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Home » Homeowners Insurance

Homeowners Insurance in West Des Moines, Urbandale and Throughout Iowa

What Is Homeowners Insurance?

Becoming a homeowner may be one of the most important moments in your life. However, like any other significant financial investment, it’s essential that you implement robust protection for your home. With that in mind, a good homeowners insurance policy is crucial to mitigating risks and financially protecting your property. Regardless of how responsible and diligent you may be in maintaining your home and suppressing hazards, certain incidents may be inevitable. Without adequate homeowners coverage, even a single event could have irreparable ramifications for your home, family, finances and future.

How Does Homeowners Insurance Work?

As its name suggests, homeowners insurance can provide a diverse safety net for your home, property and family. The agents at McCartan Insurance Group can help assess your unique coverage needs and build an optimal policy that will be able to provide financial assistance in response to many potential incidents. By maintaining adequate homeowners coverage, you may be able to access crucial resources that will limit your out-of-pocket losses and expenses.

Although the details of your homeowners insurance policy are customizable and may be unique, in most cases your coverage can insulate you from damages involving the following:

  • Dwelling—Your insurance can help pay to repair the physical structure of your home, including attached garages, plumbing, electrical wiring, and heating and air conditioning systems.
  • Detached structures—This coverage provides financial protection for structures on your property that are not attached to your primary residence, such as guest houses, detached garages, sheds and gazebos.
  • Personal possessions—This component of your homeowners policy can render financial aid to repair or replace your belongings, including electronics, clothing, furniture, jewelry and other valuables.
  • Loss of use—If an incident makes your home uninhabitable or otherwise forces you to vacate the premises temporarily, this coverage can help pay for resulting expenses, such as hotel accommodations and restaurant meals.
  • Liability—This coverage can provide financial assistance if you are responsible for an incident from which another party, such as a neighbor or guest, accrues losses. This may include medical bills, lost income, property damage and legal costs.

While policy details vary, the following perils are coved by most homeowners insurance policies:

  • Fire or lightning
  • Smoke
  • Explosions
  • Damage caused by vehicles
  • Damage caused by aircraft
  • Volcanic eruption
  • Windstorms and hail
  • Theft
  • Vandalism and malicious mischief
  • Riot or civil commotion
  • Falling objects (e.g., rocks, tree limbs)
  • Weight of snow, ice, or sleet
  • Accidental discharge/overflow of water
  • Freezing
  • Power surges

Depending on your specific circumstances, you may want to consider augmenting your homeowners insurance with additional coverage. Further insurance may be necessary if you live in an area susceptible to floods, hurricanes or earthquakes.

Is Homeowners Insurance Required?

Although homeowners insurance is not required by law in most cases, if you hold a mortgage, most lenders require you to maintain a homeowners policy throughout the term of your loan. If you fail to do so, your lender may purchase insurance themselves; however, this coverage may only provide financial protection for them while you will have to pay for any losses out of pocket. Even if you are not mandated to carry homeowners insurance, this type of coverage may be invaluable.

How Much Does Homeowners Insurance Cost?

Like most types of insurance, the cost of sufficient homeowners coverage may vary. At McCartan Insurance Group, our experts will thoroughly analyze the details of your situation before quoting you a price. In most cases, this process will include consideration of the following criteria:

  • Location
  • Structural details (e.g., type of home, building materials, condition of roof, etc.)
  • Assessed value
  • Property details (e.g., security systems, attractive nuisances, valuable belongings)
  • Prior claims
  • Policy details (e.g., coverage limits, deductibles)

Get the Right Coverage

Insuring your home is an essential step in protecting it. Even a single incident could lead to catastrophic losses and devastating financial consequences without sufficient coverage. Having to manage such situations without homeowners insurance could lead to significant hardship, having to change your lifestyle and even potentially losing your home.

The agents at McCartan Insurance Group are committed to ensuring that doesn’t happen to you. With over 15 years of experience serving residents in West Des Moines, Urbandale and throughout Iowa, our homeowners insurance experts will work with you to assess and address your coverage needs. Contact us today to get started.