Why You Need Home Insurance

When you are a homeowner, it’s likely that you are required to have home insurance by your lender. However, if it isn’t required for you, you still need to carry this insurance to help mitigate many risks that you face. If you own a home and don’t carry home insurance yet, call us today at Max Insurance LLC in Des Moines, IA to find out more. 

Why You Need Home Insurance

Covering Your House

A home insurance policy has coverage that is for your house itself. If something were to happen in an accident, disaster, etc., that was covered by the policy, the repair bills would go to the policy instead of to your pocket. A major incident that causes a lot of damage can cost tens of thousands and often even more. Keep yourself protected by carrying a home insurance policy for as long as you own your house. 

Protecting Your Belongings

It isn’t just the house itself that home insurance covers. It also covers all of your possessions that are inside that house. If an incident took place that destroyed your possessions, your policy can pay the cost of replacing them. This cost can be extremely high, depending on how much was destroyed. Home insurance protects you against having to come up with all of that money by yourself. 

Liability Protection

Another way that home insurance protects you is by covering your liability for accidents. If you had someone in your home, and they somehow became injured, your home policy can pay for the medical bills instead of it coming from you. This is important protection for every homeowner. 

Cover Your House With a Home Policy

If you don’t have a home insurance policy for your house, it’s time to get one. Give us a call at Max Insurance LLC in Des Moines, IA.