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

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

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.