What every new homeowner needs to know about home insurance

As a new homeowner, you may be a little confused by home insurance. You need to have it if you have a mortgage and must decide exactly what coverage is important to you. In Lansing, IA, you can count on Kerndt Brothers Insurance Agency to provide the personalized local service you require. As independent insurance agents, we can offer more choices to find the right home insurance for our customers. 

You decide how much liability insurance is right for you.

A basic home policy has basic liability coverage. While basic coverage is okay if you have very little in the way of assets, if you have savings and some valuable investments, it might be a good idea to discuss the amount of coverage that makes you feel comfortable. If you have a dog, it is also a liability, and some breeds can’t be insured. It might be that an umbrella insurance policy might be something for you to have to feel protected. 

Home insurance doesn’t cover everything.

Every type of insurance has exclusions, and home insurance has quite a few. One of the major ones is flooding. Many areas are prone to flooding, even occasionally, and if that danger exists for you, you need to know that your home insurance won’t cover it. Earth movement is not covered,  and if you don’t keep up the maintenance on your home and something goes wrong, your insurance likely won’t pay for it. 

Content coverage

Content coverage comes in two types; what the item is worth and what it would cost to replace. You can choose the type you prefer. Some content categories have limits, and you should read your policy to know what they are. 

Contact Kerndt Brothers Insurance Agency in Lansing, IA when you need information about home insurance.