Homeowners Insurance Information
Home Insurance in Des Moines IA & West Des Moines IA
Protecting Residences Across Des Moines, IA, West Des Moines, IA, and More
As a homeowner, you have a lot of worries when it comes to protecting your home and everything in it. One bad storm or disaster could see you facing thousands of dollars in repairs, which is why Keep your peace of mind with a homeowners’ insurance policy from the experienced agents at Bishop White Insurance & Financial Services, Inc., who provide coverage to individuals and families in Des Moines, West Des Moines, Clive, Waukee and surrounding communities.
Why Do You Need Good Home Insurance?
An unfortunate truth of life is that things can go wrong that are completely out of your control. In the case of home ownership, you can be affected by such calamities as break-ins, destructive weather and accidents (such as someone getting injured on your property).
Here are some issues a secure home insurance policy can protect you and your family against:
Accidental water damage
Burglary, theft, vandalism and break-in damage
Fire and smoke
Frozen pipes or plumbing
Snow or ice damage
Water damage from water heaters or cooling systems/appliances
Windstorms and hailstorms
What Kind of Home Insurance Coverage Do You Need?
Home insurance can encompass many facets, including property insurance, homeowners liability insurance, ordinance or law coverage, home sharing coverage and scheduled personal property insurance.
A basic home insurance policy should include:
Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures.
Personal Belongings Coverage: Personal belongings coverage provides compensation for damages to your personal items such as furniture, decorations, clothes, electronics, etc.
Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your property.
Additional Living Expenses: Additional living expenses (ALE) help with costs related to temporarily moving if the home is rendered uninhabitable by a disaster.
Everyone’s home insurance needs are different, so it is important to understand every aspect of your home and your belongings as well as the dangers your specific state poses. In order to determine what kind of home insurance works best for your circumstances, consult an agent at Bishop White Insurance & Financial Services, Inc. today.
Protect Your Home with the Right Policy
By getting proper home insurance coverage, you are setting a key financial asset of yours up for success. Don't risk letting unpredictable forces or a costly mistake hurt the life you have built.
We offer several forms of coverage to suit various situations. Bishop White Insurance & Financial Services, Inc. will build a policy shaped around your home’s coverage needs. Request a quote or contact us to get started and learn what a tailored home insurance policy can do for you.