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Homeowners Insurance

The Basics

Homeowners insurance provides financial protection against disasters. A standard home policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Ready for your free no hassle homeowners insurance quote? Call (913)222-4080 email or complete our free quote form now!​

Why do you need homeowners insurance?

To ensure you & your loved ones are  financially protected if something unexpected happens to your home or possessions. 


If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.

If a guest in your home is injured, liability protection and medical coverage help pay expenses.

If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to Consider

Things to consider and questions to ask your agent:

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? 

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • What discounts are available? 

  • What's the process for filing and settling a claim? 

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