Skip to content
Click to Call
Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

Get Directions

Featured Insurance Blog

Does My Homeowners Insurance Cover Flood Damage?

Flood insurance protects against flooding which may occur due to storm surges, rising water, or overflowing rivers or lakes. If you live in zones that are high risk of floods, you may need to purchase flood insurance to protect your home. Even if you don’t live in such a zone, you may want to consider purchasing the insurance if your place has below-average flood protection, such as an elevated foundation. 

Flood insurance typically comes with a higher upfront cost than homeowners insurance. However, most companies will offer a discount for customers who have this cover. While the insurance is necessary if your home is located in an area subject to flooding or the risk of flooding a low-lying area. For any issues, consult Maschoff Insurance at Ankeny, IA. 

Policies That Cover Flood Damage 

Flood damage is covered under most policies; however, there are some stipulations. The insurance policies are available if you have standard homeowners or renters insurance, or you can purchase a policy as a standalone policy. Flood insurance typically costs about 5–10% more than renter’s insurance or standard homeowner’s. While this insurance isn’t required by law, it’s highly recommended. 

Even if you live in a location not typically affected by floods, you can still experience heavy rains or rapid snowmelt. Standard homeowners insurance doesn’t cover flood damage, but you can purchase it as an add-on to standard homeowners insurance. Flood insurance is typically more costly than standard homeowners insurance due to the risk of flooding in your area. You can buy it 180 days before the date when you expect to need it. 

Give Us A Call

Flood insurance comes with higher premium. Talk to your agent about what your home’s insurance covers and what it doesn’t. Inquire about any additional coverages that is suitable to your home. Maschoff Insurance can help you get the right coverage. Call the team serving at Ankeny, IA and surrounding areas for service and advice.

Crucial Home Maintenance Projects

Being a homeowner in Ankeny, IA, means you have a lot of responsibilities. The biggest responsibility homeowners have is taking care of routine maintenance projects to help keep the home structurally sound, and all the components are working correctly. Properly maintaining your home also reduces the risk of damage associated with a fire or bad weather. Call Maschoff Insurance Agency LLC for details about coverage associated with damage to your home. 

Termite Inspection

Termites can wreak havoc on a home’s structure and could be expensive to fix. Have your home inspected for termites every year and resolve any termite issues immediately. 

Smoke and Carbon Monoxide Detectors

If you do not already have them installed, install smoke and carbon monoxide detectors in your home. It would be best to have a carbon monoxide detector on every floor of the home and smoke detectors on every floor and outside of sleeping areas. Test these alarms monthly and, if needed, add fresh batteries. 

Exhaust Fans

Clean out the exhaust fans in the bathrooms to help prevent mold and mildew from growing. In addition, cleaning the attic and ventilation fans help keep the airflow moving in the home. Cleaning exhaust fans every three months helps save energy and keeps the fans functioning correctly. 


Check all sinks in the home for any possible leaks. If the caulking is damaged, remove and recaulk the sink. Checking your sinks for leaks should be conducted a couple of times a year. 

By conducting routine home maintenance projects, you can keep your home in tip-top shape, reducing the chances of experiencing damage caused by a fire or inclement weather in Ankeny, IA. Call our agents today at Maschoff Insurance Agency LLC for more information about protecting your home. 

Servicing States

  • Iowa
  • Missouri
  • Kansas


Partner Carriers

  • Columbia Insurance
  • Donegal
  • First Comp
  • Hagerty
  • Lemars
  • Liberty Mutual
  • Markel
  • Metlife
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Wellmark
  • West Bend
  • Zurich-US Assure