Logan, IA Insurance Agency

The Logan office joined Smith Davis Insurance in 2020, when Warner Insurance Agency became part of a family-owned agency that has served southwest Iowa since 1931. The people and the phone number stayed the same. What changed is the carrier lineup behind them: Logan clients now have access to more than 20 companies through one local office, which matters when a single carrier decides to pull back from rural Iowa property.

What insurance does the Logan office handle?

The Logan office writes personal, farm and commercial insurance for Harrison County and the Loess Hills communities on either side of it. The most common policies from this office are homeowners and auto for families in town, farm and acreage packages for rural properties, and business coverage for the ag-related and Main Street businesses that keep Logan, Missouri Valley and Woodbine running.

Personal insurance from this office

• Homeowners, acreage and rural dwelling insurance
• Auto, motorcycle, boat, ATV and RV insurance
• Personal umbrella liability
• Life insurance and Medicare supplement plans

Farm and business insurance from this office

• Farm and ranch packages: dwellings, outbuildings, machinery, livestock and farm liability
• Crop insurance through partner carriers
• Business owners policies, general liability and commercial auto
• Workers' compensation for farms with employees and local businesses

Where is the office and when is it open?

Smith Davis Insurance, Logan
207 E 7th St, Logan, IA 51546
Phone: (712) 644-2456
Email: insured@smithdavisins.com

The office is on 7th Street in downtown Logan, a block from the Harrison County Courthouse, with parking out front.

Which communities does the Logan office serve?

We serve all of Harrison County plus the neighboring parts of Monona, Shelby and Pottawattamie counties. Most Logan clients live in Logan, Missouri Valley, Woodbine, Dunlap, Mondamin, Persia, Magnolia, Little Sioux, Pisgah and Modale, or on farms and acreages between them. Because Smith Davis also has offices in Council Bluffs and Papillion, a family that moves to the metro, or a Harrison County business that opens an Omaha location, keeps the same agency.

What should Harrison County homeowners and farmers know about insurance right now?

Iowa homeowners premiums rose 28% in 2025, the third-largest increase in the country, with an average annual premium of $2,802 and a 54% increase over two years, according to Insurify data reported by the Iowa Capital Dispatch. Hail, wind and severe thunderstorms are the cause. Western Iowa gets more than its share.

Three things we see on Harrison County policies that owners do not expect:

1. Roof settlement terms changed while nobody was looking. Many carriers writing rural Iowa now settle roofs over 10 to 15 years old at actual cash value (depreciated), and some will not write a roof over 20 years at all. On a farmhouse roof and a machine shed together, the gap between ACV and replacement cost after a hailstorm can run well into five figures. We check roof age and settlement terms on every property we quote from Logan.

2. Outbuildings and equipment are often underinsured or unscheduled. A farm package lists each building and each piece of machinery. If a grain bin, a new shop or a combine was added since the policy was written and nobody called, it may be covered for a fraction of its value or not at all. We review the schedule at every renewal and after every equipment purchase you tell us about.

3. Acreages fall between two products. A 10-acre property with a house, a few animals and a small shop is not a farm to most homeowners carriers and not a farm to most farm carriers either. It needs an acreage or hobby-farm policy, and the wrong form leaves the liability side exposed. This is the single most common coverage gap we correct for new Logan clients.

What auto coverage does Iowa require, and is it enough?

Iowa requires minimum liability limits of 20/40/15: $20,000 bodily injury per person, $40,000 per accident, and $15,000 property damage. Uninsured and underinsured motorist coverage must be offered but can be declined in writing. Those minimums are among the lowest in the country and have not kept pace with the price of a pickup or a hospital visit.

Most Logan households we insure carry 100/300/100 with uninsured motorist limits to match, and for farm operations we pair it with an umbrella. On US-30 and I-29, and on gravel roads at harvest, the difference between minimum limits and real limits is usually under $20 a month.

Who will I work with at the Logan office?

Kelly Craft, Personal Lines Team Lead
Kelly has more than 25 years in insurance and runs the Logan office, handling home, auto, acreage and life policies for Harrison County families from first quote through claims. Many Logan clients have worked with Kelly since the Warner Insurance days.

Behind the Logan office is the full Smith Davis operation: a commercial lines department led by Pam Kreitzinger with more than 39 years in the business, and a service team that answers the phone at all three offices.

Why choose an independent agency in Logan?

An independent agency represents you, not one insurance company. When a carrier raises Iowa rates 28% in a year or stops writing rural property, a captive agent has to deliver that news. An independent agent re-shops your policy across the other carriers we represent and moves you if it makes sense.

Smith Davis is a member of ISU Steadfast, a national network of independent agencies, which gives a small-town office the carrier access and claims leverage of a much larger firm. Warner Insurance Agency built its Harrison County relationships over decades; the Logan office carries them forward with more markets behind it.

Frequently asked questions about insurance in Logan, IA

Does my homeowners policy cover my outbuildings and equipment?
A standard homeowners policy covers detached structures at a small percentage of the dwelling limit and excludes farm use and farm equipment. If you have a shop, a barn, livestock or machinery, you need an acreage or farm policy with each building and major item scheduled.

How much does homeowners insurance cost in Logan, IA?
Iowa's average premium was about $2,800 in 2025 per Insurify. In Harrison County we see full replacement cost quotes for a typical in-town home ranging from roughly $2,000 to $3,800 per year, with rural dwellings and acreages higher depending on outbuildings, roof age and distance from a fire station.

Do I need flood insurance in Harrison County?
Properties near the Missouri River bottoms, the Boyer River and Willow Creek can be in FEMA high-risk zones, and the 2019 Missouri River flooding reached parts of the county. Standard homeowners and farm policies exclude flood. Check your address on the FEMA Flood Map Service Center or ask us to check it.

Can you insure my farm and my business in Omaha with one agency?
Yes. Smith Davis is licensed in Iowa and Nebraska from every office.

How do I file a claim?
Report claims directly to your carrier 24/7 (the number is on your ID card and in the GloveBox app), then call us at (712) 644-2456 during office hours so we can follow the claim and step in if it stalls.

About the Author

Jeff Brehmer, CIC, CPIA, is President and Owner of Smith Davis Insurance, an independent insurance agency serving Southwest Iowa and Eastern Nebraska since 1931 from offices in Council Bluffs, Papillion and Logan. He can be reached at (712) 322-1600 or insured@smithdavisins.com.

Last Updated: August 2026

Sources

• Iowa homeowners premium increases (Insurify data): Iowa Capital Dispatch
• Iowa minimum auto liability requirements: Iowa Department of Transportation
• FEMA flood zone lookup: FEMA Flood Map Service Center