Why Do You Need Home Insurance in Kansas?
If you are financing your home through a lender, your lender can require you to have home insurance. However, if you aren’t required to have home insurance, it’s still essential. Kansas is one of the top 10 states for the most tornadoes every year. When storms happen, they can cause significant devastation and, to protect your home, you need to have the right home insurance policy.
What Does Home Insurance Cover in Kansas?
There are several different things home insurance can cover. Check your coverage options with an agent at WSI Wichita Insurance & Consulting Services.
Dwelling coverage protects the home and any attached structures. Under dwelling coverage, plumbing, air and heating, electrical wiring, and walls and staircases are covered. Personal property coverage protects your personal belongings if damaged. Other structures coverage pays for damages to the other structures on your property, such as your fence or detached garage. Liability coverage pays for legal defenses and court judgments if you are sued due to property damage or bodily injury. For example, if your son throws a baseball and breaks your neighbor’s window, you can have insurance that pays the associated cost. Loss of use coverage can pay for your additional living expenses when living away from your home while it is being repaired. This can include hotel costs and restaurant meals. Medical payments coverage pays for medical bills for those that are injured at your property.
Finding the Right Coverage
Making sure you have enough insurance coverage is just as important as having insurance coverage in the first place. To make sure that you get enough coverage, it helps to inventory your belongings. Write down the characteristics of each item, including size, color, and age. To get a quote, you will need to describe your home, loss history, security and fire devices, coverage and limits you want, and square footage.
Contact WSI Wichita to get a quote on home insurance.
