Your home is probably the largest investment you’ll make in your life, and leaving your home uninsured is risky business. Dealing with an agent who’s experienced in homeowner’s insurance in Wichita KS, can keep your investment safe with the proper coverage. Getting the proper coverage from an experienced agent without a lot of bells and whistles you don’t need will keep your cost down but still cover your investment. Purchasing your insurance online from a cafeteria plan may not leave you enough coverage in case of an injury on your property or a loss due to theft, fire or a natural disaster. Only an experienced agent can give you that type of information.
When you use an experienced agent, they will shop the best rates and coverage for you. They will ask you appropriate questions such as who lives in the home, if you have guns, furs or antiques, and many other questions to make sure your possessions are covered. They will also make sure that your liability limits are high enough to cover any accidental injury on your property or in your home. An agent will also ask you such things as if you have a dog. You may need an additional rider even though your dog has never bitten anyone. Sometimes owning a dog is not covered under a regular homeowner’s insurance policy. The insurance industry considers dogs a risk.
There are many riders available for special items you may possess. This is why you need an experienced agent that knows homeowner’s insurance in Wichita KS. An experienced agent will also insure your house properly with the adequate replacement value for any losses incurred. If you choose an insurance policy online, choosing your own limits of liability and replacement values, if your home would be destroyed, you may only get part of your home rebuilt before you run out of insurance money after choosing lower replacement costs.
Don’t leave yourself financially vulnerable to a claim without adequate liability insurance or replacement value on your home. Contact Andy Woodward Insurance Agency to guide you through purchasing the proper homeowner’s insurance. Protect your biggest investment in your life with the proper insurance from a trusted agent.
