Home Insurance Services in Colorado, Missouri, Iowa, Illinois, and Minnesota

Protection Against Severe Weather Events

Ames experiences a range of weather conditions, including hailstorms and strong winds. Our home insurance policies provide coverage for damages caused by such events, ensuring that your home and belongings are protected against nature's unpredictability.

Financial Security from Fire and Theft

Fires and burglaries can lead to significant financial losses. Our comprehensive coverage ensures that you're compensated for damages and losses in the unfortunate event of such incidents, helping you recover without undue financial strain.

Liability Coverage for Accidents

Accidents can happen, and if someone is injured on your property, you could be held liable. Our policies include liability coverage, protecting you from potential legal and medical expenses arising from such incidents.

Coverage for Detached Structures

Many homes in Ames have detached structures like garages, sheds, or barns. Our insurance plans extend coverage to these structures, ensuring that all parts of your property are adequately protected.

Additional Living Expenses Support

If your home becomes uninhabitable due to covered damages, our policies provide for additional living expenses. This means we cover costs like temporary housing and meals, ensuring your family's comfort during repairs.

Peace of Mind with Personalized Service

With Alekco Insurance, you're not just another policyholder. Our dedicated team offers personalized service, ensuring that your specific needs are met and that you have peace of mind knowing your home is protected.

Dwelling Coverage

Dwelling coverage protects the physical structure of your home in Colorado, Missouri, Iowa, Illinois, and Minnesota, from damage caused by fire, hail, windstorms, or other covered perils. It ensures you have the financial support needed to repair or rebuild your home after a significant loss, maintaining your property’s value and structural integrity.

Personal Property Protection

This coverage safeguards your personal belongings inside the home, such as furniture, appliances, electronics, and clothing. If these items are stolen, damaged, or destroyed due to covered events, you're reimbursed for their value. It’s vital for maintaining financial stability after unexpected losses, especially in high-risk seasons that are common in Ames.

Liability Insurance

Liability coverage offers protection if you’re held responsible for injuries to others or damage to someone else’s property. This includes legal defense costs and medical bills. In Ames, having this coverage is essential for homeowners who want peace of mind and protection from potentially expensive lawsuits and accidents.

Coverage for Detached Structures

This protects structures on your property not directly attached to your main home, such as detached garages, fences, gazebos, and sheds. In Ames, where many properties include additional outbuildings, this ensures comprehensive protection from damage due to weather events, accidents, or other covered incidents beyond the main dwelling.

Loss of Use Coverage

If your Ames home becomes uninhabitable due to a covered event, this coverage pays for temporary living arrangements. It includes hotel costs, restaurant meals, and other necessary living expenses, helping you maintain normalcy while your home is being repaired or rebuilt, without dipping into your savings unexpectedly.

Optional Endorsements

We offer customizable add-ons for enhanced protection, including flood insurance, sewer backup coverage, identity theft protection, and equipment breakdown coverage. These endorsements help Ames homeowners tailor their policies to meet specific needs and risks, offering broader peace of mind against unforeseen situations not covered by standard policies.