Choosing Homeowners Insurance 101

Insure the largest investment you will ever make: your home.

Insure the largest investment you will ever make: your home.

Although purchasing your first home may be one of the most expensive purchases you ever make, there is nothing better than having your own place to call home. Once you have a home, it is important to protect your financial and emotional investment by purchasing homeowner’s insurance.

There is a lot that needs to be considered when choosing a homeowner’s insurance policy that is right for you. Heartland Insurance Agency offers the following guide when looking to purchase homeowner’s insurance:

The house: Without the structure of the house, there wouldn’t be a house at all! A good homeowner’s insurance plan should help protect you from digging deep into your pocket for major repairs, replacements and even labor or material costs.

Additional structures: Outbuildings, sheds, barns and decks are all expensive and important add-ons that need to be considered when looking over homeowners insurance policies.

Liability: Depending on the type or location of your home, decide if your property could pose any risks to those who come to your home.  Accidents can happen and having proper insurance can protect you from liability fees, including court fees or medical fees.

Contents: A house wouldn’t be a home without your personal belongings.  Discuss with your insurance agent about the best way for you to protect those items.

Natural disasters: Living in Iowa, we are at risk for all sorts of natural disasters including flood, fire and tornado damage. It is important to prepare your homeowners insurance for minor damage or even for loss of use. This is an important topic to discuss with your insurance agent as your homeowners insurance will most likely only evaluate your risk for these disasters and you may need additional insurance, such as flood insurance, when considering damage coverage.

Heartland Insurance Agency understands that your house is more than just a financial investment, it’s a place to call home. If you would like more information on homeowner’s insurance, Heartland Insurance Agency is prepared to work with you today!


Heartland Bank, Member FDIC