Call Us: (515) 989-0047

Effective Date: July 31, 2026 Website: centraliowains.com

Welcome to Central Iowa Insurance ("we," "us," or "our"). By accessing or using our website (centraliowains.com) and our communication services, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

1. Acceptance of Terms

By using this website, requesting an insurance quote, or opting into our communication programs, you signify your acceptance of these Terms and Conditions and our Privacy Policy.

2. Services Provided

Central Iowa Insurance provides an online platform to request insurance quotes, learn about insurance products, and communicate with our agents. The information on this website is for general informational purposes only and does not constitute a binding insurance contract. Coverage cannot be bound or altered directly through the website without confirmation from a licensed agent.

3. SMS/Text Messaging Program

If you elect to receive text messages from us by providing your mobile number, you agree to the following terms regarding our SMS program:

  • Types of Messages: You can expect to receive text messages related to your insurance inquiries, quote updates, policy renewals, billing reminders, claims processing, and general customer service responses.

  • Message Frequency: Message frequency varies based on your account activity and interactions with our agency.

  • Pricing: Message and data rates may apply depending on your mobile carrier and plan.

  • Customer Care: If you need assistance with our text messaging program, text HELP to the number that messaged you, or contact our support team at This email address is being protected from spambots. You need JavaScript enabled to view it. or call us at [Insert Phone Number].

  • Opt-Out Instructions: You can cancel the SMS service at any time. Just text STOP to the shortcode or number that messaged you. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

4. User Responsibilities

When submitting information through our website, you agree to provide true, accurate, current, and complete information about yourself and your property. Misrepresenting information can result in inaccurate quotes or the denial of insurance coverage by carriers.

5. Intellectual Property

All content, logos, text, graphics, and materials on this website are the property of Central Iowa Insurance or its content suppliers and are protected by applicable copyright and trademark laws. You may not use, reproduce, or distribute any content from this site without our express written permission.

6. Disclaimer of Warranties

The information and services on this website are provided on an "as is" and "as available" basis. While we strive to keep the information accurate and up-to-date, Central Iowa Insurance makes no warranties, expressed or implied, regarding the completeness, accuracy, reliability, or availability of the website or the information contained therein.

7. Limitation of Liability

To the fullest extent permitted by law, Central Iowa Insurance shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this website or our SMS communication services.

8. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of law principles. Any legal action or proceeding arising out of these terms shall be brought exclusively in the state or federal courts located in Iowa.

9. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting to the website, with the "Effective Date" updated accordingly. Your continued use of the website and services constitutes your acceptance of the revised terms.

10. Contact Us

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Central Iowa Insurance

  • Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

  • Phone: (515) 989-0047

  • Address: 2800 Norgard Circle Ste 100 - Carlisle, IA  50047

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