured".
• Get written confirmation: Obtain written confirmation from your insurance company verifying that the trust is properly listed on the policy.

Keep Your Fire Pit Fun - and Safe!

Nothing says "fall evening" like gathering around a crackling fire with friends and family. But before you strike that match, take a minute to make sure you're keeping it safe:

* Set up your fire pit a safe distance from your house and anything that burns.
* Watch the wind - even small ember can travel.
* Keep water or a fire extinguisher close by, just in case.
* Double- check the fire is out before heading inside.
*Teach kids to respect fire and keep matches out of reach.

A little extra care helps make sure your cozy night doesn't turn into a call to your local fire department and then your insurance agent.

Stay safe and enjoy the season.

Why college students should consider renters insurance: Renters insurance coverage helps protect students from losses in multiple ways, for example: Safeguards Possessions. Covers Liability. Provides for emergency housing. Renters insurance for college students is relatively inexpensive, especially compared to the potential cost to replace items that are important to a student like laptops, electronic devices, clothes, school supplies, furniture and other household items, should a covered loss take place. Reach out to me if you would like a quote for you college students coverage.