Home Insurance in Derby, Wichita and Andover, KS

Protect Your Home and Everything In It

Your homeowners insurance policy isn’t something to set and forget—it needs regular checkups to keep up with life’s changes. If you’ve made home improvements, acquired valuable items or gone through a major life event, updating your coverage can help prevent unexpected gaps. By staying proactive, you can be confident your coverage meets your evolving needs.

What Types of Coverage Should I Get?

Homeowners insurance may provide financial support following events like fire, hail, windstorm, theft and vandalism. Standard policies typically include four essential types of coverage:

• Dwelling coverage may help pay for repairs or rebuilding your home if it is damaged or destroyed by covered events like fire, hail or windstorm.
• Personal property coverage may cover items like books, clothes, electronics and small appliances if they were stolen or damaged due to covered events.
• Liability protection may provide financial aid for accidental injuries or property damage you caused to a third party.
• Loss of use coverage may reimburse the costs of temporary housing, meals and related expenses if your home was damaged by a covered event.

Policies typically renew every year. Before renewing your policy, check your coverage, compare rates and adjust limits if necessary. This may also be a good time to consider optional coverage, such as the following:

• Service line coverage may cover damage to underground utility lines like water, power and cable.
• Water backup coverage may cover water damage from sewer backups or sump pump failures.
• Home systems coverage may cover accidental damage to appliances, electronics and other home equipment.
• Scheduled property endorsements can be added to insure particularly expensive possessions, such as jewelry and fine art.

How Much Does Home Insurance Cost?

How much you’ll pay for home insurance depends on the types of coverage you select. Generally, insurers calculate premiums based on the following factors:

• Your home’s location, age and building materials

• Replacement costs

• Your credit score and claims history

• Deductible

Homeowners Insurance Made Easy

Insuring your home shouldn’t be complicated. Our quick and simple application process makes it easy to get started. Contact Insurance Partners of Kansas today and enjoy hassle-free coverage.