Jack Manning - Premier Insurance Group

10/15/2026

💧 WATER DAMAGE: Does Your Homeowners Insurance Cover It? 🏠

Not all water damage is covered the same way! Here’s a simple breakdown of 3 types of water coverage every homeowner should understand.

🔧 1. Plumbing & Appliance Leaks A pipe bursts, your water heater leaks suddenly, or your washing machine hose breaks.

✅ Often covered under a standard homeowners policy (HO-3), depending on the policy and circumstances.

🚽 2. Water Backup Coverage Your sewer backs up into the basement, or your sump pump fails and water damages your finished basement.

⚠️ This usually requires an additional water-backup endorsement. Check your policy limits!

🌊 3. Flood Coverage Heavy rain causes water to collect outside and enter your home, or a nearby river overflows.

⚠️ Flood damage is generally NOT covered by a standard homeowners policy. Separate flood insurance is typically needed.

🏡 Why does this matter?

You could have homeowners insurance and STILL have a costly water damage claim that isn't covered!

The key is knowing where the water came from and making sure you have the right protection in place.

✅ Review your policy. ✅ Check your water-backup limits. ✅ Ask whether flood insurance makes sense for your home.

Don't wait until water is in your basement to find out what your policy covers!

10/13/2026

Life lately!

This fall has been BUSY! One part of my job that I love is the flexibility. I am able to spend time hanging out with my family, which I cherish, and still meet the needs of my clients from anywhere.

Thank you for supporting my small, local business! It means the world to me when someone chooses to work with me.

10/06/2026

Tired of calling your insurance agent, being placed on hold, and waiting days for an answer?

You won't get that with me!

Work with someone you know. Work with local, support local business. And work with someone who is there when you have a question.

Ready for the service you deserve?
Give me a call, text, or email and let's get started!
515-745-2191
[email protected]

09/24/2026

Sometimes I get anxious because I'm falling behind on work, posting promotional content on here, and everything else life throws at me.

Today, I just wanted to stop and say thank you! It's great to be busy. Since I've moved into this office in Granger in February business has been great, and a majority of that has come from local homeowners and businesses putting their trust in me!

So, thank YOU! I appreciate every one of you!

09/17/2026

I bet id sell I’d sell a lot more insurance looking this cool

09/16/2026

This week's snack sponsor is Jack Manning - Premier Insurance Group!

09/15/2026

Do you own a piece of commercial real estate❓❓❓
If so, this is important!

Let's talk about one of the sneakiest things in a commercial property policy. It's called coinsurance, and it can cost business owners a lot of money without them ever knowing it was there.

Here's the deal. Most commercial building policies require you to insure your building for at least 80% or 90% of what it would actually cost to rebuild it. Not what you paid for it. Not what the county says it's worth. What it costs to rebuild it today, with today's lumber, labor, and steel prices.

If you're insured for less than that, the insurance company doesn't just pay less on a total loss. They pay less on every loss, including small ones.

Quick example. Say your building would cost $1 million to rebuild, and your policy has an 80% coinsurance clause. That means you need at least $800,000 of coverage to be in good shape. But let's say you're only carrying $500,000 because that's what the number was back when you bought the place.

You have a fire. $100,000 in damage. You'd think you're fine, right? You've got $500,000 of coverage and only $100,000 of damage.

Nope. Because you only carried 62% of what you were supposed to, they only pay 62% of the claim. So instead of $100,000, you get about $62,500, and then your deductible comes out of that too. That's roughly $37,500 out of your own pocket on a claim you thought was fully covered.

And here's the part that catches people. Construction costs have jumped a ton the last several years. A building that was properly insured in 2019 might be way underinsured today, even though nothing about the building changed.

If you own a commercial building and you haven't looked at your replacement cost number in a few years, it's worth a conversation. It takes me about ten minutes to tell you whether you're in the clear or sitting on a problem, and I'd much rather find out now than after a claim.

Give me a shout anytime.
📲515-745-2191

09/14/2026

And the winner is… Lisa Marie Battani!!

Just 5 points off the total, and guessed the correct winner!

Lisa, I’ll send you a text to get you this card!

🚨LOCAL BUSINESS GIVEAWAY 🚨

I’m back with my monthly local business giveaway! This time I’ve got $25 to Fareway up for grabs!

In honor of the Cy-Hawk rivalry this week, we’re going to change up the rules!

To enter:
- comment ON ORIGINAL POST who you think will win between Iowa and Iowa State in football
- comment your guess for the total points scored in the game
- tag a friend you are going to watch the game with!

Winner will be announced Monday, 9/14.

(Criteria: winner must have guessed correct game winner, then closest point total)
(In the event of a tie the winner will be the first comment with the winning combo posted)

09/09/2026

If this is you….

🚨 “I haven’t heard from my agent in a few years, I just let it renew and assume everyone’s rates are going up”
🚨”my agent retired/quit and I don’t know who my new agent is”
🚨”Whenever I reach out to my agent it takes days/weeks to hear back”

… you deserve better service!!

I work hard for my clients and touch base with every one before every renewal (at least!) so you always know your coverage is up to date and you have the best value!

Don’t just believe me, check out my Google reviews, then let’s talk soon!

☎️515-745-2191
📧[email protected]

09/09/2026

🚨LOCAL BUSINESS GIVEAWAY 🚨

I’m back with my monthly local business giveaway! This time I’ve got $25 to Fareway up for grabs!

In honor of the Cy-Hawk rivalry this week, we’re going to change up the rules!

To enter:
- comment ON ORIGINAL POST who you think will win between Iowa and Iowa State in football
- comment your guess for the total points scored in the game
- tag a friend you are going to watch the game with!

Winner will be announced Monday, 9/14.

(Criteria: winner must have guessed correct game winner, then closest point total)
(In the event of a tie the winner will be the first comment with the winning combo posted)