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Hail, fire, and theft, oh my! We write homeowners insurance policies that cover Waterloo and Cedar Rapids, to Des Moines and beyond. Your home is your base – a valuable asset in your everyday life, and it needs to be protected. Work with PDCM Insurance to develop the right policy at the right price for you and your family.
Types of Homeowners Insurance Coverage
- Personal Property / Contents
- Property Damage
- Additional Living Expense / Loss of Use
- Medical Expenses
- Miscellaneous Coverage
- Personal Injury
- Excess Liability Coverage
- Flood Coverage
- Secondary Home
- Water Back-Up
A standard homeowners insurance policy insures the home itself and the things you keep in it. Typically, this is a package policy that covers both property damage and liability for injuries and property damage you or members of your family cause to others.
Property protection under your homeowners insurance policy includes dwelling, which offers protection for damage to the structure of your home – including fixtures, plumbing and heating due to a covered loss, such as fire or hail damage. It also includes other structures that may be detached, such as a garage, garden shed, driveway, patio, fence and swimming pool. Personal property will cover your contents and personal items, such as furniture and clothing.