A happy couple in Des Moines, IA enjoying peace of mind with Homeowner Insurance from The Insurance Specialists Inc.

Protect What Matters with Homeowner Insurance

Your home isn’t just a place to live—it’s your biggest investment and a source of security for your family.

But what happens when unexpected events threaten everything you’ve built? Severe storms, hail damage, break-ins, or a sudden fire can lead to costly repairs or even total loss.

Without the right homeowner insurance, you could face out-of-pocket expenses that disrupt your financial stability.

At The Insurance Specialists Inc., we help homeowners in Des Moines, IA, and surrounding areas (West Des Moines, Ankeny, Urbandale, Johnston, Altoona, and more) stay protected with personalized homeowner insurance tailored to your home’s unique risks.

Our policies provide comprehensive coverage, including:

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    Theft & Vandalism – Protection for your home and valuables.

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    Liability Coverage – Financial security if someone is injured on your property.

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    Severe Weather & Natural Disasters – Covers storm, hail, fire, and wind damage.

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    Falling Debris & Accidental Damage – Prevents costly repair expenses.

When the unexpected happens, having the right Homeowner Insurance makes all the difference. Get in touch with our team today to explore your coverage options.

Customized Coverage Options to Meet Your Needs

At The Insurance Specialists Inc., we understand that no two homes—or homeowners—are alike. That’s why we offer flexible homeowner insurance solutions designed to protect both your property and financial well-being.

Partnering with trusted insurers, we help you find the right coverage at competitive rates so you’re prepared for the unexpected.

Our comprehensive coverage options include:

  • Home Structure Protection – Covers the cost of repairs or rebuilding if your home is damaged by storms, fire, or other covered events.

  • Personal Belongings Coverage – Ensures your valuables (electronics, furniture, jewelry) are repaired or replaced—whether damaged at home or stolen while you’re away.

  • Liability Insurance – Provides coverage if someone sustains an injury on your property or if you are found responsible for unintentional harm to another person’s possessions.

  • Temporary Housing Assistance – Helps pay for temporary housing and other expenses if a covered disaster leaves your home unlivable.

  • Flood & Earthquake Protection (Optional) – Add-on coverage to protect against specific natural disasters not always included in standard policies.

  • 24/7 Emergency Response Services – Immediate support for urgent repairs to help secure your home after unexpected damage.

Unexpected events don’t wait—make sure your home is fully protected with the right policy. Speak with our team today to explore your coverage options.

Why Choose The Insurance Specialists, Inc.

Selecting the right homeowner insurance provider is a key decision. Here’s why homeowners trust us:

Expert Guidance

Benefit from the knowledge of our experienced Iowa insurance specialists who have decades of industry expertise.

Personalized Coverage

Customize your homeowner insurance policy to meet your specific property and personal needs.

Affordable Rates

We partner with leading carriers to offer you competitive pricing without compromising on coverage.

Trusted Partnerships

Our strong relationships with top insurers ensure that you receive reliable and comprehensive protection.

Homeowner Insurance FAQs

Understanding homeowner insurance can be challenging, so we’ve gathered answers to some of the most common questions to help you make informed decisions with ease and confidence.

Homeowners insurance provides financial protection for your home and belongings against various risks. A standard policy covers damage to your property as well as your legal responsibility for injuries or property damage you or your family may cause to others. However, certain disasters like floods and earthquakes require additional coverage through separate policies.

Homeowners insurance helps safeguard your finances by covering the cost to repair or replace your home and possessions if they are damaged or destroyed by unexpected events. It also provides liability protection if someone is injured on your property or if you are sued for property damage. Most mortgage lenders require homeowners insurance, making it a must for protecting your investment.

A standard policy covers your home’s structure, personal belongings, and liability in case of injury or damage to others’ property. Commonly covered events include fire, wind damage, theft, and vandalism. However, floods, earthquakes, and maintenance-related issues are typically excluded, requiring separate policies.

The cost to rebuild your home depends on factors such as the size of your house, the materials used, and local construction costs. It’s important to have sufficient dwelling coverage to ensure your policy can cover the entire cost of rebuilding your home after a major disaster. Consulting with your agent and getting an accurate home appraisal will help determine the right amount.

Standard homeowners insurance generally covers certain natural disasters like windstorms, hail, and fire, but events like floods and earthquakes are excluded. You would need to purchase separate flood and earthquake insurance policies if you live in an area prone to these types of disasters.

It depends on the cause of the water damage. Standard policies cover sudden and accidental events like a burst pipe, but they generally do not cover damage from gradual issues like leaks or flooding. For flood damage, you would need a separate flood insurance policy.

Liability coverage helps protect you financially if someone is injured on your property or if you accidentally damage someone else’s property. This part of the policy can help pay for medical expenses, legal fees, and repairs, depending on the situation.

Market value refers to the amount your home would sell for on the open market, which includes factors like location and land value. Replacement cost is the amount it would take to rebuild your home using similar materials and quality. Homeowners insurance usually covers replacement cost to ensure you can rebuild your home to its previous condition after a loss.

Additional Living Expenses (ALE) coverage provides financial support if a covered disaster renders your home uninhabitable. It covers the extra costs of temporary living arrangements, such as lodging, food, and essential services, while your home undergoes repairs or reconstruction.

When selecting a provider, look for strong customer service, a good claims-paying reputation, and financial stability. Also, consider factors like policy options, available discounts, and the insurer’s process for filing and settling claims to ensure you’re covered efficiently when you need it most.

Our Other Home Insurance Services

Explore our range of comprehensive home insurance services designed to protect your property, whether you own or rent. Click on the links below to learn more about each service and find the coverage that fits your needs.

  • Renters Insurance: Safeguard your personal belongings and gain liability protection, even if you don’t own your home.

  • Mobile Home Insurance: Get coverage for your mobile or manufactured home, including the structure and your belongings.

  • Landlord Insurance: Protect your rental property with coverage for potential damages and liability claims.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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