Protect Your Home & What’s In It

Adamson Insurance & Associates offers home insurance in Ankeny, IA that protects your house and what matters inside it.

Our team checks rates from different carriers to match you with coverage that makes sense for your home and budget. You’re welcome to ask for an insurance review anytime at no cost.

Coverage Options for Ankeny Homeowners

Your homeowners policy can be tailored to fit your home, lifestyle, and budget. Below are the coverages most Iowa homeowners choose for stronger protection:

  • Replacement Cost Contents

    Covers the full cost to replace personal belongings—without deducting for depreciation. That means if your furniture, electronics, or appliances are damaged, you’ll receive what it costs to buy new ones today.

  • Additional Replacement Cost

    Adds an extra layer of protection if rebuilding costs exceed your policy limit after a total loss, helping you rebuild your home to its original quality.

  • Water Back-Up

    Protects against damage caused by water entering through drains or sewers—a common issue in Iowa homes during heavy rain or melting snow.

  • Flood Coverage

    Covers damage from rising floodwaters, which standard homeowners policies don’t include. Ask our team about adding separate flood protection for your area.

  • Identity Theft Protection

    Gives you access to a fraud specialist who assists in restoring your identity and reimburses expenses linked to clearing your financial records.

  • Scheduled Personal Property

    Provides added protection for valuable possessions such as jewelry, collectibles, instruments, and similar items.

    It extends beyond what standard homeowners coverage includes and comes with no deductible, ensuring your most prized belongings stay insured at their full value.

Family home in Ankeny, IA insured by Adamson Insurance & Associates with Home Insurance

Additional Coverage Options

Your protection doesn’t have to stop at your home. Adamson Insurance & Associates also offers coverage for other important parts of your life.

  • Auto Insurance

    Safeguard your cars, trucks, or SUVs with policies that fit Iowa’s driving conditions. From winter weather to daily commutes, our team helps you find auto coverage that keeps you protected on the road.

  • Renters Insurance

    If you’re renting instead of owning, we can help you protect your belongings and personal liability with affordable renters insurance. It’s an easy way to stay covered even without a mortgage.

Why Home Insurance Matters in Ankeny, IA

Owning a home in Iowa comes with unique challenges—from severe storms to freezing winters. The right coverage helps you recover faster and stay financially secure when the unexpected happens.

  • Recover Quickly After Major Damage
    If disaster strikes, your policy helps rebuild your home and restore normal life without draining your savings.

  • Stay Covered Through Iowa Weather
    Water from sewer backups, melting snow, or heavy rain can cause serious damage. With the right protection, you can manage repairs and recovery confidently.

  • Protect Your Finances and Liability
    Unexpected injuries can occur on any property. Liability protection helps cover the cost of medical care or legal expenses if someone is hurt at your home, keeping your finances secure.

  • Guard Against Identity Theft
    Our policies can include fraud recovery services and reimbursement for related expenses, saving time and stress if your identity is ever compromised.

  • Add Coverage for High-Value Items
    Jewelry, collectibles, or instruments can be insured separately with no deductible, ensuring your valuables are fully protected.

  • Meet Mortgage Requirements
    Most lenders require homeowners insurance. Reliable coverage helps you meet those terms and safeguard your long-term investment.

Homeowners insurance isn’t just about replacing what’s lost—it’s about keeping your stability and peace of mind. Request a quote or no-charge policy review to make sure your Ankeny home has the protection it deserves.

Answers to Your Home Insurance Questions

Homeowners insurance helps cover your house and everything that makes it a home—from the structure itself to your personal belongings—against losses caused by events like fire, theft, storms, and certain kinds of water damage.

It also helps cover expenses if someone is accidentally injured while visiting your home.

At Adamson Insurance & Associates, we work with several carriers to help Ankeny homeowners find coverage that fits their budget and everyday risks.

While Iowa law doesn’t require every homeowner to carry insurance, most mortgage lenders do.

They’ll ask you to maintain a homeowners policy as part of your loan agreement.

Even if you own your home outright, keeping coverage is the best way to protect your investment from sudden damage or loss.

As an independent insurance agency, we’re not tied to a single carrier.

We review your home, budget, and coverage needs, then compare several insurance companies on your behalf.

Our goal is to help you find reliable protection at a fair price — and we never charge for an insurance review.

Many homeowners policies protect the house itself, your personal belongings, and also include liability coverage if someone is accidentally hurt on your property.

It may also include loss-of-use coverage that helps pay for temporary living expenses if you can’t stay in your home during repairs.

Additional options like water back-up or identity theft protection can be added for stronger protection.

Most standard policies don’t cover flood damage from rising water, routine wear and tear, or damage caused by neglect.

Those events usually require separate coverage or maintenance.

We’ll review your policy with you to make sure you understand what’s included — and what extra protection might make sense for your situation.

Homeowners insurance may cover water damage if it comes from sudden internal causes, like a burst pipe, but not from rising floodwaters.

In Iowa, where snowmelt and storms are common, adding water back-up coverage can help protect against damage from sewers or drains.

We can help you understand the difference so you’re not caught off guard when water starts to rise.

No — flood insurance is separate from your homeowners policy.

Most carriers require a stand-alone policy to cover flooding from rivers, heavy rain, or melting snow.

If your home is in or near a flood-prone area, we can help you explore affordable flood coverage options so your home stays protected year-round.

Yes, wind and hail are typically covered under a standard homeowners policy.

These coverages are especially important in Iowa, where strong storms and seasonal hail are common.

We’ll review your limits and deductible options to make sure you’re prepared before the next storm hits.

Many homeowners policies include coverage for sudden water damage caused by burst pipes, though not every plan is the same.

During Iowa winters, even a short power outage can cause pipes to freeze, so it’s important to review your coverage.

We can help you confirm what your policy includes.

Your premium depends on several factors — your home’s value, age, roof condition, location, and claim history.

Ankeny homeowners may earn rate reductions by adding safety measures—like smoke detectors or security systems—or by bundling their home and auto insurance through the same carrier.

Because we work with multiple carriers, we can compare rates to help you find the right balance between coverage and cost.

You can often lower your premium by keeping your home well-maintained, installing smoke detectors or security systems, and bundling your home and auto policies.

Adamson Insurance & Associates also reviews multiple carriers to find the best available rate.

A quick policy review can show where you might save without reducing important coverage.

Yes. Bundling your home and auto policies with the same carrier often results in a lower total premium.

Many of our clients in Ankeny save this way.

Because we work with several top insurance companies, we can compare bundle options and help you decide which combination offers the best value.

Replacement Cost Coverage helps pay the full cost to repair or rebuild your home or belongings using materials of the same type and quality.

It doesn’t factor in depreciation, so you’re reimbursed based on today’s prices, not the item’s age or original cost.

This coverage ensures you can replace what you lose without added financial strain.

Water Back-Up Coverage helps cover damage caused by water entering your home through drains or sewers.

Since Iowa homes can face water issues from heavy rain or melting snow, this coverage is an important add-on.

It’s especially helpful if your home has a basement or older plumbing.

Scheduled Personal Property coverage offers extra protection for valuable items like jewelry, collectibles, or musical instruments.

These items often exceed the limits of a basic homeowners policy.

Addingthis coverage ensures your most valuable possessions are insured with no deductible, giving you peace of mind.

Identity Theft Protection provides access to a consumer fraud specialist who helps restore your financial records if your identity is stolen.

It can also reimburse you for related expenses.

This added layer of support helps you recover faster and with less stress if you ever face identity theft.

Additional Replacement Cost coverage adds extra funds beyond your policy limit if a total loss exceeds the amount of your regular coverage.

It’s designed to help you rebuild your home to its original quality, even if construction costs have increased.

This protection can make a big difference after severe storm or fire damage.

If you need to file a claim, contact our office directly so we can guide you through the process with your carrier.

We’ll help document the damage, connect you to your insurer, and make sure you understand each step.

Our goal is to help you restore your home and peace of mind as quickly as possible.

Mortgage lenders require homeowners insurance because your house is the collateral for the loan.

Having insurance protects both you and the lender if damage occurs.

With the right policy, you’ll meet your lender’s requirements and protect your investment at the same time.

Absolutely. At Adamson Insurance & Associates, we never charge for an insurance review.

We’ll look over your current coverage, compare rates with multiple carriers, and help you make sure your policy still fits your home and budget.

It’s a simple way to confirm that you’re getting the right protection before you renew.

INSURE WHAT MATTERS MOST. GET A QUOTE TODAY.

We never charge for an insurance review. Call or stop in today.

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  • Anti-theft devices

  • Newer construction

  • Smoke detectors

  • Multi-policy

  • Fire alarms

  • Paid in full, electronic deductions

  • Deadbolt locks

  • Sprinkler systems

  • Fire extinguishers

  • Gated community

  • Loss free

  • and many more…

Related Insurance Coverage

Customer Comments

Just renewed home and vehicle policies. Great staff, organization, and customer service.

David McDonald , Des Moines, IA
I have had amazing experiences with Adamson & Associates from supporting me during a move (homeowners policy) to consistently providing top-notch customer service during times of need like after the derecho and forgetting about an expired auto ID card while renting a car. Mike, Erin, and the team provide A+ service — they’re all very quick and attentive. Thanks team!
Susan Metheny, Ankeny, IA
Rebekah Jo

They were very professional. With a welcoming staff and very nice facility. They were there to help anywhere from larger business accounts to personal accounts needs. I will highly recommend using Adamson Insurance & Associates.

Rebekah Jo , Ankeny, IA

PARTNERS

travlers insurance
integrity insurance
firstcomp insurance
foremost insurance group
auto owners insurance
progressive insurance
aaa insurance
the hartford insurance
west bend insurance
berkshire hathaway guard insurance
selective insurance
sfm insurance logo