Home insurance protects against losses to your home and its contents due to covered risks, such as fire, theft, vandalism, and weather. But your home policy is for more than just your residence, it can also cover liability if someone gets hurt on your property, and living expenses if you have to live somewhere else while your home is being repaired after a fire or other disaster.
Home Insurance
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Explore All Your Home Coverage Options
Homeowner's Insurance
Homeowners’ policies include various “coverage options” which can be purchased separately from each other. These include:
- Personal liability –
- This pays out for any damages that you are legally liable for as a result of bodily injury or property damage to someone else that you or a family member causes on your property. It also covers any legal fees associated with defending yourself against such claims as well as your deductible amount.
- Property damage –
- If an insured property is damaged by a covered peril or stolen from anywhere on the property, this portion of the policy will cover those damages up to the limits specified in the policy. The limit of liability amount is usually equal to 50%
- Dwelling Coverage
- Other Structures Coverage
- Loss of Use Coverage
- Additional Replacement Cost Coverage
- Replacement Cost Contents Coverage
- Identity Fraud Protection
Renter's Insurance
Renters policies similarly offer a variety of “coverage options”, often times the minimum coverage needed is stated in your rental agreement:
- Renters Personal Property Coverage
- This policy includes liability coverage for contents within a renter’s residence. Coverage does not include the structure but does include any affixed items provided or changed by the renter.
- Renters Personal Liability Coverage
- Medical Payment Coverage
- Additional Living Expenses
- Additional Optional Coverage
Select The Right Home Insurance Policy
Talk to an agent now to get all the home insurance coverage details and options from +20 of our carriers.
Talk To Us NowWhere SF Services Writes Home Insurance Policies
It helps to have an insurance agent who is close to home. Our office is located in Independence, MO 64055, and we serve many of the surrounding cities. We are licensed in Missouri and Kansas. To find out if we have written policies in your city here is a list of some of the cities we currently serve.
Missouri cities we work in: Independence, Blue Springs, Lee’s Summit, Grain Valley, Oak Grove, Gladstone, Liberty, St. Joseph, and Kansas City.
Kansas cities we work in: Kansas City, Overland Park, Leawood, Shawnee, Lenexa, Olathe, and other cities.