1. Information We Collect

In order to provide accurate Property & Casualty (P&C) insurance quotes, bind coverages, and service existing policies, we collect personal and property information from you and third-party consumer reporting agencies. This information includes:

• Personal Identifiers: Name, physical address, mailing address, email address, phone number, date of birth, and Social Security Number (when required for carrier quoting or underwriting).
• Driver and Vehicle Information: Driver's license numbers, vehicle identification numbers (VINs), driving histories, and accident records.
• Property and Underwriting Data: Home construction specifics, roof age, square footage, proximity to fire hydrants, business operational descriptions, and prior loss/claims histories.
• Financial Information: Payment card numbers, bank routing/account numbers, and credit-based insurance scores.

2. Sources of Information

We collect information directly from your inputs on our website forms, over the phone, via email, or through in-person consultations. Additionally, to comply with underwriting rules and generate accurate premiums, we request consumer reports from third parties, including:

• Motor Vehicle Reports (MVR): Pulled through official channels, including the Iowa Department of Transportation, to verify driving records.
• Comprehensive Loss Underwriting Exchange (CLUE): Reports obtained to evaluate prior auto and property claims histories.
• Credit-Based Insurance Scores: Generated by consumer reporting bureaus where permitted under Iowa law for insurance risk assessment.

3. How We Use Your Information

We use your collected personal and property data strictly for legitimate business and regulatory purposes, including:

• Submitting risk profiles to P&C insurance carriers to secure competitive quotes and policy binding.
• Servicing your active insurance policies, executing policy changes, and assisting with claim filings.
• Preventing insurance fraud, verifying your identity, and complying with state and federal legal requirements.

4. Information Sharing and Disclosure

We do not sell your personal information to third parties for marketing purposes. We share your information only as permitted or required by law, specifically with:

• Insurance Companies: The P&C insurance carriers we represent, for the purpose of underwriting, quoting, and issuing policies.
• Service Providers: Trusted third-party vendors assisting us in business operations (e.g., customer management systems, secure payment processors).
• Legal Authorities: Regulatory bodies, including the Iowa Insurance Division, or law enforcement when subpoenaed or required to protect legal rights or prevent fraud.

5. Security of Nonpublic Personal Information (NPI)

In accordance with the Gramm-Leach-Bliley Act (GLBA) and Iowa administrative rules, we maintain strict administrative, technical, and physical safeguards designed to secure your sensitive personal information from unauthorized access, alteration, or disclosure.

6. Your Rights and Access

You have the right to review the personal information we have recorded about you in our agency files. If you believe any information is inaccurate, you may submit a written request for correction or deletion. Please note that information obtained from third-party consumer reports must be corrected directly with the respective reporting bureau (e.g., LexisNexis, Iowa DOT).