Hoffman Agency Knows What Your Home Means to You
The Hoffman Agency is dedicated to protecting everything held dear by homeowners in the greater Mapleton, Iowa area. We provide many options for our clients to protect their businesses, automobiles, farms and homes.
The home is typically the hub of life, especially family life; it’s the place where you keep all of your cherished belongings and is your retreat from the world after a long day at work. Your home is likely one of the most valuable things you will ever possess, but it is far more than just another personal effect.
Homeowners Insurance for Mapleton, IA And the Surrounding Area
Even homes that are well cared for are vulnerable to any number of unforeseeable misfortunes, including damage caused by fire, wind, hail, flooding, theft and vandalism. A home insurance policy is not necessarily all-encompassing against the losses that a policyholder might incur as the result of owning a home. When you work with Hoffman Agency, we’ll help you identify which types of risks your home and household are most prone to and build a policy that covers what you need to protect, but doesn’t make you pay for unnecessary coverage. Plus, we’ll be here to assist you through the claims process when the unthinkable happens.
What Owner’s Insurance Typically Covers
Coverage for Your Structure
In its most basic form, home insurance provides protection against the most common types of damage that can affect your home, including lightning, fire, hail and theft. That coverage can be further extended to cover losses caused by perils including falling objects, the weight of accumulated snow on the roof or sudden electrical discharge. The most comprehensive policy can even provide protection against misfortunes such as insect infestation, settling of the foundation, and government action.
Personal Belongings Coverage
Your home is filled with personal items belonging to your family including clothing, furniture, personal possessions, sports equipment, heirlooms and more. Under this policy, if any of these things are stolen or destroyed in a fire, hurricane, earthquake or other insured disaster, you are typically covered for 50-70 percent of the insurance on your structure. Regularly updating information on your belongings is important in determining how much coverage you need.
Property damage or bodily injury that you, a family member or pet cause to others are covered with liability protection and may pay the costs of defending yourself in court and any court ordered payments, up to the coverage limit in the policy.
If an insured disaster pushes you to evacuate your home, such insurance will cover your living costs until you can restore or rebuild your home, including motel and meal costs that exceed your everyday living expenses.
Hoffman Agents differentiate ourselves through our superior personal service and exceptional insurance products. We are more than happy to schedule a visit at your convenience. For more information please fill out the form below.