Abbott Insurance Kansas City

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8117 N Oak Trfy, Kansas City, MO 64118

Shop Homeowners Insurance

Homeowners insurance covers your biggest asset in case of unforeseen events, and finding the right coverage is extremely important. That’s why comparing companies should go beyond just price, and we can help you do just that. Compare homeowners' policy quotes online to get started.

Expertise.com 2024 Best Homeowners Insurance Agencies in KC

What does a Homeowners policy cover?

Homeowners' policies are package policies containing two main types of coverage – liability and property coverage. Liability protects you from damages caused to others that you may be negligent for, and property coverage provides coverage for exactly that: your property.

Depending on the type of policy you purchase will determine the types of claims that are covered by your policy.

Basic Form

Basic offers the least amount of coverage but serves as the basis for the other coverage forms. If damage is caused by something not included in this list, then it will not be covered by the policy: fire, lightning, explosion, smoke, windstorm, hail, riot, civil commotion, aircraft, vehicles, vandalism, and volcanic eruption.

Broad Form

Basic form perils + falling objects, weight of ice or snow, water leakage and collapse.

Special Form

Special form coverages cover anything that’s not specifically excluded from the policy.

To make things even more interesting, Basic + Broad = Named Perils form and sometimes Special form can be referred to as All Risks coverage or open perils. Each carrier has policies and coverages that are specific to them and not all policies are created equal.

We can review your current policy for coverage gaps, provide a bundled quote and answer any other questions you might have.

Commonly Asked Questions

How is the replacement cost of my home determined?

The replacement cost is typically determined by assessing the current market value of your home and the cost to rebuild it. This includes factors like construction materials, labor, and local building codes.

Why are homeowners insurance rates high?

Our rates in the Kansas City area are predominantly influenced by weather-related factors and the rising costs and frequency of roof replacements. From hail and wind to snow and ice, our region experiences a range of damaging weather conditions.

What should I know about home inspections?

Insurance companies are now conducting more frequent inspections on new policies, scrutinizing additional details. As a result, they may request adjustments or repairs to the home as a condition for continuing coverage. Demonstrating pride of ownership can significantly impact your standing in the current market.

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