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