Auto Insurance
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Minimum levels of liability coverage are required by law in most states.
The second part covers the car itself.
- Comprehensive coverage reimburses losses from fire, theft, or other perils
- Collision coverage pays to repair losses caused by an accident Often this type of coverage is mandated by leasing companies or banks.
- Medical, car rental, property, and other coverages available.
Homeowners and Renters Insurance
For many people, their home is their most valuable asset. If you have tangible assets, you should have the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis.
- A named-perils policy covers only those losses specifically cited in the contract.
- The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader, and the burden of proof is on the carrier, not you, in the event of a loss.
Business Owners Insurance
BOP (Business Owners Package) policy contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business and the liability from your products and completed operations.
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage. These types of coverage are available under its own separate policy.
Life and Health Insurance
Life and health insurance are available for those unfortunate illnesses and deaths. Choosing the right policy can be a difficult and confusing procedure. A life insurance policy can give you and your family the peace of mind that they will be financially covered in the event of a loss. A life insurance policy should be properly planned to cover any debts, funeral costs, and loss of income that family members may encounter.
Having the right health insurance to fit your budget can save you from a catastrophic financial loss in the event of an illness. Individual health insurance plans are available for those that cannot obtain coverage through their employer.
Contact Premier Insurance Agency at (712) 726-3600 in Doon or (605) 934-2500 in Alcester.
- Not a deposit
- Not FDIC Insured
- Not Insured by Any Federal or State Government Agency
- Not Guaranteed By the Bank
- May Go Down in Value
Crop & Farm Insurance
Farm liability coverage covers you for damages because of bodily injury or property damage up to your policy limits. With the way farming has changed over the years, we have coverage that is specific to your operations.
Multi-Peril crop insurance can provide you with the peace of mind to protect your investment and hard work in the event of a bad year. Multi-peril crop insurance covers most crops from the unpreventable loss that may occur. Crop-Hail coverage is also available to protect you from an unfortunate hailstorm.
Crop Insurance Agents:
- Rock Valley: John Hoogendoorn (712) 476-9100
- Doon: Scott Postma (712) 726-3600
- Rock Rapids: Curt Kruger (712) 472-9100
- Alcester: Jaimey Schempp, Jared Driesen, and Jared Anderson (605) 934-2500
- Hudson: Jared Anderson (605) 984-2241