Iowa Home Insurance
At Thams Agency we know that you want your home insurance coverage at the lowest price. Our goal is ALWAYS to present you with the most responsible insurance quote. Home insurance isn’t a commodity and the lowest price doesn’t always mean your protected properly. Your home is typically your largest asset and needs to be insured correctly.
How do you know if your properly protected or have the right coverage? Why are commercials always advertising savings of hundreds of dollars? At Thams Agency we always want to make sure you understand what you are buying. There are so many ways to design an insurance policy and just looking at the coverage limit doesn’t mean you have the same coverage from company to company.
Let’s look at a few things that can change a policy.
- Special form or Broad form or Basic form building coverage
- Replacement cost building coverage or Actual Cash Value
- Medical Payments Coverage
- Coinsurance penalties
- Ordinance or law coverage
- Special form personal property coverage
- Replacement cost personal property coverage
- Water sewer backup coverage (this is NOT flood coverage)
- Personal injury liability coverage
- Scheduled personal property coverage
We always begin the process with your home policy by using Marshall Swift and Boeck software to determine the replacement value of your home. By entering specific information on the construction of your home we are able to determine your homes replacement value. We want to make sure that you are properly insured in the event of a loss without any surprises. A well written insurance policy will pay the replacement value of all your belongings as well as the cost to rebuild your home.
In most cases, it’s best to bundle your home insurance with your auto insurance policy for maximum discounts and savings. Another way to save is simply to increase your deductible as most companies are charging more for deductibles under $1,000. We understand that no one wants to overpay for insurance. Let an agent from Thams Agency find you the most responsible homeowners policy.
Thams Agency is a Trusted Choice Agency. If you want more specific information regarding home insurance, check out this website.
Our clients say it best….
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.