Creative Insurance Concepts in Cedar Falls, IA

The Creative Insurance Concepts in Cedar Falls, IA provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Understanding the language of insurance policies can be difficult, which is why Creative Insurance Concepts focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Creative Insurance Concepts to fit any driver's needs in Cedar Falls.
  
  Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Creative Insurance Concepts understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
  
  To ask questions about coverage or to talk to Creative Insurance Concepts about other discounts you might qualify for, give our offices a call at (319) 277-4162. We are also able to make appointments for face to face consultations at our office located at 3903 Heritage Rd. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.

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• Home Insurance

  Modern home insurance coverage is not one-size-fits-all, but is instead based on the unique aspects of your home and living in Cedar Falls. Some physical components to consider when covering your home are detached additions, like pools and sheds.
  
  Another aspect of home insurance is covering the belongings on the inside, the ones that are most valuable or the most important to you. For expensive works of art, antiques or jewelry, there is our Valuables Plus® coverage. If the unforeseen does happen, you can be covered with our Brand New Belongings® program which aids in the repair or replacement of your covered belongings. Whether you're covering priceless memories or expensive boutique items, Creative Insurance Concepts and all our other local agents want to make sure you get the best coverage possible.
  
  The sheer number of coverage options and discounts can seem overwhelming, but not when you have Creative Insurance Concepts to explain every step along the way. We're located at 3903 Heritage Rd, but you can also call us at (319) 277-4162 to schedule an appointment or just ask questions.

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• Life Insurance

  If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
  
  We at Creative Insurance Concepts are here to help people like you in the Cedar Falls area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
  
  When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
  
  You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
  
  Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (319) 277-4162 and ask for Creative Insurance Concepts. We are located at 3903 Heritage Rd,Cedar Falls,IA,50613 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
  
  
  LAW-0248AO (05/18)

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• Business Insurance

  If you need an insurance policy that will provide coverage to your small business, you aren't alone. That is why business owners across the country turn to Nationwide to help them with their insurance needs. Small business owners are unique individuals, so a one-size-fits-all policy may or may not provide the coverage you are looking for. Nationwide agents can educate you about our products and help you customize a well-suited insurance package for you and your business. With us at your service, there is no need to put up with policies that don't serve you any longer.
  
  Property and liability insurance can both be necessary to keep your business safe. Property insurance can protect your physical location from damages caused by natural disasters, theft, and other misfortunes, and liability protects you from lawsuits filed by injured customers or third parties [note: liability does not protect against employee injuries]. There is no need to purchase each of these policies separately since Nationwide offers business owners policies (BOPs) to many types of qualifying businesses. These policies provide all of the aforementioned coverage and more if you choose to add on to your package.
  
  In addition to the coverage mentioned above, Nationwide also offers cyber liability, crime, accounts receivable, and income loss coverage due to an interruption. If you are interested in our products, Creative Insurance Concepts in Cedar Falls can help you find the right one. Stop by your local Nationwide agency on 3903 Heritage Rd, or call (319) 277-4162 to learn more.
  
  Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Creative Insurance Concepts also offers products in AZ. Please call for information on products in those states.