Homeowners Insurance

Protect What Matters Most—From the Roof to What’s Inside

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Coverage That Fits the Way You Live

A house isn’t just a building—it’s where you raise kids, work on projects, host holidays & collect memories. We offer homeowners insurance that makes sense for everyday Kansans. Whether you’re in a 1920s bungalow or a newer ranch home, we’ll help you get coverage that feels right—without overcomplicating it.

What Does Home Insurance Cover?

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Dwelling

Protection

Helps repair or rebuild your home’s structure after covered events like windstorms, fire, or vandalism.

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Liability

Coverage

Covers you if someone gets hurt on your property or if you’re found responsible for damage to someone else’s.

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Personal Property Coverage

Includes the belongings you keep inside—from furniture & appliances to electronics & keepsakes—if they’re stolen or damaged.

Frequently Asked Questions

  • Is homeowners insurance required in Kansas?

    Not by law—but if you’ve got a mortgage, your lender probably requires it. Either way, it’s a smart move to protect your investment from fire, weather, theft & more.

  • How much homeowners insurance do I need?

    It depends on the value of your home, belongings & any liability risks. We’ll walk through your situation & help you figure out what makes the most sense.

  • Can I lower my home insurance costs?

    Yep. We’ll check for discounts based on things like security systems, roofing materials, bundling with auto, or raising your deductible.

  • Does this cover floods or earthquakes?

    Not by default. Flood & quake protection are usually separate policies. If you’re in a higher-risk area, we’ll help you look at those options.

  • What’s the difference between renters & homeowners insurance?

    Homeowners insurance covers the building itself. Renters covers your belongings but not the building. If you’re renting, check out our renters policies instead.