A Guide to Choosing Homeowners Insurance

posted 8/7/2015 in Insurance

Summer is a popular time for home buying, and maybe you even just bought your first home. Congratulations!

As the largest asset most people will ever acquire, your home needs adequate homeowners insurance to protect from loss or accidents. There are many aspects of homeowners insurance that need to be considered when choosing the best policy.

LSB Insurance wants to help you evaluate each component of homeowners insurance to find the best fit for you and your home.

The house: A solid homeowner’s insurance plan should help protect you from digging deep into your pocket for major repairs, replacements and even labor and 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.

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

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

Natural disasters: Living in Iowa, we are at risk for all sorts of natural disasters, including flood, fire and tornado damage. This is an important topic to discuss with your LSB Insurance agent as your homeowners insurance will most likely only evaluate your risk for these disasters. You may need additional coverage, such as flood insurance, to help cover your property for unexpected disasters.

Having homeowners insurance is part of being a responsible homeowner.  Just as every person is unique, so is every home.  LSB Insurance can help protect you and your home with a homeowners insurance plan that is right for you. Stop in or visit our website to consult with a friendly insurance agent today!

LSB Insurance, a Lincoln Savings Bank Company

Not FDIC Insured | May Lose Value | No Bank Guarantee

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