Shawnee Kansas & Missouri Home Insurance

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Shawnee Kansas & Missouri Home Insurance

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Your home is the usually the biggest purchase you will make and is your most valuable asset. If you have any damage, you need a Kansas insurance agent that will find the best company to fit your needs and settle your claims quickly. At Green Mountain Insurance Agency, we will help you find the right fit for your needs with providing quality service and affordable pricing.

Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.

At Green Mountain Insurance Agency, we have the home insurance specialists that can tailor a specific package to your needs and risks. We have access to many top rated companies to find you the best fit at a fair price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.

For you home, there are common types of coverage: basic, broad form and special form.  Basic plans are uncommon because they only protect you for a very limited number of perils.  Perils are types of losses which are covered.  Broad form has a much more extensive list of perils covered but with both basic and broad, you are only covered for what is specifically listed in the policy.  Special form is the most recommended type of coverage.  This type of policy says you are covered for any peril except those which are excluded, these usually being flood and earthquake, where you would need a separate policy.

Homeowners insurance policy coverages in Shawnee Kansas & Missouri

  • Property Coverage - to pay for repairs to your home, garage or other buildings that are damaged.
  • Personal Property - if you have a loss of valuables in your home like jewelry, electronics or guns due to theft or damage.
  • Liability - this will cover if there is a claim when someone is injured or their property is damaged.
  • Medical Expenses - this would be medical coverage for someone that is injured, other than a resident, on your property.
  • Living Expenses - if you have a complete loss, you may need extra temporary housing or food when you're forced from your home.

There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at Green Mountain Insurance Agency can help you understand your other risks and help you evaluate whether you may need additional coverages in your Kansas home insurance plan.  There are also 'dwelling' or landlord policies for rental homes and more info here.

One of the most important elements of a homeowners or dwelling policy is to calculate what the ‘replacement’ cost coverage is.  Replacement cost means what it may take to rebuild the home from scratch.  This cost may be different with some companies depending on the construction company and cost to rebuild rather than the original cost to build. 

So, contact us today at (913) 248-9654 to find out more about home insurance in Shawnee, Kansas including the Kansas City, Kansas City MO, Overland Park, Shawnee Mission, and Wichita areas.