Arbor Bank | Insurance

At First Express Insurance, we make the process simple. We're focused on making sure you receive the best coverage and service in the industry.

We represent multiple insurance companies which gives us the ability to find the right coverage at the right price for you. Our goal is to understand your risk and find the insurance product that best fits your needs. It’s not always about adding more insurance coverage, or more premium dollars. It’s about understanding what’s at stake and what we can do to help.

We offer a full suite of insurance products.
Below are just a few of the insurance coverages we can provide:

Auto Insurance
Home Owner's Insurance
Umbrella Insurance
Farm & Crop Insurance
Business Insurance
Life Insurance

Contact an agent at 800-245-2645

or email us

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First Express Insurance is a division of Arbor Bank. Insurance products are not deposits, not FDIC-insured, not guaranteed by the bank, and not insured by any federal government agency.

Looking for Auto Insurance in Iowa & Nebraska?

First Express Insurance has you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

You’re at risk every single time you get into your car.

It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums. Because First Express Insurance is 100% independent, we can compare your current coverage with a wide range of insurance providers.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover can vary drastically from company to company.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

Property Damage

Suppose you damage someone’s car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you understand.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either uninsured or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.

Car — the type of car, engine size, safety features, etc.. are all part of determining the rate

Driving History — your driving record and loss history plays a substantial role in the price. If you have a questionable driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old

Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

How to get started with your car insurance quotes

If you live in Iowa & Nebraska and are looking for a car insurance comparison, First Express Insurance makes the process of finding the best company easy. We do all the heavy lifting for you!

To get started on your quote, call our office or send us an email.

Need a Homeowners Insurance comparison in Iowa & Nebraska?

If you’re like most homeowners in Iowa & Nebraska, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

First Express Insurance can help you find the homeowners insurance that will meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Regardless of whether you live in Iowa or Nebraska, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

Homeowners Insurance

If you’re not using an independent agent in Iowa or Nebraska like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a covered loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc.

Let's get you covered!

To get started on your quote, call our office or send us an email.

Insurance

At First Express Insurance, we make the process simple. We're focused on making sure you receive the best coverage and service in the industry.

We treat you like family, not a transaction. Contact us today to get started.