Kansas Homeowners Insurance – Where to Get the Best Rates

Kansas Homeowners Insurance – Where to Get the Best Rates

Kansas has had more than it’s share of tornadoes and storms in recent years, which means if you don’t have homeowners insurance in Kansas you’re flirting with financial disaster. Here’s how to get cheap Kansas homeowners insurance with a reputable company.

What does homeowners insurance cover?

Homeowners insurance covers the following:

* Your home – It protects your house and other freestanding structures on your property from fire, vandalism, hail, and storms.

* Personal property – It protects your personal property – clothing, jewelry, furniture, electronics, appliances, kitchen utensils, tools, sports equipment, etc.

* Additional living expenses – It pays for any additional living expenses you may incur when you’re forced to leave your home due to fire, vandalism, or storms.

* Personal Liability – It protects you when you or a family member unintentionally injures someone or damages their property. It also pays your legal fees if they sue you.

How much homeowners insurance should I get?

For your home, you need enough coverage to rebuild it should it be destroyed. You can find out how much it would cost to rebuild your home from a local real estate agent or builder. For your personal property you need enough coverage to replace all your belongings. You can get that amount by adding up the value of