Home Insurance for Missouri and Kansas Homeowners

Despite our name, Auto Insurance Discounters doesn’t just provide auto insurance. We also provide home insurance for homeowners throughout Missouri and Kansas!

Homes in Missouri and Kansas face multiple risks, from high winds and tornadoes to intense hail. Although you protect your home as much as possible, accidents can happen. Having a quality homeowners insurance policy means not worrying about paying for damages to your home out of pocket. Auto Insurance Discounters will help you find the perfect homeowners insurance policy for your Missouri or Kansas home.

Does Home Insurance Cover Home Improvements or Renovations?

Any time you plan to make significant changes in your home, you should reassess your insurance. Whether adding a deck or patio to your yard, finishing your basement or redoing the kitchen, projects typically add significant value to your property. Given that your home insurance policy is likely tailored to cover your home’s replacement cost, increasing that value usually necessitates greater coverage. Make sure you inform your insurer about any improvement or renovation plans, as they can help you adjust and enhance your policy and remain adequately covered.

What Should I Do If My Claim Is Denied?

In some cases, your insurance carrier may reject your home insurance claim. In these situations, you should be aware of the following potential steps:

• Review your insurer’s decision, which should list their reasons for the denial. Compare this with the language in your policy.

• Gather any evidence regarding your claim, including photos, videos and receipts.

• File a formal appeal with your insurance company. It’s possible that your claims adjuster made a mistake or oversight that could be detected and resolved by revisiting the case.

• Hire an independent appraiser or public insurance adjuster to look at your claim. Make sure they’re licensed in your state.

• Contact your state’s insurance department and request that they investigate your case and confirm your carrier’s findings.

• Enlist the assistance of an attorney who may be able to argue on your behalf.

What Discounts Are Available?

While home insurance is essential, it may strain your budget. Maximize the cost-efficiency of your premiums by taking the following steps:

• Bundling, such as purchasing your home insurance from the same company as you have auto coverage

• Avoiding small claims, such as by paying out of pocket for minor damage to avoid having claims on your record

• Improving your home, such as by using nonflammable materials and installing storm shutters or deadbolt locks

• Remaining with the same company, which can garner a loyalty discount after an extended period with the same carrier

Does My Policy Cover Home-based Businesses?

Generally, no, you should not expect your home insurance policy to cover home-based businesses. Standard home coverage is typically tailored to protect residential property and uses, and even though you may operate a company from entirely within the same space, related losses are likely excluded.

Explore alternative coverage options for home-based businesses, such as endorsements or a business owners policy. Without additional insurance, you would have to pay out of pocket for losses involving property used for commercial purposes, such as electronics, tools and office furniture. Additionally, business-related liabilities, such as if clients are injured while visiting your home, require additional coverage. Such incidents are generally excluded from the personal liability coverage included in standard home insurance policies.

Why Choose Us

Since 2001, Auto Insurance Discounters have been working with Missouri and Kansas clients to find great policies at affordable prices. Insurance can be confusing, but our experts know the market and understand the risks that Missouri and Kansas residents face. We offer excellent customer service while providing insurance to protect you, your home and your savings!

What We Offer

Despite what some may think, home insurance isn’t required by state law in either Missouri or Kansas. Home insurance is usually required by a lender, however. We offer three areas of home insurance:

·        Property Coverage: This covers the actual structure of your home. It provides compensation if your home or items inside are damaged due to fire, smoke, lightning, theft or vandalism.

·        Liability: This comes in two parts: legal expenses and medical expenses. Liability insurance steps in if a guest or third party falls victim to bodily injury or property damage in or around your home. This can also cover injury or damage done by your pet.

·        Additional Living Expenses: In drastic cases where a disaster makes the home uninhabitable, Additional Living Expenses (ALE) helps with the cost of living somewhere temporarily while repairs are being made.

Insure Your Home Today

The best thing you can do for your home is to be prepared. The weather is unpredictable at the best of times, and one incident can cost thousands of dollars. Auto Insurance Discounters works with you to find a policy fit for your home, your family and your budget. We take a complicated subject and make it simple by doing the hard work for you.

Give us a call today at (866) 288-6545 or fill out an online quote form to get started now!

Common Home Insurance Questions

How Much is the Average House Insurance?

In Missouri, the average cost of homeowners insurance is about $1,250 a year.

In Kansas, the average cost of homeowners insurance is about $1,531 a year.

What is Covered by Homeowners Insurance?

A typical homeowners insurance policy covers general liability, property and additional living expenses. Policies can be adjusted to cover expensive items within your home, such as jewelry, art and furs.

How Often are Homeowners Insurance Premiums Paid?

Homeowners insurance premiums are typically paid on a monthly basis.

How is Home Insurance Calculated?

Homeowners insurance is mainly calculated based on the value of your home. You should purchase homeowners insurance that covers over 80 percent of the value of your home. Other factors that affect homeowners insurance premiums include your location, credit score and claims history.