| Kansas has had more than it's share of tornadoes | | | | personal property you need enough coverage to |
| and storms in recent years, which means if you | | | | replace all your belongings. You can get that |
| don't have homeowners insurance in Kansas | | | | amount by adding up the value of everything |
| you're flirting with financial disaster. Here's how to | | | | your own. |
| get cheap Kansas homeowners insurance with a | | | | For additional living expenses, most insurers will |
| reputable company. | | | | give you coverage equal to 20% of the amount |
| What does homeowners insurance cover? | | | | of your home coverage. For personal liability |
| Homeowners insurance covers the following: | | | | coverage, most people opt for $100,000 worth of |
| * Your home - It protects your house and other | | | | coverage, but you should purchase more if you |
| freestanding structures on your property from | | | | have a lot of assets you need to protect. |
| fire, vandalism, hail, and storms. | | | | What doesn't homeowners insurance cover? |
| * Personal property - It protects your personal | | | | Standard homeowners insurance does not cover |
| property - clothing, jewelry, furniture, electronics, | | | | damage to your home caused by flooding. If you |
| appliances, kitchen utensils, tools, sports | | | | live in a flood zone you can purchase flood |
| equipment, etc. | | | | insurance from the federal government. For more |
| * Additional living expenses - It pays for any | | | | information about flood insurance visit FEMA's |
| additional living expenses you may incur when | | | | flood insurance web page at: floodsmart.gov. |
| you're forced to leave your home due to fire, | | | | Also, some homeowners insurance companies do |
| vandalism, or storms. | | | | not cover damage due to windstorms, and they |
| * Personal Liability - It protects you when you or | | | | may set limits on expensive items like jewelry |
| a family member unintentionally injures someone | | | | and computers, so be sure to read your policy, or |
| or damages their property. It also pays your legal | | | | have your insurance agent explain it to you, to |
| fees if they sue you. | | | | make sure you have the coverage you need. |
| How much homeowners insurance should I get? | | | | Where can I get cheap rates on Kansas |
| For your home, you need enough coverage to | | | | homeowners insurance? |
| rebuild it should it be destroyed. You can find out | | | | The best place to get the best rates on Kansas |
| how much it would cost to rebuild your home | | | | homeowners insurance is at an insurance |
| from a local real estate agent or builder. For your | | | | comparison website. |