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    About Us

    We are a full-service insurance agency that gives you the peace of mind you deserve. Our services span from Auto, Home, Recreational Vehicles, Water Sports, Commercial Business, General Liability, Professional Liability, Transportation, Workers Comp, Farm and Crop Insurance. We also have markets for specialty products. Our office locations include Sigourney, Kalona, and Fairfield, Iowa. We can find a solution for any individual, family, or business to put you on the path to exceed your goals! View all of our services for more in-depth descriptions on the insurance provided.

    The experts at Century Insurance are licensed in 14 states and expanding, so please contact us to meet your insurance needs and exceed your expectations.

    Testimonials

    Century Insurance was an absolute delight to work with when we signed up for our home owners insurance. We were so impressed with their professionalism and the service that Century offers we switched all of our insurance with them. Century is smart, easy to work with and goes above and beyond to find the best coverage for you and your family at an affordable rate.

    Kasi C.

    Very willing to go above and beyond for people!

    Candi H.

    Gary and his team at Century Insurance have been wonderful to work with! Not only do I get great service with him and his company but I also get great coverage at a great price. They walked through the policies to make sure I had adequate coverage and thoroughly answered any questions I had. Gary is an excellent insurance agent and I would highly recommend Century for all of your insurance needs!

    Hayley H.

    Home Insurance Fairfield

     

    Finding Home Insurance That Works For You

    The best home insurance in Fairfield, Iowa will vary depending on your needs and those of your house. Therefore, you need to understand the many types of policies available. Each of these options serves specific purposes and should help to make your home safer from various types of damage.

    HO 1 Plans

    The first type of home insurance that you can purchase is HO 1. This option is considered the most basic. It will help to protect you against a myriad of problems, including fire, smoke, explosions, lightning, hail, windstorms, theft, vandalism, damage from vehicles, damage from aircraft, riots, civic commotion, and even volcanic eruptions.

    You may be able to get protection for the items in your home with this policy. However, it is often limited to the structure itself and requires different policies to protect your details. As a result, you may want to shop a little before you settle on the most basic plan that you can find for your home.

    HO 2 Policies

    Those who want a more detailed level of coverage often choose HO 2 plans. That’s because they are very similar to HO 1 but provide more protection. You will get financial help for all of these issues mentioned above plus others, such as falling objects, ice, snow, sleet, freezing problems, tearing on household systems, and sudden discharge of an artificial electrical current.

    In many cases, you need to check your policy to find the “named perils” listed. This factor is something that many don’t understand when they buy this type of insurance. Thankfully, the perils are usually quite broad and can be adjusted if you need to add more to protect your home from damage further.

    HO 3 Protection

    This home insurance type is probably the most common type available on the market. It offers a broad array of protection – including on all of the items listed in the further policies – but also goes further to provide you with a very comprehensive level of protection that is hard to top.

    For example, you don’t have a limited coverage based on named perils. As a result, you can get reimbursed for many situations – unless listed in your exclusions. Typically, this option also covers areas like your garage or deck to ensure your full yard is protected as much as possible.

    HO 4 Insurance

    People who rent homes may want this type of insurance. It is designed specifically for their needs and covers problems such as lost belongings and personal liability. These policies do not cover any of the structures of the home because that will be covered by the person who owns the house.

    This policy type is one of the cheapest because of its more restricted uses. However, it is an excellent option for those who want help when they run into problems with their rented home. For example, these policies will pay for relocation costs when your apartment is being repaired.

    HO 5 Protection

    This type of home insurance policy suits its name – you will get a very coherent and comprehensive option that covers a vast array of plans. These include issues such as landslides, floods, water damage, insect problems, neglect, deterioration, wear and tear, settling, pets, molds, intentional loss, war, nuclear hazards, ordinance issues, smog, and more.

    These policies also cover your personal belongings and lets you choose the limits of your coverage. Unfortunately, many providers do not offer this option, and those who do often charge a lot for it. However, those who want the most protection should seriously consider this policy type.

    HO 6 Insurance

    Condo insurance is a policy type that is designed to protect those who own condos. It is a unique option because condos are usually much smaller than standard homes and have a feel more like an apartment. That said, they are also owned by the people who live in them, which makes renter’s insurance an option that they cannot consider for their condo.

    Typically, condo insurance policies will extend to all of the belongings in a person’s condo and personal liability issues. And they usually extend to the walls, floors, and ceilings of the unit at the same time. And don’t forget – the rest of the structure is generally covered by the homeowner’s association in charge of your condo.

    HO 7 Protection

    Those who own a mobile home may want this type of home insurance. In many ways, it is the same as HO 3 coverage and provides the same kinds of protection. For example, it covers not only the home itself but most of the items inside. However, it is specially designed for mobile homes and their unique concerns.

    For example, your motor home’s wheels may be damaged by weather and need repairs to keep it safe. Under HO 3 policies, you wouldn’t get this kind of protection because it doesn’t help with wheel repair. Thankfully, HO 7 gives you the help that you need if you have a motor home that you need to protect from the dangers of the world.

    HO 8 Policies

    Lastly, you can consider this type of insurance if you have an older home. Like with HO 7, this policy type is designed to be similar to HO 3. And like that option, it has particular adaptations that help to meet your needs more accurately. If you own a historic home or a registered landmark, you need this type of policy to protect your investment.

    However, even if you don’t own either of these types of houses, you may still want an HO 8 policy depending on the age of your home. That’s because they can protect against problems like age-related rot, asbestos throughout the house, and other issues that are unique to older homes. Talk to your provider to learn more about these protective benefits.

    Let Us Help You Get Great Insurance

    If you are interested in the best home insurance Fairfield, Iowa has to offer, please contact us today at Century Insurance. Our professionals understand all of the policy options mentioned above and will work hard to ensure that you get the detailed and practical coverage that your home deserves.

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