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Home Liability Insurance - Additional Home Insurance Coverage Ames IA

Most home insurance policies will include some liability coverage. You might want to consider additional home liability insurance coverage if you keep any kind of hazardous machinery around the house

Severson Insurance Agency Inc
(515) 232-7203
205 Clark Avenue
Ames, IA
 
Cameron T K Insurance
(319) 752-0966
600 South Starr Avenue
Burlington, IA
 
Mason City All Risk Insurance
(641) 423-8785
1415 South Monroe Avenue Suite C
Mason City, IA
 
Nelson Brothers/schroder
(515) 274-4785
3621 Douglas Ave
Des Moines, IA
 
Farmers Insurance
(712) 328-9239
1221 East Pierce Street Suite 200
Council Bluffs, IA
 
Allstate Insurancemarci Baldwin
(515) 232-0771
516 Lincoln Way #b
Ames, IA
 
Wilson Agency
(319) 394-3904
621 Main Street
Mediapolis, IA
 
Western Iowa Mutual Insurance Association
(712) 482-6424
142 North Main
Oakland, IA
 
Campbell Insurance Agency Inc
(712) 328-3975
103 North Avenue Suite 9
Council Bluffs, IA
 
Allstate Insurance Dennis Royle Croquart
(563) 359-4644
2705 Kimberly Road
Bettendorf, IA
 

Home Liability Insurance - Additional Home Insurance Coverage

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Home Liability Insurance

Most home insurance policies will include some liability coverage. Most home insurance policies provide a minimum of $100,000 liability. You should consider $250,000 to $300,000 usually. While this might seem a small amount compared to the recommended liability protection that you should carry on your car, it's generally sufficient.

You might want to consider additional home liability insurance coverage if you keep any kind of hazardous machinery around the house; maybe you are a hobbyist wood worker or if you collect guns. Accidents with power tools and firearms are more deadly than your regular, garden-variety accident. If someone sues you because they are hurt by a gun on your property you will want to have additional coverage; given a litigious society and an ambivalent attitude towards guns in many areas.

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Because lawsuit's are more common today many are not comfortable with the level of liability in their home insurance liability policy. You can't blame them. If you aren't comfortable consider an additional "umbrella liability" home insurance policy. This is extra home liability coverage which will kick in when the liability under your home owne...

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