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First Choice Insurance Services

605 11th ST SW
Spencer, IA 51301

Phone : 712-580-4642
Fax : 712-580-4643
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Home Insurance

Shopping and buying a new home in Iowa is an exciting event that signals a new page in life. That new page is taking full responsibility for protecting your new house and everything in it. Ideally, your first step towards keeping your home safe involves buying home insurance. So, what's a home insurance policy? What does it cover? and why do you need it? First Choice Insurance Services will help answer all your questions in this article.

What is a home insurance policy and what does it cover?

A homeowner's insurance policy is a contract between a policyholder and an insurance company that helps pay for damage, legal fees, injuries, or losses as a result of an accident. The policy covers your entire home, its contents, and the people living in it, including pets. However, not all damages are covered, such as floods.

Home insurance covers:

  • The dwelling
  • Other structures
  • Personal belongings
  • bodily injury liability
  • Property damage liability
  • Additional living expenses

Why do you need a home insurance policy?

Installing security systems and reinforcing your doors and windows are great ways of keeping your home safe. However, we don't just protect our home from burglars but from constant accidents which in most cases we are not in control of. For instance, if a guest slips and falls in your home or a neighbor's child get injured while playing in your yard, they may decide to sue you for the injuries. If you don't have a home insurance policy, the hefty legal fees can take a toll on your wallet. You also want some peace of mind and an assurance that there is a backup plan in case something terrible happens and your home becomes inhabitable. Your insurance company will help settle you down temporarily as your damaged home gets fixed.

Home Insurance protects your home from an extensive selection of catastrophic events that can quickly render you homeless. At First Choice Insurance Services, we are all about helping you keep your Iowa home and loved ones safe. Try us today!

Partner Carriers

  • AAA