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Insurance - All in Ames, IA
AAA Insurance - Ames, IA - Phone: (515) 232-9271
AAA Travel - Ames, IA - Phone: (515) 232-6165
Abstract and Title Services of Story County - Ames, IA - Phone: (515) 233-9495
Alliance General Inc - Ames, IA - Phone: (515) 278-5819
Allstate Insurance-Marci Baldwin - Ames, IA - Phone: (515) 232-0771
American Family Insurance Scott Lawrence - Agents- Lawrence Scott - Ames, IA - Phone: (515) 232-3333
American Home Mortgage - Ames, IA - Phone: (515) 232-1179
American National Insurance - Ames, IA - Phone: (515) 292-1900
Americlaim - Ames, IA - Phone: (515) 296-0160
Ames Associates of Mass Mutual - Ames, IA - Phone: (515) 232-3715
Ames Community Bank - Ames, IA - Phone: (515) 956-4343
Ann's Insurance Inc - Ames, IA - Phone: (515) 232-5501
Barney Russell G - Ames, IA - Phone: (515) 232-8090
Batman-Sayers Abstract & Title - Ames, IA - Phone: (515) 232-8133
Berthel Fisher Company Financial Services Inc - Ames, IA - Phone: (515) 663-2023
Brown Patricia Insurance - Ames, IA - Phone: (515) 233-1295
Campbell- Pat Insurance - Ames, IA - Phone: (515) 232-4142
Chieves Insurance Agency - Ames, IA - Phone: (515) 232-5101
Citifinancial - Ames, IA - Phone: (515) 233-0159
Clem Insurance Services Inc - Ames, IA - Phone: (515) 233-3073
Cox Messenger Associates - Ames, IA - Phone: (515) 232-2032
Dick Clem Inc - Ames, IA - Phone: (515) 233-8353
Dobson- Meg E - State Farm Insurance Agent - Ames, IA - Phone: (515) 232-3307
Dolan Michael Insurance - Ames, IA - Phone: (515) 232-3555
Equitable Life Assurance Society of the Unitd Stts - Ames, IA - Phone: (515) 232-2030
Equitable Life Assurance Society of the United States - Ames, IA - Phone: (515) 233-9600
F & M Bank - Drive-Up - Ames, IA - Phone: (515) 233-3130
Farm Bureau Financial Services - Ames, IA - Phone: (515) 233-2480
Farm Bureau Financial Services - Rick Cardwell - Ames, IA - Phone: (515) 296-4820
Farmers Insurance Group of Companies - Ames, IA - Phone: (515) 232-3212
Feeney Phillip - Ames, IA - Phone: (515) 233-1100
First American Bank - Ames, IA - Phone: (515) 233-2033
First Federal Investment Services Inc - Ames, IA - Phone: (515) 232-4304
First Horizon Home Loans - Ames, IA - Phone: (515) 232-2416
First National Bank - Main Office - Ames, IA - Phone: (515) 232-5561
Gateway Insurance Services - Ames, IA - Phone: (515) 232-6001
Greater Iowa Credit Union - Northridge PKWY & Stange Road - Ames, IA - Phone: (515) 232-6310
Health Alliance Midwest - Ames, IA - Phone: (515) 296-1656
Iowa Title Company - Ames, IA - Phone: (515) 232-6282
Knapp-Tedesco Insurance Agency Inc - Ames, IA - Phone: (515) 232-7060
Life Investors Insurance Company of America - Ames, IA - Phone: (515) 232-1340
Loan & Mortgage Networks - Ames, IA - Phone: (515) 232-5114
LOHR Jim Agency - Ames, IA - Phone: (515) 292-2500
MEMBERS1st Community Credit Union - Ames, IA - Phone: (515) 232-0085
Midwest Financial - Ames, IA - Phone: (515) 232-3042
Miller & Associates - Ames, IA - Phone: (515) 268-4854
Morrison Financial Services - Ames, IA - Phone: (515) 292-4566
Northwestern Mutual Financial N CO of Mlwke Wscnsn - Ames, IA - Phone: (515) 292-1811
Powell Kirwin Insurance - Ames, IA - Phone: (515) 292-8527
Principal Financial Group - Ames, IA - Phone: (515) 232-0127
Helpful Definition for: Insurance - All
Insurance, in Ames,denotes a service primarily meant for risk management that provides financial assistance during an unexpected loss or transfers the risk of a loss equitably, from one entity to another, in exchange for payment. An insurance company in Ames sells the insurance to its client, called insured, or policyholder, who is the person or entity buying the insurance policy. The factor called 'Insurance rate' determines the amount to be charged for a certain deal of insurance coverage, which is called the premium.
Insurance pools funds from many insured entities or exposures to pay for the losses incurred & thus protects the insured entities from the risk of paying a fee, the amount of which may depend upon the frequency and severity of the event occurring.
Insurance can be provided by private companies to cover the risks, typically sharing seven common characteristics:
1. Large number of similar exposure units
2. Definite loss
3. Accidental loss
4. Large loss
5. Affordable premium
6. Calculable loss
7. Limited risk of catastrophically large losses
The legal principles of an insurance policy generally include- Indemnity, Insurable interest, Utmost good faith, Contribution, Subrogation & proximate cause. Insurance may be provided for various tangible & intangible properties, such as- Home insurance, Vehicle or auto insurance, Health insurance, Accident, sickness & unemployment insurance, Casualty insurance, Life insurance, Property, Liability or Credit Insurance & closed-community self-insurance.
