Category: Home Insurance

Tornado damage that home insurance covers

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Over the past 150 years, more than 3500 tornadoes have wreaked havoc in the state of Iowa. Each year, several tornadoes tear through the state, causing varying degrees of damage. In 2024, a record-breaking 125 tornadoes were recorded.

Our team at Kerndt Brothers Insurance Agency in Lansing, IA, possesses the local knowledge to help our clients secure the right coverage to protect their homes and property from tornado-induced damage.

Damage Caused by Wind

Wind speeds in a tornado can range from 65 miles per hour to over 300 miles per hour, with the average being 110 miles per hour. The higher the wind speed, the more extensive the damage. The average width of a tornado is 50 yards, but it can extend to over two miles. Damage can range from torn-off roof tiles, uprooted trees, and shattered windows to complete home destruction at higher wind speeds.

Hail Damage

Hail often accompanies a tornado, and it’s not uncommon for hailstones to reach the size of a baseball. The damage caused by such large hailstones can be substantial.

Water Damage

If your roof is damaged by the winds or by a tree falling on your home, it can allow rain to enter. Your home insurance covers this type of water damage. However, flood damage is not covered. Roof damage can also lead to damage to the contents of your home.

Contact our team of independent insurance agents at Kerndt Brothers Insurance Agency in Lansing, IA, to ensure that you have the right coverage. You can reach us by calling our office or through our website.

Would it be helpful for someone in Iowa to get home insurance?

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For people residing in the Lansing, IA area, real estate ownership can be a great long-term housing option. When you are looking to buy a home in this area, you do need to ensure that you are careful about protecting it. One of the ways you can protect your assets is by getting a home insurance plan.

There are situations when this coverage will be helpful to have:

When Property is Damaged

A situation when having a home insurance plan will be helpful will come when your property is damaged. There are many risks that come with owning a home, such as if it is damaged in a fire, there is a bad storm, or you are a victim of vandalism. When you do have a home insurance plan, you will have the support necessary to replace or repair parts of your home. 

When Named Liable in an Accident

You also will want to have home insurance when you are named liable in an accident. If an accident does occur on your property, there is a chance you could be held liable and need to cover such damages. With home insurance, you will get the support you need to offset this risk. 

Reach Out To Us

Anyone that does live in the Lansing, IA area needs to ensure they have a home insurance plan in place at all times. When you are ready to start looking for coverage in this area, you can begin your search by calling our team with the Kerndt Brothers Insurance Agency.

Our professionals at the Kerndt Brothers Insurance Agency know how important this coverage is and they can offer any guidance you need to select your next policy. This can give you comfort that you are selecting the right plan for your situation. 

What every new homeowner needs to know about home insurance

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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.