Home Insurance
Secure your peace of mind by protecting your property and belongings.
Protect your most valuable assets with homeowners and renters insurance coverage through Midwest Bank Agency. Safeguard your property and possessions against unexpected events, from natural disasters to theft. Enjoy peace of mind knowing you’re covered and choose from our flexible policies tailored to your specific needs and budget.
Homeowners Insurance
Protect your home with this critical safety net that also offers peace of mind and financial security for your most valuable asset – your home. Homeowners insurance provides essential protection for your home and personal belongings as well as shields you from potential legal and medical expenses if someone is injured on your property. Home insurance helps to not only protect your family and your home, but also protects your future.
What does your home insurance protect?
Shield your home from unforeseen perils with our comprehensive homeowners insurance, providing financial security and peace of mind.
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Appliances
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Damage from a car or vehicle
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Explosions
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Falling objects
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Fire and smoke
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Frozen plumbing and types of water damage from plumbing
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HVAC systems
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Lightning strikes
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Theft
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Vandalism/malicious mischief
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Windstorm or hail
How to insure your home
Choose your coverage
We’ll help you find the right protection that will be perfect for your needs.
Apply for a policy
We make the process easy and quick, fast and simple!
Stay protected
Life is full of changes, so should your insurance. We’ll help make sure you’re covered no matter what stage of life you’re in.
Contact an Agent Today
Our staff are here to help you get started with the home coverage you need to protect the people and things you love.
Types of Homeowners Insurance
Dwelling
Protects the physical structure of a residential property, covering damages from various perils and offering additional liability and living expense coverage.
Personal Property
Protects your belongings, such as furniture, electronics, and clothing, from theft, damage, or loss.
Liability Coverage
Provides financial protection in case you are legally responsible for injuries to someone or damage to their property that occurs on your property or due to your actions.
Personal Umbrella
Provides an extra layer of liability coverage beyond your standard policies, offering increased protection for unforeseen accidents or legal disputes.
Renters Insurance
Renters insurance is essential for safeguarding your belongings. In the event of theft, fire, or natural disasters, it covers the cost of replacing or repairing your possessions. Additionally, it provides liability protection, ensuring you’re financially covered if someone is injured while on your rental property. Don’t risk your peace of mind; get renters insurance today.
What does your renters insurance cover?
Your Personal Property
Provides you with protection if anything you own is damaged or stolen or you face an unexpected life event like a storm, fire, or theft.
Your Liability
If someone outside your household gets hurt at your property – think a friend trips on the stairs or their property is damaged, and you are sued – liability coverage can help cover any legal fees or settlements.
Why Midwest Bank Agency?
Hands-on personalized service
You’ll have a partner throughout the entire process, and will be right there to advise you the entire way.
We work to save you money
Finding the right plan to fit your needs is our primary goal.
Community-based values
We work directly with our friends and neighbors, and work to find the best solutions for them.
Frequently Asked Questions
What does a homeowner’s policy typically cover?
A homeowner’s policy typically covers perils like fire, theft, windstorm, hail, lightning, vandalism, and some other natural disasters. Coverages vary so be sure to talk with your agent and check your policy.
Does my homeowner’s insurance cover other structures on my property?
Typically, homeowner’s insurance will cover other stuctures on your property like your garage, shed, or fence.
How much insurance coverage should I have on my home?
The amount of insurance you should have on your home depends on multiple factors, including how much it would cost to rebuild your home, the value of your personal belongings, and your liability coverage needs. We can help you to determine the appropriate coverage based on your specific needs and features of your home.
What is the difference between market value and replacement cost?
- Market value is the estimated price your home would sell for in the current real estate market and includes factors such as location, land value, and economic conditions.
- Replacement cost is the cost to rebuild or repair your home to its original condition if it is destroyed or damaged, not including land value. It does consider construction and labor costs, materials, and current building codes.
Your home insurance typically is based on the replacement costs because it’s the amount needed to rebuild your home.
What is renters insurance?
Renters insurance provides you coverage for your personal belongings and liability protection in case of theft, damage, or accidents in your rented property.
Is it worth getting renters insurance?
Yes, getting renters insurance is typically worth it. It helps protect your valuable items, personal belongings, provides liability coverage, and additional living expenses in case of unforeseen events, giving you financial security and peace of mind.
Work with Midwest Bank Agency
Get a free quote
Reach out to our agents today to discuss your needs.
Request a Free Insurance Quote
Related Resources
All resources
We are an independent insurance agency. We represent a multitude of companies. We are a full-service agency. Our agents are licensed in property & casualty, flood, commercial, business, farm, crop, livestock, health, life, and bonds. To contact any of our agents, use our online contact form.
Not a Deposit. Not FDIC Insured. Not insured by any federal government agency. Not guaranteed by the bank. May go down in value.
Home Loans
Whether you’re buying your first home, your next home, or building your forever home, Midwest Bank lenders can help through the entire process. We’ll listen to your needs, walk you through step-by-step what you need to do, and help you celebrate when it’s all said and done.
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Personal Checking
Manage your money your way. Our checking accounts provide the flexibility to meet your lifestyle and financial needs, letting you manage your money more effectively.
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