American family insurance ames iowa American Family Insurance Locations – Hours Near Ames, IA

American family insurance ames iowa

*******

American Family Insurance in Ames, IA

YP – The Real Yellow Pages SM – helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business’s suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.

American Family Insurance

• (800) 994-6308

American Family Insurance – Jon Fuhs Agency

406 Main St Ste 102, Ames, IA 50010

American Family Insurance – Angela Laughlin Agency

3505 Lincoln Way Ste 103, Ames, IA 50014

1. American Family Insurance – Angela Laughlin

4720 Mortensen Rd Ste 104 Ames, IA 50014

2. American Family Insurance – Jon Fuhs Agency

406 Main St Ste 102 Ames, IA 50010

3. American Family Insurance – Katie Frame Agency

809 Wheeler St Ste 108 Ames, IA 50010

4. American Family Insurance – Scott Lawrence Agency

2713 Stange Rd Ste 101 Ames, IA 50010

5. American Family Insurance – Angela Laughlin Agency

3505 Lincoln Way Ste 103 Ames, IA 50014

6. American Family Insurance

I’m just writing this review so I can see the other user reviews, I have not worked or dealt with American Family Insurance and I’m just trying to s…

7. American Family Insurance – Don Khongmaly Agency Inc

2706 Grand Ave Des Moines, IA 50312

8. American Family Insurance – Theron Moore Agency

922 8th St Boone, IA 50036

9. American Family Insurance – Darrin Eilander Agency

131 N Ankeny Blvd Ankeny, IA 50023

I had a motorcycle insured with this agent for 2yrs, full coverage. for some odd reason was dropped with no warning and no reason other then darri…

10. American Family Insurance – Lisa Schmitz Agency

131 N Ankeny Blvd Ankeny, IA 50023

11. American Family Insurance – Amanda Stahl Agency

5500 Merle Hay Rd Ste C Johnston, IA 50131

12. American Family Insurance – Vance Whitwer Agency

301 1st Ave S Altoona, IA 50009

13. American Family Insurance – Jeff Shaw Agency

7020 Douglas Ave Ste F Urbandale, IA 50322

14. American Family Insurance – L. A. Olsen Agency, Inc.

7017 Hickman Rd Ste B Urbandale, IA 50322

15. American Family Insurance – Jared Frank Agency

8450 Hickman Rd Ste 14d Clive, IA 50325

16. American Family Insurance – Liajdub Vang Agency

8350 Hickman Rd Ste 120 Clive, IA 50325

17. American Family Insurance – Liajdub Vang Agency

8521 Hickman Rd Urbandale, IA 50322

18. American Family Insurance – Ana Sanchez-Drag

3900 E 14th St Ste 19 Des Moines, IA 50313

19. American Family Insurance – Gene Mattise Agency

1100 N Hickory Blvd Ste 202 Pleasant Hill, IA 50327

20. American Family Insurance – Tycha Black Agency

741 2nd St Webster City, IA 50595

21. Applebee’s

105 Chestnut St Ames, IA 50010

From Business: Applebee’s Neighborhood Grill & Bar offers a lively casual dining experience combining simple, craveable American fare, classic drinks and local drafts. Now that’…

22. Hickory Park Restaurant Co – Catering

1404 S Duff Ave Ames, IA 50010

If you head up to Ames and dine at Hickory Park, you won’t be going home hungry. If you get a dinner, you will get generous sized portions on a larg…

23. Aunt Maude’s

547 Main St Ames, IA 50010

Best place in Ames without any real competition. The level of artfulness with comfort food is unlike any other in the area, if you can get a seat.

24. Country Kitchen

104 Chestnut St Ames, IA 50010

25. Perkins Restaurant & Bakery

325 S Duff Ave Ames, IA 50010

This place is the BEST!! We have been going there once a week after our daughter’s therapies. They are always right on top of things. They know …

26. Olde Main Brewing Company

316 Main St Ames, IA 50010

From Business: Olde Main Brewing Company & Restaurant includes a restaurant, brewpub and brewery. It serves a variety of handcrafted entrees for lunch and dinner, as well as bre…

27. Red Lobster

1100 Buckeye Ave Ames, IA 50010

I had the New York Strip center-cut, yesterday at the Red Lobster in Ames. Excellent cut of meat, cooked to medium perfectly, and served piping hot.…

28. Country House Family Restaurant

68168 Us Highway 30 Colo, IA 50056

29. The Fletcher Full Service Kitchen + Bar

1802 N Ankeny Blvd Ankeny, IA 50023

From Business: ANKENY’S greatest neighborhood restaurant!.

30. Bakers Square

123 N Ankeny Blvd Ankeny, IA 50023

We found 74 results

Is a Certified Pre-Owned Car Better Than a New Car? »

A CPO program gives the consumer the security of an automaker’s guarantee and warranty, with the cost savings of buying a used car…

What Should I Do When My Car Dies on the Road? »

Four tips for keeping yourself and your vehicle safe while you wait.

Eight Things You Could Be Doing Wrong With Your Car Seat »

We have a few tips from The Car Seat Lady co-founder Dr. Alisa Baer to keep your kids safe on the road.

Allstate Insurance Company

• (877) 421-6619

How much could you save? Call for free quote now!

Tips & Advice

What is errors and omissions insurance?

Errors and omission insurance covers business-related mistakes that lead to injury of a third party, such as neglecting to file important papers.

What are the different types of business insurance?

While property, liability and workers’ compensation are the most common types of business insurance, other types include property, business interruption, and errors and omissions.

What is not covered by business insurance?

Business insurance does not cover professional liability (due to poorly performed work), the purchase of replacement equipment, vehicle accidents not related to work, or business lost due to damaged equipment.

What does business insurance usually cover?

Business insurance generally covers accidental property damage, accidents resulting in injuries to employees or customers, the products you sell, or copyright issues.

What factors impact the cost of business insurance premiums?

Factors impacting the cost of business insurance premiums include the type of business, the risk involved, the size and number of employees, your experience in the industry, and location.

Is business insurance the same as professional insurance?

No. Business insurance covers general legal issues such as injuries that occur on your property and property damage. Professional insurance covers lawsuits focused on service such as charges of negligence, contractual disputes, etc.

How much does business insurance cost?

The amount of coverage you require may depend on your industry, location, and the risk involved. On average, the general annual cost of business insurance for a company with 10 or fewer employees is $741.

Can I deduct business insurance from my taxes?

You can deduct business insurance from your taxes as long as the insurance covers the business and its operations, and not personal insurance or personal loss-of-income.

How do I make a business or commercial insurance claim?

In the event of an incident that results in financial loss, contact your insurance company immediately and give details of the incident, including when it occurred, where, witness names and contact information, and other important information.

What is business insurance?

Business insurance covers a company for financial losses related to related events, including injuries that occur on your property or are caused by you or your employees, such as property damage.

Allstate Insurance Company

• (888) 431-3748

How much could you save? Call for free quote now!

Serving the Ames area.

• (877) 229-9777

You could save 15% or more on car insurance.

• (800) 331-0443

You could save 15% or more on car insurance.

• (800) 331-0587

You could save 15% or more on car insurance.

Direct Auto & Life Insurance

• (877) 777-3245

Contact Us Online or by Phone-Locations Near You!

State Farm

• (866) 276-1219

Affordable Health Coverage

Serving the Ames area.

• (800) 749-6497

DON’T OVER PAY FOR HEALTH COVERAGE

Diversity Insurance Inc.

1541 E Grand Ave, Des Moines, IA 50316

• (515) 505-1899

Auto, Home, Life & Business Insurance Experts

Liberty Mutual

Serving the Ames area.

Serving the Ames area.

• (877) 294-7187

You could save 15% or more on car insurance.

American Family Insurance

• (800) 994-6308

All Your Protection Under One Roof!

Serving the Ames area.

• (800) 550-2513

You could save 15% or more on car insurance.

Serving the Ames area.

• (800) 550-5298

You could save 15% or more on car insurance.

• (800) 331-9790

You could save 15% or more on car insurance.

Allstate Insurance Company

• (877) 649-2206

How much could you save? Call for free quote now!

UnitedHealthcare

Serving the Ames area.

• (855) 828-8942

Whatever your Medicare needs, we can help you.

Serving the Ames area.

Allstate Insurance Company

• (844) 797-6789

How much could you save? Call for free quote now!

SelectQuote Senior

Serving the Ames area.

Answer Financial

Serving the Ames area.

GEICO Insurance

Brandon Geise – State Farm Insurance Agent

617 Broad St, Story City, IA 50248

Mark Doyle – State Farm Insurance Agent

2701 Stange Rd Ste 110, Ames, IA 50010

Meg Dobson – State Farm Insurance Agent

515 Grand Ave Ste 104, Ames, IA 50010

Pat Brown – State Farm Insurance Agent

1112 Buckeye Ave, Ames, IA 50010

Scott Richardson – State Farm Insurance Agent

101 Main St, Ames, IA 50010

Scott Richardson – State Farm Insurance Agent

1111 6th St, Nevada, IA 50201

Randy Highness: Allstate Insurance

516 Lincoln Way Ste B, Ames, IA 50010

American Family Insurance – Angela Laughlin Agency

3505 Lincoln Way Ste 103, Ames, IA 50014

While my interactions with Mark have been friendly and professional, I find the service to be lacking. I average over 60 hours per work week. When asked to come in to “review my policies,” I thought it was a nice idea but an unnecessary task, as nothing had changed in my life to impact my policies. After insistence from the Mark Doyle office, I agreed to arrange the meeting. At the meeting, my policies were indeed reviewed. Mark assured me that he would get me the most coverage for what I was paying (renters insurance has a minimum yearly fee). That was a considerate thing for him to do. However, in adjusting the renters insurance, he unknowingly increased my policy above the minimum fee. I found this out later when I received a bill for the balance due (I had already paid the year coverage in full months earlier). Trying to rectify this situation has been difficult to say the least. After speaking to Ally on the phone, I have been told that my coverage has been adjusted back to the amount I had paid for, but I am still responsible for some amount of the recent unfounded bill. She said that she would not know how much until she spoke with a different department, and I would find out in anywhere from 4 to 45 days. That bears repeating: It may be 45 additional days before this is resolved. This is for a mistake made by Mark Doyle during a meeting I hadn’t wanted in the first place. Needless to say, this has been a frustrating situation. When I have some spare time (more spare time than it takes to write a review online), I will look for insurance elsewhere.

Insurance Basics

To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.

Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

Insurance Agents
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.

While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.

Insurance Products

Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.

Automotive Insurance
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It’s important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.

Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.

Homeowners Insurance
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.

Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.

Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.

Health Insurance
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.

Life Insurance
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you’re still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.

Travel insurance
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it’s losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.

Pet insurance
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.

Umbrella insurance
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.

Insurance Claims Basics

To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.

Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It’s important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.

Auto Insurance Claim: If you’re involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It’s also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver’s name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder’s death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.

Finding Discounts on Insurance

Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.

Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you’ve chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.

Buy Only What You Need
Insurance agents will often try to “upsell” on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.

Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.

[youtube

*******
SOURCE:

The post American family insurance ames iowa American Family Insurance Locations – Hours Near Ames, IA appeared first on INSURANCE.

http://insurance.remmont.com/2020/06/17/american-family-insurance-ames-iowa-american-family-insurance-locations-hours-near-ames-ia-2/