LFG Insurance Services

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.

Do you have a classic beauty? Whether yours is as nice as this one or a vehicle under construction. We can customize your coverage for exactly how you use your vehicle and for where you are in the build process. Call for a free no obligation quote. 515-512-1313

Did you get new Jewelry or a gift for Valentine's Day. Don't forget to consider scheduling what is important to you.

Valentine's Day is a time for celebrating love and exchanging meaningful gifts. If you've recently received (or given) jewelry, watches, or other valuable items this Valentine's Day, now is the perfect time to explore protecting them.

Why Consider Additional Coverage?

A typical homeowners insurance policy may not cover your more expensive items. Valuable Items insurance offers increased coverage for your most valuable items in the event they are lost, stolen or accidentally damaged.

With winter weather moving across several states, I wanted to take a quick moment to say stay safe and check in on loved ones.

If heating becomes an issue, especially if you own a modular or mobile home:
*Keep cabinet doors open under sinks to allow warm air to circulate around plumbing.
*Let faucets drip slightly during extreme cold to reduce the risk of frozen pipes.
*Know where the main water shut-off is and how to access it quickly.
*Avoid using space heaters unattended and keep them away from flammable materials.
*Do not use gas generators or propane heaters in doors.
*Be mindful of exposed wiring, extension cords, and overloading outlets.
*If leaving town, consider having someone check on your home periodically.

Most of all, take care of yourselves and check in on family members. The weather can be stressful, and its okay to slow down, stay warm and focus on safety first. This too shall pass.

Titled your home property to a Trust?

Why you need to update your homeowner’s insurance:

• Legal ownership has changed: When a house is put into a trust, the trust legally owns the property, not the individual owner.
• Coverage can be denied: If the homeowner’s policy still lists the individual owner instead of the trust, a claim could be denied because there is a disconnect between the policyholder and the legal owner of the property.
• Trustee is protected: Updating the policy ensures that the trustee is protected and that claims won't be delayed or denied due to ownership issues.
• Incorrect name is a common mistake: It is crucial to use the trust's exact legal name on the insurance policy, as even small discrepancies can cause problems during a claim.
What to do after placing your home in a trust
• Notify your insurance company immediately: Inform your insurance provider as soon as you transfer your property into a trust.
• Provide the correct information: Give the insurance company the trust's exact legal name as it appears on the trust documents.
• Request the proper endorsement: Ask to have trust added to the policy. Depending on your situation, you can have the trust listed as the "named insured" or as an "additional insured".
• Get written confirmation: Obtain written confirmation from your insurance company verifying that the trust is properly listed on the policy.

Wishing everyone a warm and wonderful Thanksgiving. 🍁🧡 Safe Travels.

Keep Your Fire Pit Fun - and Safe!

Nothing says "fall evening" like gathering around a crackling fire with friends and family. But before you strike that match, take a minute to make sure you're keeping it safe:

* Set up your fire pit a safe distance from your house and anything that burns.
* Watch the wind - even small ember can travel.
* Keep water or a fire extinguisher close by, just in case.
* Double- check the fire is out before heading inside.
*Teach kids to respect fire and keep matches out of reach.

A little extra care helps make sure your cozy night doesn't turn into a call to your local fire department and then your insurance agent.

Stay safe and enjoy the season.