Home Insurance in Newton, IA, Iowa Falls, IA, & State Center, IA

When you buy a home, be it a starter home or dream house, you are going to spend a considerable amount of time and money both on the purchase and the ongoing costs of maintenance and upkeep. The home you have worked so hard to build, and which you view as one of the foundation stone of your life, is truly deserving of the benefits provided by a personalized homeowners insurance policy. 

Interstate Insurance Services is Iowa’s trusted source of homeowners insurance and more. With our personalized help, you’ll be able to get the benefits that are designed to offer you optimized protection, and you’ll be able to do it all knowing that you’re working with a team of agents that is fully invested in each and every customer’s satisfaction. 

To get your policy, call us at (641) 792-7316 or request your free, no-obligation quote now! 

Common Home Insurance Questions 

Why Is Home Insurance Important? 

Owning a home costs money, and it’s a property value that you have to protect if you want to see a full return on your investment in time. Still, everyone knows that though you might work hard to create a safe, secure home, you cannot prevent every potential hazard that might strike on your property. You have to be prepared for these accidents by having homeowners insurance ready and waiting. 

House fires, severe weather, theft and vandalism, lawsuits brought by a neighbor—all of these accidents could cause a lot of damage and cost a lot of money for the homeowners. It is home insurance that can help the homeowner in covering the costs of their recovery so that they don’t have to dig deep into their own pockets to finance the project themselves. 

How Much Home Insurance Do I Need? 

Within the average homeowners insurance policy, you’ll find several different benefits, including: 

• Structure Protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.

• Detached Structures Coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.

• Possessions Insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

• Liability Coverage: If you accidentally harm someone or damage their property, you can use this coverage to repay them. Coverage will often apply to incidents both on and off your property.

• Additional Living Expense Protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

Still, it’s important to remember that all homes are unique, and you are best suited by customizing your plan with policy endorsements and supplementary policies. Those to consider investing in include: 

When Is Home Insurance Required? 

If you plan to finance your home with a mortgage, you will likely be required to buy homeowners insurance. Most federally insured mortgage lenders are required to mandate that all their loan applicants to purchase coverage. Still, regardless of whether you have a coverage requirement, consider coverage to be essential to your ability to feel secure in your home. 

How Can I Get Optimized Home Insurance Prices? 

We fully understand that your home insurance is important to you, and that you want to pay as affordable and valuable a price as possible for your coverage. We can insure homeowners of all kinds including condo owners, rental property owners, mobile homeowners and high-value homeowners. We’ll work one-to-one with you to figure out the best ways to get your home the coverage it deserves, but at prices you can afford.