Sands Insurance

💡 Replacement cost vs. actual cash value, explained simply.

🏠 Replacement cost pays what it costs to buy the item new, today, at today's prices.

📉 Actual cash value pays what the item is worth right now, after years of use have lowered its value.

🌩️ Example: a five year old roof damaged in a storm. Actual cash value pays based on what that worn roof was worth. Replacement cost pays for a full new roof. That gap can run into the thousands.

✅ Check your declarations page or call your agent and ask directly which one your policy uses.

📖 Full guide: https://sands-insurance.com/2026/06/19/guide-to-homeowners/

📞 Free Policy Review, call 515 965 2429.

Most Iowa homeowners assume their policy covers flood damage.

It doesn't, and that assumption gets expensive fast.
Heavy spring rain, poor drainage, or a creek backing up a few blocks away can cause real flood damage without a river anywhere near your property.

Every year we talk to homeowners who find this out only after water is already in their basement.

Here's the fact that surprises most people: flood coverage is never included in a standard homeowners policy.

It is always sold separately, and most people go years without ever being told that.
The fix is simple.

Pull out your policy or call your agent and ask one direct question, do you have flood coverage, yes or no.

If the answer is no and you want it, it can usually be added. We break down this gap and several others in our latest guide on what your Iowa homeowners policy actually covers.

Read it here: https://sands-insurance.com/2026/06/19/guide-to-homeowners/

If you'd like us to check your own policy for this gap, a Free Policy Review is free, no pressure, call 515 965 2429.

Free policy reviews are still going strong!

No cost. No obligation. Just an honest look at your current coverage to help you understand what is protected and where there may be gaps.

A quick review today can help protect your tomorrow. 💙

📅 Book your free review here: https://leads.sands-insurance.com/claim-free-policy-review

Deer season can arrive before you expect it, especially on Iowa roads.

Liability coverage helps pay for damage you cause to others, but it generally does not cover damage to your own vehicle after hitting a deer. That is where comprehensive coverage comes in.

A quick policy review can help confirm what your auto insurance actually includes before you need it.

DM us or call 515-965-2429 for a free policy review.

Your credit score may be affecting more than just your ability to borrow. In Iowa, it can also play a role in what you pay for auto insurance.

Whether you’re protecting your home, insuring the family vehicles, or considering bundling home and auto, it helps to understand what is actually influencing your rate. You could be overpaying, underinsured, or missing an opportunity to save.

Let’s review your coverage together and make sure it still fits your family, your assets, and your budget.

DM me or call 515-965-2429
📍 Sands Insurance, Ankeny, Iowa

🏠🚗 Free policy review, no catch.

We check your home and auto coverage and tell you straight up if it's solid or if there's a gap. ✅

No sales pitch, no pressure, just an honest answer either way. 💬

Send us a message to get started. 📩

📋 Free policy review for Iowa electricians.

We check your current coverage, flag any gaps or overpayments, and give it to you straight. ✅

No sales pitch, no pressure, just an honest look at where you actually stand. 💬

Message us or call 515-965-2429 to get started. 📩

🚗 Ankeny is growing fast, and so are our roads.

More traffic means more fender benders, more close calls, more chances your current coverage doesn't quite keep up. 📈

Make sure your auto policy actually matches the driving you're doing today, not five years ago. ✅

Free policy review, no cost, no obligation. 📩 Just send us a message.