2932 104th Street Urbandale, IA 50322

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Home Insurance

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What You Need to Know about Homeowners Insurance

Your home is by far your biggest asset, and it’s worth protecting with adequate homeowners insurance coverage. Few people could afford to rebuild their home if something happened to it. But even if you have enough assets to build or buy another home, there are better uses for that money. Homeowners insurance allows you to take some of the risks with owning a home and transfer them to the insurance company.

Far too many houses are damaged or destroyed each year because of fire, storms, or even flooding. Having comprehensive insurance gives you the peace of mind that your asset is protected. At Jayson Jones Insurance, we specialize in finding the best home insurance policy to fit your needs.

What Does Home Insurance Cover?

Home insurance includes 4 main coverage areas. The most important part is the dwelling of your home, but insurance also protects your personal belongings, provides liability protection, and covers the cost of temporary housing if your home becomes uninhabitable because of a covered incident.

Here are some examples of what your house insurance can cover:

Client Centered
  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you think about the potential costs of repairs and the list of things your insurance policy covers, you’ll be glad you opted for extra protection. Keep in mind that not all of the things on this list are automatically included. As your insurance experts, we’ll make sure you know what is and what isn’t covered under your policy.

What Your House Insurance Doesn’t Cover

Many people shop for insurance purely based on price. That’s a mistake, because you might end up with a policy that doesn’t offer you the protection you thought you had. For example, if you have a trampoline or swimming pool, your policy must specifically include them as part of your liability coverage.

Here are some other common misconceptions about homeowners insurance:

  • Most policies will not cover sewer backup unless you purchase a special endorsement.
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered unless you purchase flood insurance.
  • A standard homeowners policy only covers jewelry up to set limits if the loss resulted from one of the named perils in the policy.
  • Many policies default to actual cash value, which means if you purchased a wide-screen TV and home theater system for $1,000, it may now only be worth $450, so that’s all you’ll receive on the claim.

Our insurance specialist will help you find the homeowners insurance policy that provides the coverage you need. We can create a customized policy for you that protects your asset, giving you the peace of mind you deserve.

Who Needs Homeowners Insurance?

Who Needs Homeowners Insurance?

If you own your home, whether you have a mortgage or not, you need homeowners insurance. Otherwise, you might lose everything you’ve worked so hard for.

Here are the homes that need insurance:

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes

We can help you select the best coverage for your situation, whether you’re protecting a single-family home, a condo, or a seasonal residence.

Frequently Asked Questions

Homeowners insurance is not legally required. If you have a mortgage, your lender will require home insurance. However, having full insurance coverage is still in your best interest because it protects your most important asset.

Homeowners insurance offers a layer of financial protection. It covers repairs and replacements costs if your home is damaged or destroyed. But it also includes a liability portion which protects your other assets as well.

You need enough insurance coverage to rebuild your home if necessary. Insure the home for its replacement value or how much it would cost to rebuild. You also want to insure your belongings and get adequate liability coverage. If you have significant assets, you can add an umbrella liability policy for more coverage.

Talk to Us about Your Homeowners Insurance Needs

We specialize in finding the right insurance policy for you, because we know your insurance needs are unique. Contact us today to schedule an appointment and discuss your home insurance needs.


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