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

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?
Dwelling
Protection
Helps repair or rebuild your home’s structure after covered events like windstorms, fire, or vandalism.
Liability
Coverage
Covers you if someone gets hurt on your property or if you’re found responsible for damage to someone else’s.
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.