Protecting Homeowners in West Des Moines and Waukee, IA
As a homeowner, you face risks that fall in many categories, all of which require coverage. Coverage helps you avoid paying large out-of-pocket costs in event that a risk becomes a reality. At the James Bellman Agency we have a homeowners program that contains exhaustive coverage options and can be adapted to suit your needs. This way, you can stay secure for the right price.
Our agents have been insuring homeowners for decades and know the markets in Central Iowa. They also know the needs of residents of this area. Our agents take a consultative approach to developing policies and will work with you directly to find the right solution.
Specialized Coverages Tailored to Your Needs
Homeowners insurance is designed to cover dwellings and other structures, personal liability, property, and assets. It can be broad and specific, but in any case, it must fit an individual policyholder. There are extensions of home insurance, like flood and earthquake policies, that may not apply to everyone but are important to discuss. At James Bellman we go over each factor that influences your risks and the manners in which you can mitigate these risks. From what we learn, we find the right solution and help you find the best methods of purchasing this solution.
The right solution always starts with coverages. The coverage options you have from James Bellman include:
- Property Insurance
- Homeowners Liability
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Scheduled Property Insurance
- Landlords Insurance
- In-Home Business Insurance
Our agents can discuss deductibles and limits and can educate you on trends in insurance and home ownership. These efforts will help you make the right decision. Since making the right decision is so important, we recommend discussing your options with a licensed professional before making the decision. This means that we recommend that you speak with us; we’re committed to helping you get the best coverage plan and maximize the value of your coverage.
Working with James Bellman to find a Solution
Homeowners insurance is not required by law, but it is wise to have this type of insurance. It’s even wiser to purchase home insurance that is not one-size-fits-all; doing so puts your assets and finances at risk. At James Bellman, we will understand your needs and budget and tailor a plan to these needs and to this budget. This means that you get comprehensive coverage for the right cost and ultimately can have confidence on your insurance.
In addition to providing strong products and personalized services, we help you reduce the likelihood that you’ll need to use your insurance and we help you use it optimally if a claim is filed. We manage risk by helping you employ best practices, which reduce the exposures you face and diminish the chances that these exposures will translate into damages. Also, we manage claims by advocating for you and guiding you through each step of the resolution process. This way, you can achieve resolutions that are suitable.
We proudly provide homeowners insurance in West Des Moines, Waukee, Urbandale, Clive, Des Moines, and Indianola, IA. We also serve other areas in the state and we serve Arizona as well.