You work hard to pay the bills on your home so your family can enjoy it, you shouldn’t have to worry if it is being protected.  When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

We Offer Tailored Homeowners Insurance

Thams Agency can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.


If you’re not using an independent agent like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.


Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own.


At Thams Agency, we walk you through the different homeowner coverages. However, if you would like to see those different coverages before we go over it in your homeowner policy, click here.


Other Structures

Personal Property

Loss of Use

Family/Personal Liability

Scheduled Personal Property

Medical Expense

Note: if you are looking for homeowners insurance for a rental property or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy!

How to Get Homeowners Insurance:

Every home is unique and therefore requires a carefully crafted policy.


If you’d like us to review your current policy and provide you with no-obligation quotes, call our office at (712) 263-3193, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

Let Us Know How We Can Help

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