LFG Insurance Services

Renters coverage for your college student.

What to check on a competing declarations page:

1. Whether the causes-of-loss form is special form (open perils) or basic form (named perils).
2. Any sublimit on water damage, and whether water back-up is included.
3. Whether loss of rents follows the policy's covered causes of loss.
4. Whether theft, vandalism, and malicious mischief are included or endorsed separately.
5. Whether the building is valued at Replacement Cost or Actual Cash Value, and any condition tied to roof age.

Concerned about too much rain?

What should I do:

A gap in car insurance—even for a single day—means you are driving illegally and are completely uninsured. Consequences include high out-of-pocket costs for accidents, state-issued fines, suspended licenses, and much higher future premiums because insurance companies view uninsured drivers as high-risk.

Immediate Consequences
• Financial Ruin: If you cause an accident while uninsured, you must pay out of pocket for all vehicle damage, medical bills, and legal fees.
• State Penalties: Most states mandate continuous coverage. If your car’s lack of insurance is flagged by the Department of Motor Vehicles (DMV), you can face heavy fines, registration suspensions, and driver's license suspensions.
• Loan Default:
If you finance or lease your car, your lender requires active coverage. A lapse could trigger them to purchase a highly expensive "force-placed" policy or repossess the vehicle.
Long-Term Repercussions
• Higher Rates: A gap in insurance tells providers that you are a risky customer. Insurers often charge much higher premiums (sometimes up to 100% more) to drivers who have had a recent lapse.
• Loss of Discounts: You will forfeit the "continuous insurance" or "prior coverage" discounts offered by many major carriers.
• Limited Options: Some preferred insurance companies will refuse to insure you altogether if you have a coverage gap extending beyond 30 to 200 days, forcing you into more expensive "non-standard" high-risk insurance markets.

What You Should Do?

Contact: LFG Insurance Service 515-512-131 for a free no obligation quote.

An Umbrella Policy picks up your underlying limits of liability of your home and auto and offers additional layer of protection. Umbrella policies can protect your assets when you are ever deemed responsible for bodily injury or property damage. Some carriers even allow you to endorse the umbrella with (UM/UIM) Underinsured and Un-insured, which puts the coverage back on you if hit by someone with low or no coverage.

Call 515-512-1313 for a free no obligation quote.

Golf Cart: (Where you drive it and where you keep it matters.)

• Do you own a golf cart?
• Do you use it anywhere besides your home?
• Do you take it to campgrounds, vacation properties, or communities?

Call LFG Insurance Services 515-512-1313.

We can conduct a Personal Insurance Review to ensure you have no gaps in coverage.

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.