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Home Insurance – Insurance for All Kinds of Homes
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Kansas Insurance can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
What you need to know about homeowners insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners’ policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.
Kansas Insurance is here to help you find the right insurance for your home
Kansas Insurance will work with you to find a property insurance policy. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- How much do you want to cover? Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $1,000 deductible, you would be responsible for paying the first $1,000 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
- Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
Why Homeowners Insurance?
Accidents can happen at any time. Having the right homeowners insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Kansas Insurance about specific coverage options that are applicable to your individual needs.
Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Kansas Insurance.
Kansas Insurance provides Home Insurance for residents living in and around:
- Lawrence, Kansas
- Oskaloosa, Kansas
- Perry, Kansas
- Tonganoxie, Kansas
- Topeka, Kansas
- Council Grove, Kansas
- Colby, Kansas
Strength and Stability for Your Home.
Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.
Every Home Insurance policy is different, and at Kansas Insurance, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:
- Fire and Lightning
- Collisions from Vehicles or Aircraft
- Sewer/Drain Backup
- Volcanic Eruption
- Freezing Conditions or Snow
Property Insurance Options to Consider
There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative at Kansas Insurance who can help you find the right policy.
Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.
Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.
Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.
As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Kansas Insurance before making a decision.
Protect Yourself, Your Home, and Your Finances.
Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.
With a Homeowners Liability policy from Kansas Insurance, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:
- Claims for property damage
- Claims for injury to others (either on or off the premises)
- Liability defense costs
- Medical expenses for injuries to others
Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative at Kansas Insurance to determine the right amount of coverage to keep you protected today.
Belongings Hold Memories. Make Sure They’re Safe.
If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.
At Kansas Insurance, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.
Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
Additional Insurance Options
Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.
In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.
A representative at Kansas Insurance is committed to working with you to design a policy that ensures you get the options you want at a price you can afford.
Protect More Than Just Your Possessions.
For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.
With Condo Insurance from Kansas Insurance, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.
A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.
Contact a specialist at Kansas Insurance today to determine the right amount of coverage you need to keep your condo insured.
Mobile Home Insurance
Specialized Security for Your Home and Property.
At Kansas Insurance, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.
Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:
- Personal Property Protection to pay for loss or damage to most of your personal items
- Family Liability Protection to provide legal representation against injury or property damage claims
- Guest Medical Protection to help cover the medical expenses for visitors injured in your home
- Home & Structure Protection to compensate you for building repairs after a covered accident
- Additional Living Expenses to reimburse you for temporary housing during reconstruction
Additional Benefits for Your Mobile Home
We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget. You may also qualify for savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.
Talk with a specialist at Kansas Insurance to learn how you can save with Mobile Home Insurance.
Rent with Confidence.
A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Kansas Insurance, you’ll receive a complete degree of protection to keep yourself and your rental property insured.
The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:
- Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
- Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
- Legal counsel and fees in the event of a related lawsuit
- Additional expenses to make up for lost income if your property needs repaired through loss of use
Because of the variety of options available, an insurance specialist at Kansas Insurance is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.