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Personal Insurance

Mel Foster Insurance Tailored To Fit Your Needs!

Protect your assets and get the personalized coverage you need at a competitive rate. We offer coverage's for:

  • Vehicles
  • Homes
  • Boats
  • RVs
  • Motorcycles
  • Collector Cars
  • Snowmobiles

Your vehicles, home, TV, motorcycle, snowmobile and collector car can all be covered. Let the Mel Foster Insurance professionals design a personal insurance plan specifically tailored to your every need. We are your local one stop shop!

Our agents understand that each individual person and family has various needs. They will assist you in analyzing your personal needs and design a plan that is just right for you or your family. Mel Foster Insurance offers:

  • A well-trained service center
  • Outstanding customer service
  • Very Competitive pricing
  • A choice from a wide range of companies with A & A+ ratings
  • Personalized claims handling

New Requirement - Snowmobile owners need insurance card

The Iowa DNR is requiring all snowmobilers operating on highways (as defined by IA law) to have a proof of insurance card.  This is a new requirement this season.

Please make you are aware of the new law and the need to be able to provide proof of insurance when riding your sleds.  Homeowners' policies may not cover roadway usage and may not have a separate ID card.  Not only will your ID card meet the new requirement, but this would be a great time to increase your customer service by reviewing all the benefits of a specialized Snowmobile policy.

With a specialized snowmobile policy you would not only obtain the necessary liability coverage, but riders could obtain protection for their riding accessories from damage during riding and have access to round-the-clock roadside assistance for their sled, trailer and tow vehicle - all for a low rate.  These new laws affect all off-road vehicles.

Contact one of our Personal Insurance specialists today and let them "Make It Happen" for your family.

Tips For Buying A New Vehicle

You may already have an image in your mind of a new car with all those special features to make your driving experience more enjoyable. Before you make your dream a reality, here are some tips that could save you some sticker shock later on.

  • Estimate what price range you can afford. Know how much you can afford to put down and what you can afford as a monthly payment. Also consider the sales tax, registration and license fees, and insurance premiums.
  • Find a model that best suits your needs as far as how many people will you carry, how much cargo, what type of driving experience do you prefer, is fuel economy or performance more important to you, type of transmission, and how much traction do you need.
  • Pick the right model. A key to quick and efficient auto research is knowing where to go and how to evaluate the information you gather. Compare information on several different models that fit your criteria.
  • Check with friends and family members that have a vehicle similar to one you are looking at. Personal experience can give you insight into what it is like to live with a model you want.
  • Compare reliability, fuel economy, and safety on each model.

Click here for more information on buying a new or used vehicle.

Tips For Buying Your First Home

The home buying process can vary from state to state. Once you are able to strip away all of the unnecessary tips, hints, and other confusing data, there are really only five steps you need to follow to obtain your dream home.

  • Hire an agent. He or she is specially trained to work within your guidelines, to send you only listings you want, to recommend open houses to attend, and to provide information about houses that have not come on the market yet. Let them work for you.
  • Find a home to buy. It is recommended to look at a maximum of seven homes at a time. More than that will make your head spin.
  • Get pre-approved for a loan. It is always a smart idea to look for your new home knowing that you are already pre-approved for a certain amount that is within your price range.  Your agent can help you find a good mortgage loan or bank, then help you compare loans to find just the right one for your needs.
  • Negotiate the offer. It is a mistake to compare sales prices among homes for sale because sellers can ask any price they want. That doesn't mean the home will sell at that price. Your agent will provide you with comparable sales and examine pending sales. A good buyer's agent knows there is always more to an offer than its price, but price is most important.
  • Do a home inspection. In some states, a home inspection is done before buyers make an offer to purchase. In other states, a home inspection is a contract contingency, meaning that you as the buyer have the right to cancel the contract if some fault is found in the home. Click here to contact a Mel Foster Realtor to  learn more about the home buying process.

Call us at 563.359.5446 for additional information and/or with any questions or complete our form and we will contact you as soon as possible.