The State Agency

The The State Agency in Spirit Lake, IA provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  The State Agency has been helping Spirit Lake drivers find better auto insurance coverage since they first opened their doors. Let our agents make sure your policy includes covered damages and claim limits that make sense for the financial protection of your household. Local motorists who come to The State Agency will also know that we've searched for and applied each qualifying policy discount. Some of the possibilities include good student, anti-theft and multi-policy discounts.
  
  No amount of defensive driving can prevent every accident, but it is possible to get coverage for a huge range of potential damages. From a list of qualified car repair shops in the Spirit Lake area to Nationwide's AutoWatch® program, the On Your Side® Claims Service is ready should you ever need it. In the meantime, consider rewarding yourself for each year of claims-free driving with the Vanishing Deductible program.
  
  The State Agency can answer questions about coverage limits, policy options or billing schedules. Our expertise and Spirit Lake auto insurance options also include customized solutions for individual households and specialty vehicles. Call us at (712) 336-2455. Choose coverage and buy a policy over the phone, or schedule an appointment with our local office. The State Agency is located at 1902 Hill Ave.

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• Home Insurance

  Although you don't expect it, you know that a natural disaster can happen or that a break-in might occur, resulting in a loss of valuables or damage to your home. There are even emergencies that arise from installing a pool system or living in different areas. Having a good home insurance policy in place will go a long way toward providing the kind of reassurance you need to get through a rough time, making any claims process stress free and easy. You can rely on the professionals at The State Agency to put together a policy that will afford protection for your home, your possessions, and your family.
  
  We have teamed up with Nationwide to offer a wide range of home insurance options and to make it easy for you to obtain a quote. Perhaps you have freestanding structures such as a garage, a pool house, or a gazebo that need to be added to your home insurance policy. You also may want contents coverage for your furniture or clothing. You should consider the value of having a personal umbrella policy that provides higher amounts of coverage for bodily injury and property damage to others to bring peace of mind all year round.
  
  We also provide an excellent claims service to help you get back to normal following a loss, and our discount program is available to save you even more. To learn about our policies, just call The State Agency at (712) 336-2455, or drop by our office at 1902 Hill Ave.

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• Business Insurance

  One of the best gifts that business owners can give themselves is peace of mind. To that end, The State Agency has teamed up with Nationwide to offer a wide range of business insurance solutions in Spirit Lake. We have options geared toward business type, for example, funeral home, print shop, coffee shop, golf course, beverage wholesaler, and much more. We also recognize that each business, regardless of industry type, has unique needs and wants.
  
  When exploring insurance coverage choices, a good place to start is with an On Your Side® Review. The State Agency looks at your business to identify considerations such as size, location, customer base, and more. We make suggestions for your insurance coverage options based on the review and on our experience of businesses of that type. Whether you work in food and beverage, retail, contracting, wholesaling and distributing, or something else, we can meet most, if not all, of your insurance needs. Some of our additional insurance coverage options include accounts receivable, cyber liability, umbrella, and income loss coverage due to an interruption. An On Your Side® Review may identify factors such as auto insurance that you may not have thought of. Ideally, you gain the peace of mind that your business will remain stable.
  
  Take an important step today and stop by the The State Agency office at 1902 Hill Ave. Alternatively, give us a call at (712) 336-2455 to begin investigating your insurance coverage options.
  
  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 The State Agency also offers products in IA, MN, SD. Please call for information on products in those states.