If you have become a homeowner, we’d like to congratulate you on your achievement. Have you ever thought about how to protect your greatest asset? Would you be able to afford repairs or even rebuilding if your home were damaged or lost to a fire or natural disaster? What about all your belongings inside?

Luckily, you don’t have to worry about paying out of pocket when catastrophe strikes if you have the right home insurance policy. Home insurance, also known as homeowner insurance, pays for renovation or reconstruction when life’s unexpected events happen.

How does home insurance work?

Home insurance reimburses you for loss to your home, whether from hail, fire, or a major storm. It also covers your home’s interior, including appliances, furnishings, electronics, and clothing. You file a claim with your insurance carrier, pay a deductible, which is a small out-of-pocket amount, and your insurance policy covers the expense, up to a predetermined amount. It may even pay for you to live elsewhere during construction if your home becomes uninhabitable.

Your home insurance policy also provides liability coverage. If someone has an accident on your property and sues you in court, winning a legal judgment against you, your insurance covers the damages. You won’t have to empty your savings, lose your home, or have your wages garnished. Now that’s peace of mind!

Can you add extra coverage?

You can easily add extra coverage for things not normally covered in a home policy:

• Scheduled coverage for your valuables, such as fine art, jewelry, collectibles, or antiques
• Flood insurance (private or NFPI)
• Equine and farm insurance
• Earthquake insurance
• Additional liability coverage through a personal umbrella policy, which we recommend for dog owners

Reach Out with Your Questions

Not sure how much home insurance coverage is right for you? Just take photos or videos of your home with your mobile phone. We can review them together to come up with a coverage amount that you feel comfortable with for your budget.

We at SolutionPoint Insurance are independent Kansas insurance agents, and we are able to put together a custom insurance package for you because we have access to a broad range of insurance products for our clients in Olathe, Lenexa, and Shawnee. We’ll answer all your insurance questions too, so you’re clear about exactly what your policy covers and what to do if you ever need to file a claim.

Your home is your greatest asset, so don’t risk losing it without the proper insurance coverage. Your mortgage lender may even require home insurance for your loan.

Reach out at 913-735-0110 or get in touch online today for a quote. You’ll rest easier knowing your home is protected the way it should be.

Get a Free Homeowner Insurance Quote