BLC Insurance
10546 Justin Dr, Urbandale, IA 50322
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Urbandale households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
10546 Justin Dr, Urbandale, IA 50322
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10546 Justin Dr, Urbandale, IA 50322
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3273 100th Street, Urbandale, IA 50322
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2924 104th Street, Urbandale, IA 50322
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2400 86th St, STE 30, Urbandale, IA 50322
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4566 114th St, Urbandale, IA 50322
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12421 Meredith Dr, Urbandale, IA 50398
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Learn about insurance coverage options specific to Urbandale residents.
Complete guide to auto, home, and umbrella insurance in Urbandale, IA. Learn about coverage requirements, costs, local agents, and flood insurance needs.
Home InsuranceGet comprehensive home insurance in Urbandale, Iowa. Learn about hail risk, storm coverage, average costs ($2,381/year), and how to protect your home.
Car InsuranceCompare Urbandale auto insurance rates averaging $98-180/month. Learn Iowa's 20/40/15 minimums, at-fault system, and coverage for I-35/80 commuters.
Iowa requires minimum liability coverage of $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $15,000 for property damage (written as 20/40/15). The state also requires uninsured/underinsured motorist coverage at the same limits unless you reject it in writing. However, most insurance experts recommend carrying significantly higher limits, as the minimums often prove inadequate after serious accidents.
Urbandale homeowners typically pay between $2,400 and $2,650 annually for homeowners insurance, which aligns with the Iowa state average. Your actual cost depends on your home's age, construction type, coverage limits, deductible, credit score, and claims history. Insurance costs in Iowa have increased 273% over the past 15 years due to severe weather risks including tornadoes, hail, and flooding.
No, standard homeowners insurance policies do not cover flood damage anywhere in Iowa. You need a separate flood insurance policy, typically through the National Flood Insurance Program (FEMA). This is particularly important in Urbandale given Walnut Creek's presence and the area's history of flooding. Even properties outside high-risk flood zones should consider flood coverage, as about 25% of flood claims come from moderate or low-risk areas.
Both options have merit. Local agents understand Urbandale-specific risks and can provide personalized service, while online carriers often offer competitive rates and convenience. The best approach is to get quotes from multiple sources—at least one or two local independent agents and one national direct carrier. Compare not just price but coverage options, customer service reputation, and claims handling before deciding.
If you have significant assets to protect—savings, home equity, retirement accounts—umbrella insurance is worth serious consideration. With Urbandale's median household income exceeding $113,000, many residents have accumulated wealth that could be at risk in a serious liability claim. Umbrella policies provide an additional $1-5 million in liability coverage above your auto and home policies for just $150-$300 annually, offering exceptional value for the protection provided.
Shop around and compare quotes from at least three different insurers, as rates vary significantly. Bundle your auto and home policies with the same carrier for multi-policy discounts. Raise your deductibles if you can afford higher out-of-pocket costs. Ask about all available discounts including good driver, claims-free, home security system, and continuous coverage discounts. Maintain good credit, as Iowa allows credit-based insurance scoring. Review your coverage annually and drop unnecessary options.
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