Kansas Homeowners with Home Insurance Coverage

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Home Insurance

What does a homeowners policy typically cover?

Weather- Hail, lightning, and other weather events can damage your roof, windows, siding, and more- so can falling branches and other debris.

Fire- Whether it’s smoke damage from a small kitchen fire or extensive damage from a large, accidental fire, a homeowners policy can help you repair or rebuild your property.

Theft or vandalism- A homeowners policy typically covers theft or vandalism of your property. Policies typically include special limits on things such as collectibles, jewelry, and money.

What isn’t covered?

Floods are not covered

The quoted homeowners policy does not cover flood damage.

Earthquake coverage is optional.

Damage from earthquakes is not covered, unless you specifically purchase coverage for it. Check under the optional coverages and packages section for your home quote. If you do not see this coverage listed and think you need it, please contact our office for more information.

It’s not for home maintenance

Repairs due to wear and tear or lack of upkeep are not typically covered under a homeowners policy.

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