The Wegner Insurance Agency is locally owned and operated and delivers insurance and risk management solutions in Northeast Iowa as well as the rest of the state. We've provided invaluable products and services to individuals and businesses for decades and we know local markets and laws and the needs of residents. We offer a wide variety of insurance programs, each of which is broad and flexible, and we're proud of these programs as they keep policyholders protected and provide the greatest possible value.
We have the ability to partner with different insurance carriers to bring diverse and extensive coverage options to our clients. These options allow clients to tailor their plans to their individual needs, and this is important because tailoring coverages is a critical part of making an insurance plan effective. The programs that we offer include home, auto, and life insurance on the personal side and farm, general business, and employee coverage on the commercial side.
In addition we also have health insurance, disability, long term care insurance, Medicare Supplement Insurance and Prescription Drug Plans.
We have the ability to partner with different insurance carriers to bring diverse and extensive coverage options to our clients. These options allow clients to tailor their plans to their individual needs, and this is important because tailoring coverages is a critical part of making an insurance plan effective. The programs that we offer include home, auto, and life insurance on the personal side and farm, general business, and employee coverage on the commercial side.
In addition we also have health insurance, disability, long term care insurance, Medicare Supplement Insurance and Prescription Drug Plans.
Services
Serving customers in Sumner, Tripoli, Waverly, Waterloo, Cedar Falls, West Union, and Des Moines.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Serving customers in Sumner, Tripoli, Waverly, Waterloo, Cedar Falls, West Union, and Des Moines.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
Serving customers in Sumner, Tripoli, Waverly, Waterloo, Cedar Falls, West Union, and Des Moines.
While farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, they also need insurance that is specifically related to the business they run.
Some farms make all or most of their profits through the crops that they grow.
When a disaster, such as a tornado, wildfire or flood strikes and the crops they depend on are devastated, crop insurance can reimburse them for the losses they face.
While farms need the standard types of insurance policies that other businesses need, such as property insurance and general liability coverage, they also need insurance that is specifically related to the business they run.
Some farms make all or most of their profits through the crops that they grow.
When a disaster, such as a tornado, wildfire or flood strikes and the crops they depend on are devastated, crop insurance can reimburse them for the losses they face.
Serving customers in Sumner, Tripoli, Waverly, Waterloo, Cedar Falls, West Union, and Des Moines.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Supplemental Medicare, or Medigap, is a plan sold by private insurance companies to fill in the coverage gaps and deductibles that Original Medicare does not cover.
For instance, if Medicare covers 80 percent of a doctor's visit, Medigap will cover the remaining 20 percent.
With Supplemental Medicare, there is little additional cost to you for health care beyond your premium.
Medigap policies are standardized and regulated by law.
This means that each company must offer the same plans (Parts A-N) with the only difference being the price.
For instance, if Medicare covers 80 percent of a doctor's visit, Medigap will cover the remaining 20 percent.
With Supplemental Medicare, there is little additional cost to you for health care beyond your premium.
Medigap policies are standardized and regulated by law.
This means that each company must offer the same plans (Parts A-N) with the only difference being the price.
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