Homeowners Insurance Information
Protecting Residences Across Des Moines, IA, West Des Moines, IA, and More
Bishop White Insurance & Financial Services, Inc. is an essential insurance coverage that all homeowners need to have. It can help provide a layer of financial protection against costly liability and property damage claims. If you are a homeowner or are embarking on the journey of buying your first home, then you must adequately insure your property with a homeowners insurance plan that is customized to fit your precise needs.
What Is Homeowners Insurance?
Buying a home means making one of the most important and expensive investments of your life. That property value alone is worth protecting, and your home’s sentimental value is priceless, and homeowners insurance will help you get the safeguards that you need in order to feel secure.
You never know when an unpredictable event like a house fire, break-in or severe storm might occur. Homeowners insurance will pay many of these recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without overextending yourself financially.
What Does Home Insurance Cover?
Each policy is unique, offering various coverages depending on your needs. Here are some of the most common coverages:
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Possessions insurance—This portion of your policy protects the personal belongings in your home, such as furniture, electronics and clothes. Depending on the value of the items you want to insure, it may be beneficial to purchase a scheduled items rider since many property protection policies only cover replacement or repairs up to a certain amount.
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Liability coverage—If you accidentally harm someone or damage their property, this type of coverage will help you repay that person. This coverage typically kicks in whether you are on your own property or somewhere else when the incident occurs.
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Structure protection—This portion of your policy insures the physical structure of your home against damages caused by fire, theft, vandalism and other unexpected incidents. If you have structures on your property such as fences or detached garages, many policies also offer detached structures protection so you can insure those buildings as well.
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Additional living expense protection—This type of coverage helps you pay for living expenses such as hotel bills and meals if a covered event occurs in your home, making it uninhabitable for a short while.
You may also choose to add extra coverages to your policy, depending on your needs. Some common additional policies include umbrella liability insurance, flood insurance and earthquake and windstorm endorsements.
Get Homeowners Insurance Today
Choose us as your local homeowners insurance agency, and you’ll get access to a network of top-rated policies. We offer policies for residents of Des Moines IA and the surrounding areas, and we’re here to help you sift through the myriad of policy options on the market to find the perfect coverage solutions.
Call us for more information or request your free quote now.