4 Home Insurance Coverage Options to Consider

Homes come in different styles, sizes, and shapes, but they all need protection. One way to protect your home is to have security dogs and install alarms, perimeter walls, and anti-theft doors. While these security measures are good, you need home insurance to protect your home even after disaster strikes. But since you may not be familiar with home insurance, confusion may reign when choosing policies.

Fortress Insurance Agency in Overland Park, KS is here to help you navigate this important insurance coverage.

Here are home insurance policies you can consider:

Dwelling coverage

Perhaps, this is the primary reason most homeowners invest in home insurance. Home insurance protects your building against various perils, including lighting, hail, vandalism, falling objects, fire, theft, etc. Should any listed risk damage your home, your policy compensates you up to the coverage limit.

Contents coverage

Home insurance protects your assets, too. Home insurance compensates you should fire, theft, and other risks happen to your belongings, including your clothing, electronics, fixtures, etc. If you want all your possessions covered, conduct a "room from room count" to ensure nothing is left out.

Liability coverage

It is one of the most underrated home insurance policies, yet it can save you from significant financial losses. Liability coverage protects you when third parties accuse you of bodily injury and property damage. And that’s not all. Liability coverage pays for legal costs when sued.

Additional living expenses coverage

If a peril in your policy damages your home, home insurance covers the cost of accommodating you in a hotel or residence similar to your home. This way, you don’t have to rely on your friends and relatives for shelter when disaster strikes.  

Medical payments

This policy covers minor medical costs for non-household members who sustain injuries while on your property.

Give Us A Call

Want to invest in home insurance in the greater Overland Park, KS community? Don’t hesitate to get in touch with Fortress Insurance Agency for a competitive quote.