Protecting Homeowners in Dubuque and Throughout Eastern Iowa Against Risk

Whether it’s an heirloom that’s stolen or a guest who’s injured, the risks that homeowners face are many.  These risks can be costly, and this is one reason among many why homeowners need protection.  Insurance provides necessary protection, and at Ludovissy & Associates we have a complete homeowners insurance program. 

We’ve insured homeowners in Dubuque and throughout Eastern Iowa for many years, and we offer a wide variety of coverages.  These are two reasons why we’ll give you the best possible insurance.  Also, we’re local, so we’ll know and understand your needs.  Knowing and understanding your needs will enable us to provide you with the finest experiences.

Homeowners Insurance Coverage Details

Homeowners insurance covers property and liability, and it also covers other things.  Coverages in most homeowners insurance policies include structure, personal belongings, liability, and additional living expenses.  We’ll help you select the right coverages, and we’ll also ensure that your policy or plan fits. 

The coverages from which you can choose include but are not limited to: 

• Property Insurance
• Homeowners Liability
• Renters Insurance
• Condo Insurance
• Mobile Home Insurance
• Scheduled Property Insurance
• Landlords Insurance
• In-Home Business Insurance

As a client of ours you may be able to save time and money if you take advantage of benefits and discounts for which you may be eligible.  Talk to an agent to learn about these benefits and discounts.

How Much Home Insurance do I Need? 

It’s crucial to have enough homeowners insurance to replace your home if a covered event causes its destruction. If your homeowners insurance limits are based on your mortgage amount, you may not have enough coverage to rebuild your home. Talk with your agent about getting a policy that could potentially cover the entire cost of rebuilding.  

Homeowners insurance also helps cover the costs of replacing your destroyed or stolen personal possessions after a covered event. If you have high-value collectibles or jewelry, ask your agent about purchasing additional coverage for those items.  

How Much Home Insurance Do I Need for a Mortgage? 

Home insurance requirements vary according to the mortgage company’s requirements. In general, you may have to purchase enough insurance to cover the cost of potentially replacing your home.  

You must have homeowners insurance in place before your lender will fund your loan. Contact us to get home insurance to meet your lender’s requirements.  

How Many Home Insurance Claims Can You File?  

In general, there are no maximum number of claims you are allowed to file. If you must file two or more claims within a five-year period, your insurer may raise your home insurance rates. Having more than two claims within five years could make it difficult to get insurance coverage if your insurer chooses to cancel your policy.  

Each insurer has different rules about the number of claims you can file before they raise your premiums or cancel your policy, so talk with your agent about how your insurer handles multiple claims.  It’s crucial to have enough homeowners insurance to replace your home if a covered event causes its destruction. If your homeowners insurance limits are based on your mortgage amount, you may not have enough coverage to rebuild your home. Talk with your agent about getting a policy that could potentially cover the entire cost of rebuilding. 

Local, Caring Agents Keeping You and Your Home Secure

We work with clients one-on-one in order to know and understand the clients’ needs.  Once we know clients’ needs we shop on clients’ behalves for the right coverages.  At the points that we’ve identified the right coverages, we create the best possible solutions. 

We regularly monitor policies and plans that we write, and this ensures that there are never gaps in coverage and also that the rates that clients pay are always competitive. 

Contact us or call us today.  To start on a policy, request a quote.

ADDITIONAL HOMEOWNERS INSURANCE INFORMATION:

• Homeowners Insurance Basics (The Insurance Information Institute (III))
• Homeowners Insurance Details and Resources (Investopedia)
• Homeowners Insurance Shopping Tool (The National Association of Insurance Commissioners (NAIC))

We’re proud to provide homeowners insurance in Dubuque, Bellevue, and Maquoketa, IA and in E. Dubuque and Galena, IL, and also in Platteville, WI.  We also serve other areas in Iowa, Illinois, and Wisconsin, and we serve Florida and Arizona.