Insurance Gurus LLC

Introducing new Agent/Guru, Bryce Miller! Bryce comes to Insurance Gurus with five years experience at GEICO insurance where he was a corporate trainer. He graduated from the University of Iowa with a BS in Sports and Recreation Management and received his MS at Western Illinois University. Bryce and his wife Chloe celebrated their first baby in June. He's excited about being a local agent and helping you with your insurance needs. Please welcome Bryce!

Inclement weather is coming, get your AAA on! Call us before Nov. 30th for this half price offer. 319-200-4878.

Geico and Progressive seem to be a price war on auto insurance at the moment. I can quote both and see which one is best for you! 😀

We just added Geico auto insurance!

Insurance Gurus was asked to comment on how California wildfires could affect insurance rates in Iowa.

California wildfires could impact Iowa insurance rates

How to avoid hitting a deer. See link in comments

Most of us know by now that property insurance is changing rapidly. With the increasing occurrence of severe weather, the days of insurance paying for "everything" is vanishing. Not only have rates increased, but how much is covered by insurance has decreased. An example is in the latest AAA home policy for Iowa. Insurance now pays only for the storm damaged portion of your roof or siding.

It will no longer pay for the existing undamaged material that is mismatched due to: "a. color differences due to fading, oxidation, rust, corrosion or weathering; or b. obsolescence, unavailability or discontinuation of existing materials."

The fading and weathering exclusion isn't new, but "discontinuation of materials" is new and it can be a big coverage gap for homeowners with outdated shingles or siding.

Some might ask, but doesn't Iowa have a "line of sight law" that requires insurance to replace all that is necessary to result in a reasonably uniform appearance within the same line of sight? Yes, however the code also states this applies when "not otherwise excluded in the policy."

The bottom line is you may have to live with mismatched materials or pay to replace the undamaged portion yourself after the next storm.

It's heartbreaking to see Cedar Rapids' oldest restaurant and last remaining supper club, burn down. Hoping for a full recovery!

Congratulations to Nationwide!

J.D. Power finds Nationwide is #1 in Customer Satisfaction among Usage-Based Insurers About the JD Power award: The J.D. Power 2024 U.S. Auto Insurance Study, measures customer satisfaction with auto insurance in 11 geographic regions. A separate category addresses usage-based insurance (UBI) and participants’ satisfaction with their insurer’s usage-based auto products—Nationwi...

Who's responsible when a neighbor's tree falls on your property?

Homeowner struggles to pay for storm damage after Monday’s derecho Some people across Eastern Iowa are still dealing with storm damage after Monday’s thunderstorms and a derecho.

Congratulations Koffi and Jackie on your beautiful baby girl!