Trusted Coverage, Local Expertise.

At Skogman Insurance, we are dedicated to delivering personalized service and tailored insurance programs that meet your unique needs. Our team builds lasting relationships based on trust, and at Skogman Insurance, you have more than an insurance agency, you have a person, always ready to support you every step of the way.

 We specialize in

Personal, commercial and life insurance

Home insurance

Protect your home and possessions from natural disasters, theft, and other covered events.

Auto insurance

Protect yourself from financial loss in the event of an accident or other covered event.

Renters insurance

Protect your personal belongings if you are renting a home or apartment.

Commercial umbrella insurance

Provide additional liability coverage above and beyond the limits of your other insurance policies.

Cyber liability insurance

Protect your business from financial loss due to cyber attacks, data breaches, and other cyber threats.

Life insurance

Provide financial security for your loved ones and protect what matters most.

How we can help?

Client center

File a claim

Start a claim and track its progress.

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Make a policy change

Modify your existing coverage to fit your changing needs.

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Pay my bill

Pay your insurance bill securely online.

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Our carriers

Mike was cordial professional and informed. He got me a much better offer than Farmers who I had been with 40 years or so. Mike returned all calls promptly and answered any questions. I have been pleased with the service at your agency. I was referred to Mike and Skogman by my former boss, I am retired, and I thank her also.

Norman M., customer since 2024

Mike Fettkether is a valuable and trusted partner for my personal and business insurance needs.

Customer October 2024

Joan has always been very prompt, professional, and helpful. We have used her as our agent for many years and she is absolutely the best there is!

Nadia H., customer since 1900

Awesome personalized home and auto insurance. Always there to walk us through our options and guide us with professional advice. Have been a customer for 25 years. Highly recommend. 10/10!

Customer since 2017

The diligent follow up on our recent claim was SO refreshing!

Customer since 2021

I appreciate that Lacy Allen was proactive when our renewal came up. She thought outside of the box in recommending cost saving options.

Customer since 2021

Like the quick response time I get when I have a question. Also, you take the time to shop around to find me the best coverage for my needs at a reasonable cost.

Customer since 2021

Deb Abernathy has done an excellent job helping me with all my insurance needs. I highly recommend her.

Gerald H., customer since 2017

Lacy was very responsive and easy to work with!!

Customer since 2024

Our agent, Mike Fettkether, looks out for us by making sure we have the best insurance for our needs, and checks in with us occasionally to be sure we are looked after and there are no changes that need to be addressed.

Customer since 2017

In 2023 our prior Insurance company had decided to leave the state of Iowa and we knew we had to switch companies June 2024. The day before we were set to expire, we were informed that the new company we had signed up with wasn't going to take us anymore. We contacted Lacy at Skogman and in a few short hours she had us quoted and submitted so there was no gap in coverage. This was truly amazing service in a very stressful situation.

Lance O., customer since 2024

Mike was so helpful and efficient. I don’t need to talk to my insurance agent very often, but I’m glad I can count on him.

Customer since 2017

When premiums were going up you worked to lower our home policy. When we have questions you are quick to response.

Customer since 2017

Your service is normally excellent but during the derecho the service was over the top. Thank you West Bend.

Jerry O., customer since 2017

Joan yearly looks for the best rates. Her communication is excellent and she gives good insurance advice.

Becky D., customer since 2017

Joan and her staff have always been very responsive with any issues or questions that I have had over the last few months. I have been very happy with the service and definitely would recommend them to any friends or family.

Chris K., customer since 2019

Deb always provides great service to us by finding us the best coverage at the lowest rates!

Terry M., customer since 2017

Great Company to work with. We have built a great relationship with Mike Fettkether.

Dan H., customer since 2017

Vaughn has been super easy to work with. He takes care of all our needs and questions promptly. Major improvement over State Farm. With whom I'd had been insured by for over 40 years.

Steven C., customer since 2021

They review my policies & overages with me BEFORE it renews. ...and there is NO waiting for a response when I call with questions.

Robert S., customer since 2017

News from our blog

By Lisa Anthofer October 4, 2024
Homeowners should always be aware of their home insurance policy and what is covered, as not all policies are created the same. Your personal belongings are generally covered under home insurance, but not always in the same way or to the same extent as you might expect. There are two main options when it comes to covering your personal belongings under home insurance : actual cash value and replacement cost value. Actual Cash Value vs Replacement Cost Value Both cash value policies and replacement cost policies cover your belongings from the same dangers, but the way compensation is calculated is different. For an actual cash value policy, depreciation is taken into account when the insurer’s claims adjuster is investigating the claim. This means that as the value of your items goes down over time, or depreciates, so does the amount of compensation you can receive in a claim. For example, say you purchase a $2,000 watch and insure it under home insurance. Over the years, its value depreciates. By the time the watch is stolen, it was only work $500. When you file a claim at this time, you will receive closer to $500 in compensation for the watch despite what its original value was due to depreciation. On the other hand, a replacement cost value policy does not account for depreciation. Instead, a replacement cost value policy provides compensation so that you may replace it with an item of similar or identical value. This type of policy is generally more expensive, but it is also more likely to allow you to replace your belongings in total after an incident. Which Policy is Best? The type of policy that is best depends on you and your belongings. Keep in mind that there are certain limitations under both policies, as well. Most home insurance policies do not cover damage or loss caused by floods or earthquakes. There is also limited coverage for expensive items such as jewelry, furs, art and electronics. If you have expensive items such as these, you may need additional policy floaters. Policy floaters allow you to fill in the gaps on your personal belongings coverage and insure your high value items more effectively. Speak with an agent to protect your personal belongings within your home. It is crucial to make sure that your items are protected so that you don’t have to pay for repairs or replacements out of pocket after an accident.
By Lisa Anthofer October 4, 2024
Every business needs business insurance – even small ones. Why? All businesses have risks. And it’s a fact that the right coverage for your small business can make or break your company if a covered incident occurs. Insurance is all about protecting your assets. And no matter how careful you are with every aspect of your business, unexpected disasters happen. You just don’t have control over them. But whether it is fire, flood or theft, an insurance policy take cares of that for you. Here are five tips to help you select the right policy. Make sure to discuss all potential losses to your agent. That $3,000 aquarium display in your lobby might not look much to your agent, so she might scratch it of as something “less valuable.” So be sure to specify the real value of all your assets in case any accidents occur. Discuss in length your full inventory to your agent. Coverage should replace all lost or damaged equipment with the same, or at least comparable, items instead of getting items of a depreciated value. We’ve heard some horror stories about company equipment getting replaced by cheaper versions, so be sure to discuss in great detail the value and the replacement potential of all your current inventory. Get worker’s compensation insurance. An accident in the workplace can cost you a lot of money. It will require you to pay all medical bills and lost wages, or face a lawsuit by a begrudged injured employee. Worker’s comp can cover these situations, saving you the expenses of work accidents. Consider a package deal, such as a business owner’s policy (BOP). It’s usually cheaper and can cover a long list of your concerns in one easy bundle with one premium payment. Hire an independent insurance agent. They are not bound by a single company, so they can broaden their horizons and really shop around. The insurance industry is vast and there are lots of factors involved. But the independent agent knows his stuff, and can really give you the best policy your business deserves. So now that you know about small business insurance. It’s time for you to contact that dependable agent of yours and start purchasing that perfect coverage for you!
By Lisa Anthofer October 4, 2024
A smart home is one that provides information and communicates with you no matter where you are. These are growing in popularity today. A wide range of versions are available. Each one seems to do something unique. If you are thinking about the investment in a smart home system of any type, it helps to know what the benefits are. In some cases, they can reduce theft risks and, as a result, lower home insurance costs. What Type of System Is Right for You? If you hope to improve your home’s security, there are a few types of smart home systems to take into consideration. First, learn about the various brands and how they work. Then, determine what could help at your home. Here are some key ideas and options. Doorbell cameras – Replacing the traditional doorbell, these cameras allow you to receive a message whenever someone approaches the door. You can interact with the people outside your door. These do not prevent someone from coming in but do take pictures of those who step in their range of view. Security cameras – An excellent option for those who want more security, home security cameras are always active. The latest models have night vision and allow for two-way communication. Most importantly, they sound an alarm and alert you if someone steps into the warning area. Security monitoring – This is the highest level of safety-oriented home automation. It uses security cameras along with other types of sensors. When a trigger occurs, such as someone opening the door, it alerts a company monitoring the home. They can send help immediately. \Door and window sensors – These detect when the door or a window opens. These small sensors are hard to see. Yet, they communicate a significant amount of information immediately. Glass break sensors – Some sensors even detect when glass breaks. If it senses this, it can send an alert so you can take action. As smart home features, they work by sending messages to your smartphone or computer. You can then choose to call the police or warn the person to leave your property. In this way, they increase your home security. If you decide to install one of these systems, be sure to tell your home insurance agent about it. With more information about how it works, they may recognize the benefits. This can help you to reduce your home insurance costs. However, not all systems qualify. Be sure to work with your agent to find the best way for your home. 
By Lisa Anthofer October 4, 2024
Just because it’s cold outside doesn’t mean you have to confine your workouts to a gym. There are plenty of tips and tricks that outdoor runners use to continue exercising through fall and winter. And while hot summer weather can tire you quickly, cooler weather stimulates your senses. Plus, you burn more calories during winter runs because you tend to run faster. Let’s look at a few tips for keeping your body temperature up during winter exercise. Plan a route: Select a running route with stable footing, as free of snow and ice as possible. Your route should be well lit and plowed, which usually makes afternoons a good time for a run. Many runners select a path that is looped so it’s easy to quit early if you need to without having to turn around and run back a lengthy trail to get home. Dress appropriately: Layering your clothing is perfect for cold weather because you can remove items as your body warms up. Or, to warm your body quicker so you can wear fewer layers, you can throw your exercise clothes in the dryer for a few minutes before dressing. By the time the fabric cools, your body will be creating its own warmth. One more trick is to wear mittens instead of gloves to keep more warmth in your hands. Warm up: Many runners find it helpful to warm up indoors before heading out for a run. Jog in place or do some basic calisthenics for five to ten minutes to help prevent pulled muscles. This helps your body adjust before hitting the colder temperatures. Stay hydrated: Though you may not sweat quite as much as you do during summer, winter runners still sweat and need to drink plenty of water. A handy tip is to store your water bottle inside of your jacket or sweatshirt to keep it from freezing along the way. Cool down: If you’ve been sweating and you suddenly slow down, the wind can easily give you chills since your skin and clothing are wet. Keep cool downs very short and head back home for indoor stretching. Your wellness is our priority. Call Skogman Insurance for more information on health insurance .
October 4, 2024
The wedding industry is booming and these events can cost tens of thousands of dollars between the dress, cake, venue, décor, food and photography. Whether you set out to plan your own wedding or enlist the help of an event planner, it still takes the better part of a year for many couples to throw this shindig. You pay the deposits and spend countless hours poring over menus and seating charts. But, what happens if the event cannot happen as planned? Perhaps the venue catches fire a few days before the wedding date, or maybe a family member falls ill. Postponing, moving or cancelling the event could mean that you’re out thousands of dollars, particularly if venue and vendor deposits are non-refundable. While some insurance providers write policies that specifically cover weddings, other insurers are able to cover an assortment of special events. In either case, this type of insurance policy can cover these lost expenses if the wedding cannot go on as planned. Some common coverages of wedding insurance include the following. Event cancellation and postponement: Whether you face cancellation fees or nonrefundable deposits, this coverage can reimburse you for lost expenses if you must cancel or postpone the wedding. Additionally, you may also be covered if you must book a vendor at the last minute due to an unexpected event, such as a vendor going out of business. Event liability: If you, as the event host, are held liable for a guest’s injury or damaged property during the course of the wedding, this coverage can help cover those expenses. In fact, many venues insist that you obtain this coverage as part of the event contract. Liquor liability: You may be held liable for the harmful actions of an intoxicated guest. This coverage helps fund the aftermath of their physical attacks on other guest or venue/vendor property. Damage to premises: This helps cover any damage that is done to the venue during the course of your wedding. Do you need coverage for your wedding? Call our agency to get a free quote today.
By Lisa Anthofer October 4, 2024
Homes can be destroyed in natural disaster, fire or other catastrophes. If you don’t have the proper protection, the rebuild and repair can be an overwhelming expense. That’s where extended replacement coverage can help. When purchasing coverage for their home, policyholders often make the mistake of simply insuring it for the resale value. However, should a flood, storm or other event occur, they may find that the cost to rebuild far exceeds the original purchase price. This discrepancy can occur for a variety of reasons, including inflated construction costs following catastrophic events that impact multiple homes in a particular area. To truly protect themselves, extended replacement coverage is essential. This form of coverage provides a benefit over and above the policy limits for replacing a damaged house. That means, should a covered loss occur, extended replacement coverage will kick in and pay up to a specified percentage over an insured’s policy limit—sometimes as much as 125 percent. As an example, let’s say your $270,000 home is destroyed by a tornado. Because this disaster affected an entire neighborhood, the costs of building materials and labor significantly increased due to high demand. As a result, the replacement value is estimated at $300,000—significantly over the normal replacement cost covered by standard homeowner’s policies. Without extended replacement coverage, you would likely have to pay the extra $30,000 out of pocket. When shopping for homeowners insurance , extended replacement coverage is critical. While skimping on this protection may lower your coverage costs slightly, those savings will mean nothing should disaster strike and lead to tens of thousands of dollars in losses. If you still have questions about homeowners insurance it’s important to discuss your unique needs with an expert.
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