Acuhawk Insurance Solutions

09/02/2026

One of the biggest insurance mistakes? Assuming something is covered without ever asking.

Insurance policies have limits, exclusions and optional coverages that can vary significantly from one policy, or company, to another.

A few examples:

🏠 Does your home policy cover water backup or service lines?

🚗 If you rent a vehicle, do you know what your auto policy actually extends to it?

💼 If you run a business from home, are your business equipment and liability exposures covered?

🐕 Does your home or renters policy have restrictions related to your dog?

The goal isn't to worry about every possible scenario. It's simply to understand what you have before you need to use it.

Pull out your policies once in a while and ask questions. A good insurance agent shouldn't just sell you a policy, they should help you understand it.

What's something you've always wondered whether insurance covers?

Send a message to learn more

09/02/2026

The cheapest insurance policy isn’t always the right insurance policy.
Good coverage should fit your actual life, your risks, and what you’re trying to protect — not just give you the lowest monthly payment. A few dollars saved now can get expensive fast if you discover a major coverage gap after something happens.
That’s why working with an independent insurance broker can help. We can compare options, explain the differences, and help you make a more informed choice.
Insurance shouldn’t just check a box. It should actually protect you.

08/21/2026

You've probably heard the phrase buy term and invest the rest”... but what does that actually mean?

For some families, purchasing affordable term life insurance while intentionally investing the difference can be a smart strategy. But there's an important catch: you actually have to invest the rest and term coverage doesn't last forever.

In the latest Insurance Insider, we break down how the strategy works, when it may make sense, and why your insurance professional and financial advisor should be part of the same conversation.

📖 Read the full article: https://acuhawk.com/post/invest-the-rest

Explore the “buy term and invest the rest” strategy, why it may work for some families, and how your insurance professional and financial advisor can help you build a coordinated financial plan.

08/18/2026

Sharing a personal and vulnerable moment ...

Sean is home from the hospital, and we are incredibly grateful to have him back home with our family. He is still very tired as his body recovers from heart failure and an intense hospitalization, so the next several weeks will include plenty of rest, follow-up appointments, medication adjustments, and extra care.

As a family-owned business, that means we are balancing Acuhawk’s needs with something even more important right now — making sure Sean has the time and support he needs to heal.

If we missed an email, call, text, or follow-up while we were navigating the hospital stay, please know we haven’t forgotten about you. We are working through everything and will respond as quickly as we can.

We understand that our clients’ insurance needs are incredibly important, and providing exceptional service has always mattered deeply to us. At the same time, this was a very intense and unexpected situation for our family, and we sincerely appreciate the patience, understanding, prayers, and kindness so many of you have shown us.

Thank you for supporting a small family business — especially during the moments when “family business” really means putting family first for a little while. ❤️

08/14/2026

Cancelled, non‑renewed, expired, or lapsed — they all mean your coverage could be gone. Learn what each term really means, how to avoid gaps, and what steps to take if your policy ends unexpectedly. Read the full post on the Acuhawk blog. 💙

Learn what it means when insurance is cancelled, non-renewed, expires, or lapses, why it happens, what it could mean for your coverage, and simple steps you can take to help avoid a gap in protection.

08/14/2026

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘆𝗼𝘂𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗴𝗼 𝘂𝗻𝘂𝘀𝗲𝗱!

Many Medicare Advantage plans include an Over-the-Counter (OTC) allowance that can help pay for eligible health and wellness products like pain relievers, vitamins, first aid supplies, oral care items, and more.

For many plans, these benefits are provided quarterly, but some may be monthly, and unused amounts may expire at the end of the benefit period rather than rolling over. Every plan is different, so be sure to review your plan's OTC benefit details, including eligible items, allowance amounts, purchase methods, and any applicable deadlines.

If you have friends or loved ones enrolled in a Medicare Advantage plan, consider sharing this reminder with them. A quick check today could help ensure they don't miss out on benefits they've already earned.

If you're one of our clients and have questions about your plan's OTC benefit, we're always happy to help.

Benefits, allowance amounts, eligible items, and rollover rules vary by carrier and plan.

08/12/2026

The SSA just expanded its Compassionate Allowances list, fast‑tracking disability decisions for serious diagnoses. Even if you don’t apply for disability, these updates can affect Medicare timelines and ACA subsidies. Read the full breakdown on the blog. 💙

The SSA expanded its Compassionate Allowances list, speeding up disability decisions for serious medical conditions. Faster approvals can impact Medicare timelines and ACA coverage. Here’s what that means for your insurance planning.

08/12/2026

A simple afternoon of home maintenance can help prevent thousands of dollars in damage.

Clogged gutters don't just overflow—they can cause water to back up under your roof, pool around your foundation, damage siding, and even contribute to basement moisture issues.

A few reminders:
🏠 Clean gutters at least twice a year (more often if you have lots of trees).
🏠 Make sure downspouts direct water several feet away from your foundation.
🏠 Check for loose sections, leaks, or sagging gutters while you're cleaning.
🏠 Inspect your roof for damaged shingles after major storms.

Routine maintenance can't prevent every claim, but it can go a long way toward protecting your biggest investment.

Have a favorite home maintenance tip? Share it in the comments!

08/11/2026

Before hiring a contractor, most people compare prices, read reviews, and ask for references.

One thing that's often overlooked is asking for proof of insurance.

A current Certificate of Insurance (COI) helps verify that the contractor has the insurance coverage they say they have. While a COI doesn't guarantee that every claim will be covered, it's an important first step in protecting yourself.

Depending on the project, you may want to verify that they carry:

General Liability Insurance
Workers' Compensation Insurance (if they have employees)
Commercial Auto Insurance (if vehicles are regularly used on the job)

For some commercial projects—and occasionally larger residential projects—a contract may also require you to be added as an Additional Insured on the contractor's policy.

Being listed as an Additional Insured can provide you with certain coverage protections related to the contractor's work, but it isn't necessary for every project. Whether it's appropriate depends on the contract and the nature of the work being performed.

Insurance requirements are much easier to address before work begins than after something goes wrong.

If you're hiring contractors for your business or have questions about insurance requirements in a contract, we're happy to help you understand what to look for.

Licensed in Nebraska and Iowa.