Home and Residential

Types of Homeowners Coverage

These are the common types of coverage homeowners can expect when searching for homeowners insurance.  We’re here to ensure your policy includes the coverage that works best for your family.


Protects against damage to the home (structure or roof) that is typically equal to the rebuild value of the home.

Other structures

Protects against damage to other structures such as detached garages, sheds, mailboxes, and fences.

Personal Property

Provides coverage for belongings such as furniture, appliances, or electronics that are damaged or stolen.

Additional living expenses

Covers costs associated with temporary housing and dining if your home should become unlivable.

Other structures

Protects you against personal liability if you are sued for accidental injury or property damage to others.

Medical Payments

Covers the costs associated with minor injuries for guests injured on your property.

About Homeowners Insurance

Homeowners insurance isn’t a luxury, it’s a necessity.  It protects not only your home and possessions from theft or damage but also covers your liability for accidents.

What makes up my premium?

Your costs will be based on various factors including the amount of coverage and if additional protections are needed for things like expensive jewelry, additional structures, or items like wood-burning stoves. Our agents can help guide you through the process and balance your needs with a policy that’s affordable.

Reasons to have homeowners insurance

There’s no better time than now to get homeowners coverage and if you already have homeowners, there’s never a better time to reevaluate the coverage you have or to seek a lower premium.


Damage to your home (storms, fire, accidents)


Damage or theft of property (clothing, furniture, appliances)


Personal liability protection for accidents that occur on your property

The basics of home insurance

The simple steps to covering your home and yourself

Get a Quote

The first step to getting covered is to get a quote for the coverage that you need. We can work with you to make this a simple and painless process.


Buy your Policy

When you’re ready to move forward with a policy that’s just right for you and your family, you simply pay the premium (monthly or annually).


File a Claim

If the unfortunate time comes that your home becomes damaged or someone is injured on your property, make a claim.

We love helping people!

Our job is to personally ensure that you're covered. See what others have to share about their experience with us.

Mike FagerMike Fager
03:07 28 Feb 23
Ryan is great to work with and and got me what I needed for my company! Look forward to working with him in the future!
Marilyn PotterMarilyn Potter
01:54 25 Apr 22
Need questions answered regarding current or new insurance? Get your answers here!
Jennie BowenJennie Bowen
15:23 03 Aug 20
Very friendly and knowledgeable staff
Office Hours

Mon-Fri: 9am to 5pm
Nights and weekends by appointment


Our Office

507 Market St
Osage City, KS 66523

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