Updated: Jan 30
Whether you're a first-time homebuyer or have owned your home for years, it's important to have adequate homeowners insurance coverage. Homeowners insurance protects your home and personal belongings against loss from events such as fire, theft, storm damage, and more.
If you're a homeowner in Colorado or Kansas, your home is likely your most valuable asset. That's why it's important to have the right amount of homeowners insurance to protect your investment.
There are a few things to consider when determining how much homeowners insurance you need. First, consider the value of your home and possessions. This is the amount you would need to replace your home and belongings if they were destroyed in a covered event.
Next, consider the type of coverage you need. Homeowners insurance typically covers damage to your home and possessions from fire, smoke, theft, vandalism, and certain weather events. You can also purchase additional coverage for things like flood damage, jewelry, and more.
Finally, consider your budget and choose a deductible that you're comfortable with. A deductible is the amount you would pay out of pocket if you had to make a claim. The higher your deductible, the lower your premium (monthly cost).
When you're ready to purchase homeowners insurance, be sure to compare rates and coverage options from multiple insurers. You can do this easily with us online. Once you have a policy, we will review it regularly and update it as needed.