Frequently asked questions
Our Insurance Products
Get a personalized policy solution with Horak Insurance, Inc.. Our agents will take the time to understand your auto coverage priorities whether your household residing in Washington includes a first-time driver, specialty vehicle, or specific financial concerns. No matter what your priorities, the versatile policy options and coverage programs from Nationwide have enabled Horak Insurance, Inc. to serve motorists in neighborhoods across Washington.
Looking for additional motorist services? Rental reimbursement, towing and labor and roadside assistance offer peace of mind should the day come when your vehicle has seen one too many Washington winters. Or maybe you're looking for more affordable coverage. Talk to Horak Insurance, Inc. or one of our other agents about available policy discounts. This includes discounts such as family plans and good student discounts, as well as anti-theft and defensive-driving incentives. Plus, there's more than one way to create coverage that's easier on the pocketbook. The Vanishing Deductible® program rewards Washington drivers for each year of claims-free driving.
Better yet, shopping for auto insurance doesn't need to take a bunch of your time or patience. Get a policy recommendation quickly and confidently with Horak Insurance, Inc.. Call us at (319) 653-2116 to discuss coverage details and to buy a policy directly over the phone. You can also schedule a visit with our 115 E Washington St office.
Buying home insurance does not have to be a difficult or confusing process. When you speak to the experienced professionals at Horak Insurance, Inc. in Washington, you can rely on clear, comprehensive, and accurate information to help you make the right choices for you and your family. We will help you recognize the pros and cons of each specific policy, so you are empowered to choose the one that offers the best coverage.
When you buy home insurance, you want peace of mind, not unpleasant surprises. For this reason, our agents are happy to explain all exclusions as well as the full extent of potential coverage before you make a decision as to your policy purchase. Horak Insurance, Inc. is available to discuss the variety of Nationwide home insurance products and to craft an individual policy that addresses the unique risks you face. Visit the office on 115 E Washington St or give us a call at (319) 653-2116 to find out the different ways in which you can customize your policy.
Your insurance policy should offer you the full coverage you need, without leaving you with coverage gaps or surprise exclusions. When you fully understand the policy provisions, you have the power to make the right choices to protect your family's financial security. Get in touch with Horak Insurance, Inc. and find out what you can do to protect your home today.
Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Washington life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
The agents at Horak Insurance, Inc. will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call (319) 653-2116 and ask for Horak Insurance, Inc. or visit us at 115 E Washington St,Washington,IA,52353. We will be happy to work with you to make sure your family’s financial security is always protected.
Even if you're opening a new business and money is tight, having some type of business insurance is crucial. Horak Insurance, Inc. in Washington offers a variety of protective solutions such as property insurance, general liability, and commercial auto. While a basic plan may cover you for awhile, we will review your business needs on a regular basis and make recommendations as you expand and add on employees. Some supplemental options that you may be interested in as your company grows include workers compensation, cyber liability, business income coverage in case of an interruption, accounts receivable, equipment breakdown, and protection against theft, forgery, and fraud.
We pride ourselves in offering customizable policies to fit every business's needs, which is why we will ask you a number of different questions. Horak Insurance, Inc. will discuss the location of your business, how you operate your company, if you have any employees, the stability of your business, and what you expect for future revenues. Depending on your particular situation, you may also be asked about contractual agreements, specific employee information, prior loss details, and building details. Our goal is to make sure you are properly protected against loss without adding a financial strain to your bottom line.
Insurance lingo can be a bit confusing, so we will always go over your policy and make sure that you understand what everything means and exactly what is covered if you need to file a claim. You can make an appointment in our office, which is located at 115 E Washington St, or you can speak with us over the phone at (319) 653-2116.
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 Horak Insurance, Inc. also offers products in AZ. Please call for information on products in those states.
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