Heritage Mutual Insurance

Is it possible to own your home but not have it covered by homeowners insurance? Find out!

Can I own a home without homeowners insurance? | III Legally, you can own a home without homeowners insurance. However, in most cases, those who have a financial interest in your home—such as a mortgage or home equity loan holder—will require that it be insured. And, for your own ongoing financial protection, you'll want your home to have adequate...

If you’re over the age of 50, you may want to check out some these smart home technologies! They could be a good fit.

20 Smart Home Technology Gadgets That Will Leave You Spellbound - LifeHack With advancement in technology, scores of cool gadgets are adorning every home that has changed people’s lifestyle. The gadgets are not just fancy; they

Sadly, there is such thing as home renovation fraud. Learn about it:

From Sleazy Contractors To BedBugs: Homeowner Scams On The Rise 10 Ways to Protect Yourself From Home-Related Scams

You most certainly do not have to be a millennial to see the impact they are making on the housing market!

Why Millennials Are Better At Home Buying Than You Millennials are approaching home buying differently than other generations. It's working for them.

Do you know what is and isn’t covered by your homeowners insurance? The time to find out is now, before you have to file a claim!

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There’s such a neat history at the Lewis and Clark State Park! How often do you visit?

Lewis and Clark State Park in Onawa, Iowa on the Lewis and Clark Trail Lewis and Clark State Park in Onawa, Iowa on the Lewis and Clark Trail

Are you a proud dog owner? Make sure you know what you’re responsible for if your pal bites someone.

Spotlight on: Dog bite liability | III About 69 million U.S. households own dogs, according to the American Pet Products Association’s 2021-2022 Pet Owners Survey. The American Veterinary Medical Association states there are nearly 85 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of...

Getting ready to purchase a home? First, learn five myths about homeowner’s insurance!

5 Myths About Homeowner's Insurance Homeowner's insurance is one of the most common types of insurance and one of the least understood. Many homeowners believe that their policies will cover them for practically any damage sustained to the house or contents. The reality is that homeowner's policies contain many exclusions and restrict...

Deductibles can be confusing sometimes! Understand your homeowners policy by better understanding your deductible:

Understanding your insurance deductibles | III Deductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a vehicle or home is integral to getting the most out of your insurance policy.

Did you know millennials represent the biggest group of homebuyers in the nation? Learn about their buying habits:

Why Millennials Are Better At Home Buying Than You Millennials are approaching home buying differently than other generations. It's working for them.

This trail looks beautiful during both day and night! Schedule a visit to Iowa’s High Trestle Trail:

High Trestle Trail | What We Do | INHF High Trestle Trail runs 25 miles through five Iowa towns and includes a 13-story high bridge across the Des Moines River Valley. One of INHF's biggest projects.

When it comes to your home, closing costs aren’t set in stone. Forbes explains.

5 Ways To Lower Your Closing Costs Mortgage closing costs have risen 6% over the past year, according to a recent Bankrate.com report. But those fees aren’t set in stone. Here's how to negotiate your way into a smaller bottom line.

What does your homeowners insurance have to do with riding your bicycle? Find out.

Bicycle safety and insurance | III Bicycling is increasingly popular, both as a sport and as a means of transportation. Whether you spent a few hundred or a few thousand dollars on your bike, whether you use it to commute to work or to cycle around the block with your kids, it's important to understand the rules of the bike lane and....

Ever wondered what would happen if the tree in your yard fell on your house? The Insurance Information Institute can help you find out if homeowners insurance will cover you.

If a tree falls on your house, are you covered? | III If a tree hits your home or other insured structure, such as a detached garage, your standard homeowners insurance policy covers the damage to the structure, as well as any damage to the contents.

Working from home is popular these days. Did you know your regular homeowners insurance may leave you with coverage gaps when it comes to your home office?

How Should You Insure Your Home-Based Business? Most home-based businesses need business insurance. Learn about the the three basic options for home-based insurance and other types of coverage to consider.

Pocahontas County's public parks are beautiful and family-friendly. Which one is your favorite?

County Parks in Pocahontas County, Iowa MyCountyParks serves the Iowa area with outdoor recreation, environmental education, and natural resource protection.

Do you think Millennials are bad at home buying? You may change your mind after reading this article.

Why Millennials Are Better At Home Buying Than You Millennials are approaching home buying differently than other generations. It's working for them.

Your homeowners policy may really help you out if your dog bites someone. Learn more:

Spotlight on: Dog bite liability | III About 69 million U.S. households own dogs, according to the American Pet Products Association’s 2021-2022 Pet Owners Survey. The American Veterinary Medical Association states there are nearly 85 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of...

Your dream home may need to wait. Forbes explains why your first home shouldn’t be your dream home.

Why Your First Home Shouldn't Be Your Dream Home It pays to settle for less when purchasing your first home.

Though the lineup is always different, it’s always a fun event! Have you ever gone to 80/35 in Des Moines?

80/35 – Des Moines Music Coalition ABOUT 80/35 80/35 is an annual two-day progressive indie music festival in downtown Des Moines, Iowa. As many as 50 national, regional, and local bands perform on multiple stages. In 2019 we celebrated our 12th successful year! Visit 80-35.com for details. Sign up to be a DMMC Member to unlock 80/35...

Got a tenant in your home? You’ll want to check this out!

Coverage for renting out your home | III There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. So, whether you o...

Want to minimize the cost of your homeowners insurance? This link's for you:

Six Insurance Tips For Homeowners Smart ways to lower your premiums.

Wow, my homeowners policy covers that?!

What Does Homeowners Insurance Cover? Do you know what is covered by your homeowners insurance? You'd be surprised at what is not covered. Learn what homeowners insurance does and doesn't cover.

Don’t fall for these home insurance myths!

6 Home Insurance Myths That'll Cost You Big-Time There are some big misconceptions about home insurance. Here are six common myths, plus a reality check on each so you know what to do.

The Ames History Center is a great way to learn about the town's fascinating past.

Ames History Museum | Discovering Our History, Preserving Our Past, Sharing Our Stories | Ames, Iowa Ames Historical Society strives to engage our diverse public and provide unique opportunities to learn about Ames, Iowa history.

The reason you have home insurance is to protect your family and your home! Here are a few myths you may have fallen for:

6 Home Insurance Myths That'll Cost You Big-Time There are some big misconceptions about home insurance. Here are six common myths, plus a reality check on each so you know what to do.

Ever calculated your housing budget? Forbes can help.

Why Your First Home Shouldn't Be Your Dream Home It pays to settle for less when purchasing your first home.

You may think most homeowners claims aren’t preventable, but in actuality most of them are! Here are a few examples:

How to Avoid Pricey Homeowners Insurance Claims You don't need to be a pro to be proactive

If you’re planning on buying a home, here’s a few things not to do.

8 Tips For First-Time Homebuyers When buying your first home, it's tempting to rush onto Realtor.com or Zillow. Do some homework before you search.

What do you know about Hamilton County’s history? Learn a thing or two from the research Ed Naas did.

Hamilton County History This website is now the host of Ed Nass' considerable research and collected works on the history of Hamilton County. Mr. Nass appreciated the assistance of a number of colleagues, from his first research foray into Hamilton County history to the 2007 publishing of his newspaper articles in