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We offer the following types of personal insurance. For those options marked with an asterisk (*), you may click its name to read more information below, or you may click the respective 'Request a quote' link(s) to print out a quote request form for that particular insurance product. (For quote requests on the other listed products, please contact us.)

= Automobile * - Request a quote
= Homeowners * - Request a quote
= Farm * - Request a quote
= Renters
= Motorcycle
= Recreational Vehicle
= Umbrella
= Boat

* You will need the Acrobat Reader in order to view the quote request form listed above. You may download a free copy by visiting www.adobe.com/products/acrobat/readstep2.html.

Understanding Auto Insurance

Iowa auto insurance policies come with these standard liability coverages:

Bodily Injury Liability Coverage
This coverage pays when the insured person is legally liable for death, or bodily injury caused by your vehicle, or by your operation of most non-owned vehicles. Bodily Injury liablity coverage pays for your legal defense if you are sued.

Property Damage Liability
This coverage pays when an insured person is legally liable for damage of another's property, caused by the insured vehicle and/or your operation of most non-owned vehicles. This coverage would also pay for your legal defense expenses in the situation you are sued.

Uninsured Motorist Coverage
This coverage protects you, your resident relatives, and the occupants of a covered vehicle if any of the above sustain bodily injury or death in an accident in which the owner and/or operator of a motor vehicle, who is the legally liable party, does not have insurance.

Underinsured Motorist Coverage
Protects you, your resident relatives, and the occupants of a covered vehicle if any of these insureds sustain bodily injury or death in an accident in which the owner and/or operator of the motor vehicle that is legally liable does not have enough insurance.

There are optional coverages available to cover physical damage to your insured auto. These coverages include:

Comprehensive Coverage
This coverage pays for loss or damange to your insured vehicle, caused by any event except a collisiion. Examples of events causing a possible comprehensive claim include fire, theft, windstorm, hail, flood, and vandalism. Under most poilicies, transportation and loss of use expenses under this coverage if your motor vehicle is stolen.

Collision Coverage
This coverage pays for a loss to your covered vehicle when it collides with another vehicle or ojbecct, or overturns. Most policies also pay for a collision loss to any non-owned vehicle, or vehicle you have rented other than a vehicle rented for any employment or business use.

When applying for comprehensive and collision coverages, you will need to choose a DEDUCTIBLE.
The deductible is the amount of each loss you agree to pay. Generally, choosing a higher deductible will lower the premium.

Common Exclusions on a liability and full coverages include NO COVERAGE for: Bodily injury and/or death sustained by any person while using or occupying a covered vehicle while being used to carry property or persons for compensation or a fee. NO COVERAGE for a covered vehicle without the permission of you or a relative or a non-owned vehicle without the permission of the owner.

This does not address all the provisions of the policies. The appropriate policy should be consulted for specific provisions. This web page is for general informational purposes only. Exchange State Bank & Insurance is not responsible for any misinterpretation by you. See a licensed insurance agent for clarification and advise on all insurance decisions.

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Understanding Homeowner's Insurance

The standard Homeowner's policy includes these coverages:

Dwelling Coverage
Covers loss to the dwelling, including structures attached to it, on the residence premises listed on your insurance declarations.

Other Structures Coverage
Covers other structures at the residence premises NOT attached to the dwelling, or connected by only a utility line, fence or similar connection. Sidewalks, driveways, and permanently installed yard fixtures are covered under "other structures coverage."

Personal Property Coverage
Covers personal property owned or used by any insured person and located at the residence premise. Not all personal property is covered - some items are excluded (i.e. animals, motor vehicles, camping trailers, pickup toppers, etc.). It is very important you discuss your personal situation with your agent.

Additional Living Expense
Provides coverage for the increased expenses incurred as a result of a loss due to a covered peril that renders the dwelling unfito for habitation.

This does not address all the provisions of the policies. The appropriate policy should be consulted for specific provisions. This web page is for general informational purposes only. Exchange State Bank & Insurance is not responsible for any misinterpretation by you. See a licensed insurance agent for clarification and advise on all insurance decisions.

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Farm Insurance products available include: Property & Liability ( Farm blankets, Livestock ) and Farm Umbrella.
Please call us (see contact information below) for more information regarding these insurance products.

To discuss our insurance products, please contact Amy Follmann at 1-800-448-8966 or: insurance@esbanks.com.
Locations in Adair and Winterset, Iowa.

Investment and Insurance products offered by ESB are NOT FDIC insured, NOT insured by any federal government agency.
Not a deposit. May lose value. No Bank Guarantee.