Coverage quiz
What do I actually need?
Four questions, about ninety seconds. You get a list of the coverages households and businesses like yours usually carry, with links to what each one does. Nothing is sent anywhere.
Question 1 of 4
Where do you live right now?
This sets the foundation of your property coverage.
Pick one to continue.
What is in the driveway?
Vehicle use decides whether you need personal or commercial auto.
Pick one to continue.
Who depends on your income?
This is the question behind every life insurance decision.
Pick one to continue.
How do you earn a living?
Business exposure almost never belongs on a personal policy.
Pick one to continue.
Here is what we would look at
Based on your four answers, these are the coverages we would price first. This is a starting point, not a recommendation for your specific situation.
Demo tool. Results are general information, not advice, and do not account for your full situation. Call (816) 555-0140 and a licensed agent will walk through it properly.
Coverage basics
Before you pick limits
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
As a floor, enough to protect what you could lose. For homeowners in this metro we usually recommend 100/300/100 on auto and $500,000 of personal liability on the home policy, then an umbrella above both if you have savings, equity or a professional income.
Most Kansas City homeowners policies now apply a separate deductible for wind and hail damage, written as a percentage of the dwelling limit. On a $400,000 dwelling limit, a 2 percent deductible means $8,000 comes out of your pocket first. We always convert it to dollars so there are no surprises.
No. Rising water is excluded from every standard homeowners policy. Flood coverage is a separate policy through the NFIP or a private flood market, and we can quote both. Water backup from a drain or sewer is different again and is added by endorsement.
Replacement cost settles a claim at what it costs to buy the item new today. Actual cash value subtracts depreciation first. The difference on a ten-year-old roof or a five-year-old sofa can be thousands of dollars, so we confirm which basis your policy uses.
Now let us price it properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.