We cover homeowners throughout the Des Moines Metro. From the brick homes in Beverdale to the unique homes south of grand all the way out to the new developments in Waukee. If you are in the metro, we have you covered.
Homeowners Insurance provides coverage for your home and other buildings on your property as well as the contents: furniture, clothing, electronics, appliances, and personal belongings. It also covers additional living expenses if you have to move out during certain repairs and liability coverage if someone is accidentally injured or their property is damaged.
Optional Types Of Home Insurance Coverages
- Replacement Cost Contents: Eliminates depreciation on your personal belongings.
- Additional Replacement Cost Protection: In the event of a covered total loss, this additional protection will provide enough money to rebuild your home.
- Water Back-Up: Provides coverage for damage caused by water entering your home through sewers or drains.
- Flood: Provides protection in the event your home suffers from rising flood waters.
- Identity Theft Protection: Provides access to a consumer fraud specialist who can help you reclaim your stolen identity, and reimburse you for the expenses associated with clearing your name and financial record.
- Scheduled Personal Property: This is additional coverage for people who own valuable possessions and need more coverage than a basic policy. (Items such as: jewelry, coins, furs, computers, guns, cameras, musical instruments, china, crystal, etc…) Scheduled property does not have a deductible.
Homeowners Insurance F.A.Q.
What property and perils are excluded from most homeowner policies?
Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear damage, war, etc.
*It must be noted that these are a mere sample of property and perils not covered. A complete review of your policy is the only way to determine what property is covered and what perils are insured against.
What factors can affect homeowners insurance premiums?
- Home Features and Characteristics — Your home's age, type of structure, wiring, age and type of roof, garage, etc., can affect your homeowners insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.
- Location — Where your home is located can change your homeowners insurance premium. For instance, your home insurance rate can be affected if your home is in close proximity to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.
- Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and dead bolt locks can lower your homeowners insurance premium.
- Personal Factors — What you do can affect your homeowners insurance premium, too. A good credit history also can lower what you pay for home insurance.
- Claims History — If you have a history of claims on a homeowners insurance policy, you may pay a higher premium.
Recent rainstorms have flooded and damaged my basement. Is there any coverage under my homeowner’s policy?
Flood coverage is generally excluded on the basic homeowners policy. However, some homeowners policies provide coverage for backup of sewers and drains that cause flooding in your basement. This coverage can be purchased for a nominal premium. You should check with your agent to see if this coverage is provided and how much it costs.
If, however, you live in a flood-prone area, you should consider – and may be required by your lending institution – to purchase a flood insurance policy. Your agent should be able to inform you about the Federal Flood Insurance Plan and the exclusions and limitations of coverage in this policy.
Why should I complete a home inventory?
With a complete home inventory, your insurance company can verify property easier, which makes settling your claim easier.
A few home inventory organization tips:
- Remember to list big-ticket items like jewelry, artwork and collectibles.
- Take pictures of rooms and important individual items.
- Videotape your home by walking through it and describing the contents throughout the house.
- Save an inventory list on your personal computer and store it on a separate disk or drive.
- Put all your photos, lists and videotape documentation in a safe deposit box.