To protect your home from any financial crisis due to destruction or damage by fire, hail, storm or be even theft or other perils listed under your policy, home insurance is necessary. Kansas home insurance policy will pay up to your policy limits to replace or repair your property. You need to be aware of what your policy covers and how you can benefit through it. Before buying a Kansas home insurance policy, check for its terms and conditions to avoid surprises. Ensure to read your policy carefully. Also know about the claim process and coverages included in your policy.
- Wind and hail coverage: Most of the Kansas home insurance companies exclude certain losses which depends on your home location. However, you might ask for endorsement to include wind and hail damage provided you reside in such environment experiencing heavy wind and storms. Some companies only cover actual cash value of your home rather than replacement cost, depending completely over condition and age of your home.
- Mold coverage:Mold remediation is not covered by most of the home insurance policies.If covered, then only up to a certain limit of replacement or repair of damaged property will be considered when caused by water loss. But there are few companies which offer coverage to accidental and sudden water leaks via endorsements. Check with your insurance agent before you decide on your policy.
- Flood Insurance: Kansas incurs highest number of floods every year and damages caused by floods have hazardous effect. Flood damage is not covered by Kansas home insurance policies. In order to protect your home from this peril, you need to buy a separate policy called flood insurance from NFIP. National Flood Insurance Program helps you and your family to cover the risk due to floods.