Brown-Hurst Insurance Agency Inc., Servicing Iowa Home Insurance
In the state of Iowa, when you need the services of an independent insurance agent, you can count on our team at Brown-Hurst Insurance Agency Inc. to provide the personalized service you require. Buying a new home can be stressful, and learning all the things you need to know can be challenging. Our agents are here to help you decide what type of coverage you need.
Home Insurance Deductibles
When you file a claim on your home insurance, there will be a deductible. This amount is determined by you when you choose your policy. The higher the deductible, the lower the rate. However, keep in mind that you will pay the deductible on every claim; it is not a yearly deductible.
Limits on Home Insurance Coverage
It may feel safe to have home insurance, but while it does offer a lot of protection, there are quite a few exclusions. Traditional home insurance does not cover flooding, a major concern in many areas. It also does not cover any type of earth movement, including earthquakes, sinkholes, mud, and landslides. Additionally, homeowner neglect, such as infestations from termites and rodents, isn’t covered.
Choosing Your Personal Property Coverage
When it comes to personal property coverage, you have options. You can choose to cover your belongings for what they are worth today (current cash value) or what it would cost to replace them (replacement cost). It is less expensive to choose the current cash value, which accounts for depreciation.
Things That Increase Your Liability
Property features such as a dog, a trampoline, or a pool can increase your liability. Be sure to adjust your coverage amounts accordingly.
Contact the Brown-Hurst Insurance Agency Inc. team in Iowa to discuss your home insurance needs with one of our insurance agents.
