Sands Insurance

Sands Insurance Home and auto insurance for Iowa families. Get a Free Home and Auto Insurance Policy Review today!
+1 515-965-2429 | [email protected]
(1)

We make it our goal to provide you with the best service possible and provide the best products possible. We have many options so we can tailor a policy for your personal or business needs, and our level of customer service and knowledge sets us apart from other insurance agencies.

Not all insurance agents work for you. Here is the difference. 👇When you call a captive agent, they have one company and...
06/04/2026

Not all insurance agents work for you. Here is the difference. 👇

When you call a captive agent, they have one company and one set of rates. If that company raises your premium or is not the right fit, their hands are tied. They work for the insurance company, not for you. 🔒

An independent agent works for you.

At Sands Insurance, I am not tied to a single carrier. I shop across dozens of companies to find the coverage that actually fits your situation and your budget.

🔑 If one carrier is not competitive anymore, I find one that is.
🔑 If your needs change, I adjust your coverage across the whole market.
🔑 If you have a claim, I am on your side, not the insurance company's.

Want an agent who works for you? DM us or call 515-965-2429.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

Most Iowa contractors think their tools are covered under their GL policy.They are not. 🔧GL covers damage you cause to o...
06/02/2026

Most Iowa contractors think their tools are covered under their GL policy.
They are not. 🔧
GL covers damage you cause to others. It does not cover your own equipment. That is a completely separate coverage and most policies do not include it automatically.

Here are 4 things to check on your policy right now. Swipe through 👉
✅ Is tools and equipment coverage actually listed in your policy?
✅ Is your coverage limit enough to replace everything you own today?
✅ Does it cover theft from your vehicle overnight?
✅ Is your deductible so high that small claims are not even worth filing?

One gap in any of these four areas and you are covering the loss yourself. 💸

Not sure where your policy stands? DM us the word TOOLS and we will check it for free. No sales pitch, no obligation.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com

You drive to job sites. You run business errands. You haul equipment in your personal vehicle.But here is the question m...
05/31/2026

You drive to job sites. You run business errands. You haul equipment in your personal vehicle.

But here is the question most Iowa drivers never think to ask. 🤔

Is your personal auto insurance actually covering you when you do that?
Here is what most people do not know.

Personal auto insurance has a business use exclusion. ⚠️

If you are using your car for work purposes and you get into an accident on the way to a job site or while running a business errand, your claim could be denied.

Not partially covered. Fully denied.

Your insurer will ask what you were doing at the time of the accident. If the answer is anything work related, a standard personal auto policy may not pay out a single dollar.

This catches a lot of Iowa families and self employed people completely off guard. 😟

The fix is simple. You need either a business use endorsement added to your personal policy or a separate commercial auto policy depending on how often and how heavily you use the vehicle for work.

But you have to ask for it. It does not get added automatically.

As an independent agent I review this every time I look at a client's policy. You would be surprised how many people are driving around fully exposed without knowing it.

If you use your personal car for work even occasionally, let us take a look. 👇

15 minutes. Free. No pressure.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com

Most business owners in Iowa haven't looked at their insurance policy in over a year.Not because they don't care. Becaus...
05/30/2026

Most business owners in Iowa haven't looked at their insurance policy in over a year.

Not because they don't care. Because nobody told them they should. 🤷

Here's what happens in the meantime.

Your business grows. You add crew. You buy new equipment. You take on bigger jobs.
But your policy stays exactly the same as it was on day one.

That is not coverage. That is a false sense of security. ⚠️

One denied claim is all it takes to find out what your policy actually covers versus what you assumed it covered.

Here is the part most people miss.

Insurance companies do not remind you to review your policy. Auto-renewal is good for them, not for you. 📋

An independent agent shops the whole market. A captive agent sells you one company's products and calls it a day.

The difference matters when it is time to file a claim.

That is exactly why we offer a free policy review for Iowa contractors and homeowners. 🙌

15 minutes. We look at what you have, tell you where the gaps are, and check if a better rate exists with a different carrier.

No sales pitch. No obligation to switch. Just a straight answer from a local, independent agent right here in Ankeny.

If your policy has not been reviewed in the last 12 months, comment REVIEW below or send me a direct message. 👇

First come, first served.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com

05/28/2026

You have general liability insurance. But do you actually know what it covers?

Most Iowa contractors assume GL protects them from everything. It doesn't.

Here's what GL typically covers:
✅ Bodily injury during a job
✅ Property damage you cause on site
✅ Personal injury claims

Here's what it often doesn't cover:
❌ Your tools and equipment
❌ Work you completed months ago (completed operations, separate endorsement)
❌ Employee injuries (workers comp)
❌ Your vehicle on the way to a job (commercial auto)

One policy doesn't cover all of it. That's not a sales pitch. That's just how it works.

If you want to know exactly what your GL covers and what it doesn't, DM us the word GL. We'll walk through it for free.

📞 515-965-2429 | Sands Insurance, Ankeny IA

Your tools are sitting in the truck overnight. Then you wake up to a broken window and an empty cargo area.Most Iowa ele...
05/20/2026

Your tools are sitting in the truck overnight. Then you wake up to a broken window and an empty cargo area.

Most Iowa electricians assume their business insurance covers that. Most of them are wrong.

Standard general liability doesn't cover tools in transit or stored in a vehicle. You need a separate tools and equipment endorsement — and a lot of policies don't include it automatically.

Before your next job, check your policy for this one line: "tools and equipment coverage."

If it's not there — or the limit is lower than what your gear is worth — we need to talk.

DM us or call 515-965-2429. Free policy review. 15 minutes.

We're opening up a few free policy review spots for Iowa contractors this month.Running a business is loud, and insuranc...
05/13/2026

We're opening up a few free policy review spots for Iowa contractors this month.

Running a business is loud, and insurance is usually the last thing on your mind until you actually need it. But here’s the truth: most policies I look at are either outdated, overpriced, or leaving the owner wide open to a claim that could have been avoided.

I’m setting aside time this month to do a deep dive for a handful of local contractors.

In 15 minutes, I’ll tell you:
1️⃣ If you’re paying for "fluff" coverage you don't need.
2️⃣ If you have gaps that could sink your business during an audit or a claim.
3️⃣ If there’s a better rate sitting out there with a different carrier.

There’s no sales pitch and no pressure to switch. Just an honest assessment from a local agent who knows the Iowa market.

Comment "REVIEW" or DM us to grab a spot. First come, first served.

If you're in your 30s and keep putting off life insurance — this one's for you.The difference between buying at 35 vs 45...
05/08/2026

If you're in your 30s and keep putting off life insurance — this one's for you.

The difference between buying at 35 vs 45 can cost you thousands of dollars over time. Same coverage. Same company. Just a different age.

We put together a quick breakdown so you can see exactly what waiting costs.
Swipe through 👉

And if you want a free, no-pressure look at your options — send us a DM or call us at 515-965-2429. We're local, independent, and we'll give you a straight answer.

Address

1450 SW Vintage Pkway, Ste 220
Ankeny, IA
50023

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+15159652429

Website

https://www.instagram.com/sands_insurance/, https://www.linkedin.com/in/scottsandsinsu

Alerts

Be the first to know and let us send you an email when Sands Insurance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Sands Insurance:

Shortcuts

Share

Category