Coverage guide, Des Moines
Home
The house, your belongings and your liability. We match your roof and deductible to the carrier that wants it.
Premium from
$95/mo
Carriers quoted
12
Policy term
12 months
A homeowners policy, usually an HO-3 form, pays to repair or rebuild your house after a covered loss such as fire, wind, hail, a burst pipe or theft, and it covers your liability if someone is hurt on your property.
In Iowa the roof drives most of the price. Many carriers use a separate wind and hail deductible, often 1% or 2% of the dwelling limit, so a $350,000 house can carry a $3,500 or $7,000 deductible for storm damage alone.
Dwelling limit set to the cost to rebuild, not the market value
Replacement cost on the roof when the carrier offers it
Water backup and service line coverage as add-ons
What it covers
The house and attached structures (Coverage A)
A detached garage, fence and shed (Coverage B)
Belongings, at replacement cost if you choose it (Coverage C)
Hotel and extra costs while you cannot live at home (Coverage D)
Liability and medical payments for guests
Common gaps
Flood and earth movement are excluded; flood needs its own policy
Sewer and drain backup is excluded unless you add it
Older roofs may be paid at actual cash value, not replacement cost
Is this the right policy for you?
A 15-minute call tells you whether you need it, roughly what it costs and what to have ready. No obligation and no fee.
Coverage varies by carrier and policy form. Example premiums only, not a quote or an offer of coverage. Iowa license # 0000000 (demo).
Other policies worth a look.
6 or 12 months
Auto
Liability for damage you cause, plus collision and comprehensive. Iowa’s 20/40/15 minimum is rarely enough.
See the details
10 to 30 years, or permanent
Life
Term life replaces your income for the years people depend on it, compared across several life carriers.
See the details
12 months
Business
One business owner’s policy for property and liability, plus workers’ comp and commercial auto when needed.
See the details