Sands Insurance

HVAC season in Iowa keeps your trucks on the road constantly. Checking the fine print on your commercial insurance policy is probably not on your to-do list today.

That missing detail can cost you big time. Standard policies often leave massive gaps. Things like faulty workmanship or water damage from a bad condensate line can trigger claims that basic general liability simply ignores.

One missing coverage line could mean thousands of dollars out of pocket.

Let's fix that. Getting a second opinion on your coverage is free and fast. The goal is to make sure your business is actually protected. Sands Insurance will shop the market to find the exact coverage you need without the sales pitch.

Send a direct message to book a quick 15-minute policy review.

Summer is here. But most Iowa homeowners have not thought about what that means for their insurance. 🌞

Here are 3 things to check before the season gets going. Swipe through 👉

🏊 Pool and trampoline liability
If you added one this year, tell your agent. Some carriers exclude coverage for these entirely. An injury on your property could come out of your pocket if it is not on your policy.

🚜 Seasonal equipment
Lawn tractors, ATVs, and boats are not automatically covered under your home policy. Each one may need a separate endorsement.

⛈️ Storm and hail season
Iowa summers are rough. Make sure your dwelling limit still reflects what your home is worth today. Rebuilding costs have gone up significantly since most people last updated their policy.

Takes 15 minutes to check all three.

DM us SUMMER or call 515-965-2429. Free home review, no pressure.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

If you are in your 30s and keep putting off life insurance, this one is for you. 👇

The difference between buying at 35 vs 45 is not small.

Same coverage. Same company. Just a different age.
💚 Buy at 35: around $25 per month
💙 Wait until 45: around $55 per month
❌ Extra cost over 20 years: around $7,200

That is $7,200 extra just for waiting a decade.

The younger and healthier you are when you lock in a rate, the lower it stays for the entire term. Waiting does not just cost you now. It costs you every single month for 20 years.

Swipe through to see the full breakdown 👉

If you have been putting it off because it feels complicated or expensive, a quick conversation usually changes that.

DM us LIFE or call 515-965-2429. No pressure, no jargon, just straight answers.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

Your business changed this year. Did your insurance keep up? 👇

Most contractors update their policy once and never touch it again. But your coverage needs to match your business today, not the one you had three years ago.

Here are 3 things that should trigger a policy update right now. Swipe through 👉

👥 You added crew or changed your payroll
Workers comp premiums are based on payroll. Get this wrong and an audit hits hard.

🔧 You bought new equipment or vehicles
If it is not scheduled on your policy, it is not protected. New gear is not added automatically.

🏗️ You took on bigger or different jobs
A policy built for residential work may leave you exposed on a commercial contract.
If any of these apply, it is time for a quick review. Free, 15 minutes, no pressure.

DM us MIDYEAR or call 515-965-2429.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

Not all insurance agents work for you. Here is the difference. 👇

When you call a captive agent, they have one company and one set of rates. If that company raises your premium or is not the right fit, their hands are tied. They work for the insurance company, not for you. 🔒

An independent agent works for you.

At Sands Insurance, I am not tied to a single carrier. I shop across dozens of companies to find the coverage that actually fits your situation and your budget.

🔑 If one carrier is not competitive anymore, I find one that is.
🔑 If your needs change, I adjust your coverage across the whole market.
🔑 If you have a claim, I am on your side, not the insurance company's.

Want an agent who works for you? DM us or call 515-965-2429.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

Most Iowa contractors think their tools are covered under their GL policy.
They are not. 🔧
GL covers damage you cause to others. It does not cover your own equipment. That is a completely separate coverage and most policies do not include it automatically.

Here are 4 things to check on your policy right now. Swipe through 👉
✅ Is tools and equipment coverage actually listed in your policy?
✅ Is your coverage limit enough to replace everything you own today?
✅ Does it cover theft from your vehicle overnight?
✅ Is your deductible so high that small claims are not even worth filing?

One gap in any of these four areas and you are covering the loss yourself. 💸

Not sure where your policy stands? DM us the word TOOLS and we will check it for free. No sales pitch, no obligation.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com

You drive to job sites. You run business errands. You haul equipment in your personal vehicle.

But here is the question most Iowa drivers never think to ask. 🤔

Is your personal auto insurance actually covering you when you do that?
Here is what most people do not know.

Personal auto insurance has a business use exclusion. ⚠️

If you are using your car for work purposes and you get into an accident on the way to a job site or while running a business errand, your claim could be denied.

Not partially covered. Fully denied.

Your insurer will ask what you were doing at the time of the accident. If the answer is anything work related, a standard personal auto policy may not pay out a single dollar.

This catches a lot of Iowa families and self employed people completely off guard. 😟

The fix is simple. You need either a business use endorsement added to your personal policy or a separate commercial auto policy depending on how often and how heavily you use the vehicle for work.

But you have to ask for it. It does not get added automatically.

As an independent agent I review this every time I look at a client's policy. You would be surprised how many people are driving around fully exposed without knowing it.

If you use your personal car for work even occasionally, let us take a look. 👇

15 minutes. Free. No pressure.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com

Most business owners in Iowa haven't looked at their insurance policy in over a year.

Not because they don't care. Because nobody told them they should. 🤷

Here's what happens in the meantime.

Your business grows. You add crew. You buy new equipment. You take on bigger jobs.
But your policy stays exactly the same as it was on day one.

That is not coverage. That is a false sense of security. ⚠️

One denied claim is all it takes to find out what your policy actually covers versus what you assumed it covered.

Here is the part most people miss.

Insurance companies do not remind you to review your policy. Auto-renewal is good for them, not for you. 📋

An independent agent shops the whole market. A captive agent sells you one company's products and calls it a day.

The difference matters when it is time to file a claim.

That is exactly why we offer a free policy review for Iowa contractors and homeowners. 🙌

15 minutes. We look at what you have, tell you where the gaps are, and check if a better rate exists with a different carrier.

No sales pitch. No obligation to switch. Just a straight answer from a local, independent agent right here in Ankeny.

If your policy has not been reviewed in the last 12 months, comment REVIEW below or send me a direct message. 👇

First come, first served.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com