Home Insurance

You're responsible for a lot of things in life, but your home is probably the most expensive. If you don't have a good Iowa home insurance policy, here's why you need to call Clemens Agency today.

Is Home Insurance Required?

The first thing you need to understand about home insurance is that there are situations where it's required. If you own a home free and clear, you don't have to carry any type of insurance for it. However, you'll probably be required to carry home insurance until you've fully paid off your loan, as that's a rule most banks have. If you live in an area that puts your home at risk for flooding, you may also be required to carry flood insurance to protect your home.

A Few Exclusions

When you purchase a home insurance policy, you're getting coverage for your home and everything in it. This coverage applies in pretty much every situation, so you don't necessarily need to know what your policy covers. Instead, it's important to understand the things that aren't covered: floods and earthquakes. Unless you purchase this coverage separately, you won't be reimbursed for flood or earthquake damage to your home.

Crucial Coverage

While some types of insurance are more of a luxury than a necessity, home insurance is crucial to have. If something happens to your home, chances are you can't simply afford to cover repairs out of pocket or purchase another home. With the right insurance policies, you don't have to worry about a disaster causing a major setback. Instead, your insurance company can help you pay for any damages and get things sorted out so you can return to your normal life.

If you don't have home insurance, you could be doing a lot more to protect yourself, your family, and your assets. If you need help getting the right Iowa home insurance policy, visit the Clemens Agency website to get a free quote today.