Homeownership in Des Moines, IA is easily one of the greatest accomplishments in a person’s life – pinching pennies, making sacrifices, and saving as much as you can to purchase the home of your dreams. There’s no greater feeling than getting the keys to your first house. 

With that responsibility comes an important decision – who will you trust with your home insurance policy? The team at Max Insurance LLC is highly experienced at breaking down coverage options and policies to find the most suitable one for you, your family, and your beautiful home. 

While home insurance is not legally required in the state of Iowa, many mortgage lenders do require the owners to maintain a policy to secure a loan and to protect their investment. Lenders often require a minimum amount of insurance to act as coverage for your home, but the state minimum isn’t recommended as your only protection for your home. 

Quality home insurance policies include coverage for personal property inside the home, coverage for structures outside the home on your property, and liability coverage that protects you in the event that a guest or visitor becomes injured while on your property. Liability coverage protects you and can often cover medical bills and various other hospital expenses. 

Home insurance may never be something you need, and you’ll be fortunate if that’s the case. But we can’t predict what’s going to happen, particularly where weather and natural disasters are concerned. If you’re interested in exploring home insurance policies in Des Moines, IA, be sure to contact the team at Max Insurance LLC. We’re here to help, and we can help you find the plan that fits your lifestyle, your future plans, and all your investments. Reach out to us today! 

One of the most important things about your home insurance is that more than your house is covered in the policy. Any time you decide to add a structure to your property, all you need to do is update it with your insurance company, and it will carry the same protection as your home. 

Types of Eligible Structures

The list of structures that you can get insured on your property is probably longer than you may think. 

• Sheds
• Carport/Garage
• Fencing
• Pool/Guest House
• Detached Patio

If you have added one of the above structures to your home recently, they can be covered with the same protection as your home. Because they are located on the home property, they are considered a part of the home and could face damages similar to your home in the event of a tragedy. 

Adding The Structure To Your Insurance

Since most of these structures require some form of building permit, you should reach out to your insurance company at the time of construction and let them know that a structure is being built. Provide this record of the structure being built so that any materials on the property being used are also protected. Materials can be stolen or even damaged in a fire and will need to be replaced. 

Once the structure is completed, you will need to take pictures of the structure and send them to your insurance company. Depending on the size and type of structure, you may have an agent come out for their own pictures and records. The approved structure is added immediately to your policy. 

If you are in the Des Moines, IA area and need home insurance, contact one of our agents at Max Insurance LLC today for more information and to get your personalized quote.