Buying a house is a big deal. You want to do all you can to protect this huge investment. Not only will this be your residence, but it will also be your home, which carries with it a lot of emotional value as well. At Max Insurance LLC, it is our goal to help homeowners understand home insurance so that they can make the best insurance choices in Des Moines, IA. Keep reading to learn more. 

Do I Need Home Insurance?

If your home is mortgaged, you will most likely be required by your mortgage company to carry home insurance. This protects the mortgage companies investment into the home while you are paying on it. 

Even if you are not required by a mortgage company, though, home insurance is the only way to ensure that you are not left with catastrophic expenses if something were to happen to your house. If the house is damaged or destroyed due to fire, natural disaster or robbery, you would be responsible to repair or replace your home. This could put you and your family in a vulnerable position financially. 

Is Flood Insurance Included

Many homeowners assume that flood insurance is included in their policy. This is rarely the case. If your home suffers water damage because of something faulty within the home, your policy may cover those damages. Flood damage from a naturally occurring flood in your area, however, is something entirely different. You will need to sit down with an insurance representative to discuss flood insurance details. 

If you would like to learn more about home insurance or any of our other services, please contact us at Max Insurance LLC serving Des Moines, IA and the surrounding areas. 

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.