Home Insurance in Kansas City, KS

A home insurance policy may protect your property from financial losses caused by unexpected risks. Fusion Insurance can help you get appropriate home insurance at favorable rates.

What Does Home Insurance Cover?

A standard home insurance policy may cover the following:

• Dwelling coverage may cover the repair of your home’s physical structure after fire, lightning strike, vandalism or certain natural disasters.

• Structure coverage may cover detached structures such as a gazebo, a garage or a shed.

• Liability coverage may cover associated costs if you’re held liable for third-party bodily injury or destruction of property.

• Bodily injury coverage may help pay for a visitor’s medical expenses if they get injured while in your home.

• Property damage coverage may be beneficial if you’re deemed responsible for causing damage to someone else’s property.

• Additional living expenses coverage may reimburse your food, shelter and other expenses if you must move out of your home temporarily after a loss event.

How Much Does Home Insurance Cost?

The cost of home insurance may vary depending on your insurer and chosen coverage. The following factors may also influence your rate:

• Your location

• The type and value of your home

• Your credit history

• Your claims history

• Your deductible

• Your proximity to environmental risks, such as flooding or wildfire

Here are a few ways you can save on home insurance:

• Have a higher deductible amount.

• Bundle your home and auto insurance policies together.

• Install home safety systems.

• Retrofit your home to be more resilient to natural disasters.

How Does Home Insurance Deductible Work?

A home insurance deductible is the amount you must pay out of your pocket before your insurer covers the remainder of your claim. It can be a standard amount or a percentage of your home’s insured value. The higher your deductible amount, the lower your premium.

Our agents can help determine an appropriate deductible for your financial situation.

Where to Get Home Insurance

Contact Fusion Insurance to request a quote.