© Gavin Insurance 2011 2100 West 2nd Ave, Indianola IA 50125 ~ (515) 961-3377+ 800-833-3858 Serving Indianola & Central Iowa for over 30 years      Joe Gavin                                  Karen Williams    515-961-3377                               515-961-3377    515-681-4694    Office    Cell   Joegavin@mchsi.com                          karwill@mchsi.com Let us personalize your policy. Your house is your prized possession. In most cases your house is  your largest asset. If someone asked you, "Do you have enough  homeowners insurance?" ... would you know? What coverages should you have  on your homeowners policy? Have you reviewed your policy lately?  Enough Coverage? Make sure you have enough insurance to cover the cost of rebuilding your house at current construction costs. To figure out the amount of coverage needed, take the total square footage of the house and multiply by current local rebuilding costs per square foot. For example: A 2000 square foot home with local rebuilding costs of $150 per square foot (2000 * 150) comes to $300,000 of dwelling coverage. Make sure that your personal possessions are properly covered. We recommend that personal possessions are insured at replacement cost NOT actual cash value. Most homeowners policies will also provide coverage for loss of use. This means that if you need to live somewhere else while the house is being restored the insurance company will pay for this expense. The agents at Gavin Insurance recommend a call to us, as there are too many different types construction to use only 1 sq. footage cost.   Liability coverage is also included on most homeowners policies. This is very important. The minimum on most policies is $100,000. We recommend at least $300,000. In addition to the coverages mentioned, there are many other coverages to consider depending on the type of house, the contents in the house and any other structures located on the property.  Created by Redhawk Video & Web Design