Frequently asked questions
Our Insurance Products
Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Hartsock Insurance Services Inc.. We work with Nationwide to bring you excellent service and coverage in Creston.
Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance.
Give Hartsock Insurance Services Inc. or another experienced agent a call today at (641) 782-8516. Drivers can discuss options over the phone or in person at 800 S Vine St.
Long before it's time for your first house-warming party, make sure you get home insurance coverage from Nationwide and Hartsock Insurance Services Inc.. Our agents can help you take care of this essential step of becoming a Creston homeowner. They can also help long-time homeowners search for a better solution to their home insurance needs.
Along with sound decisions about covered damages and claim limits, there are a number of ways to personalize and save on your Creston homeowner's policy. Concerned about an aging roof and what's going to happen when it needs to be replaced? Nationwide's exclusive Better Roof Replacement® may be a great choice for your policy. Have any high-value possessions? More than just the dwelling and essential contents, Valuables Plus® may be an important policy addition. Explore, too, options to add smoke detectors, burglary alarms, or other qualifying devices to your home.
Best of all, it doesn't need to take endless hours to research and agonize over these decisions. Let one of our Hartsock Insurance Services Inc. agents demystify the process without oversimplifying it. Call us at (641) 782-8516 to discuss your property and policy coverage. All of our Creston customers are welcome to make an office appointment, but especially if you live in the 50801 area, it might be just as easy to swing by and talk about your coverage in person. It's all part of the flexibility and customer service you can expect from Hartsock Insurance Services Inc..
Whenever you have any major change in your life, you should reassess your insurance needs. Marriage is one such occasion. Along with wedded bliss come new concerns and new responsibilities. You should take steps now to make sure that you and your spouse’s financial needs will be fully taken care of should the worst happen.
We at Hartsock Insurance Services Inc. are here to help newlyweds in the Creston area. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.
In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. We will help you determine the amount and length of coverage that is optimal for your circumstances.
After marriage, life gets busy. You should make sure, however that you are not too busy to take action now to assure a financially-secure future for yourself or your spouse years down the road. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now.
Call Hartsock Insurance Services Inc. at (641) 782-8516. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 800 S Vine St.
As a small business owner in Creston, the need for you to have a solid business insurance policy protecting your business cannot be overstated. You no doubt put a lot of time and effort into growing and sustaining your business, so why risk its future by not protecting it and yourself against any and all obvious and unforeseen risks? With the help of our team here at Hartsock Insurance Services Inc., we can help you secure coverage through Nationwide, one of the country's most respected insurers.
When it comes to business insurance, your primary concern should be getting the right amount of coverage for your company. You certainly don't want to leave any potential gaps in your coverage, yet at the same time, you don't want to overpay either. Fortunately, Nationwide is with you when it comes to finding your ideal insurance package. An agent will be happy to sit down with you and take an inventory of all of your current business assets. The amount of replacement coverage that you'll need will then be determined by the replacement value of those assets. Next, you'll review the types of services that you offer, as well as the risks that your employees and customers are exposed to. Your liability coverage needs are then determined from there.
Selecting the appropriate types and amounts of coverage needed to protect your small business doesn't need to be difficult, particularly when you have the help of an experienced agent. We at Hartsock Insurance Services Inc. can provide that experience in helping you create a policy through Nationwide that's customized to fit your unique needs. To schedule an appointment to discuss your business insurance options, call us at (641) 782-8516, or come by and see us on 800 S Vine St.
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.
The Hartsock Insurance Services Inc. also offers products in IA. Please call for information on products in those states.
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