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What Home Insurance Covers Wichita KS

Do you notice that many natural disasters are excluded from home insurance policies? You can get a special rider or endorsement to cover you for flood, earthquake, landslide, mudslide, or sinkhole. However, be prepared for this type of home insurance coverage to cost you a lot more - especially if you want flood coverage and you are in a flood-prone area for instance.

Insurance Management
(316) 267-9221
1631 Sw Topeka Blvd
Topeka, KS
 
Burton Oliver Farmers Insurance
(316) 267-2323
1107 West Douglas Avenue
Wichita, KS
 
Greg Fewin Agency
(316) 943-2101
2061 North West Street
Wichita, KS
 
Bennett Dave Insurance
(316) 684-2800
5231 East Central Avenue Suite C
Wichita, KS
 
Allstate Insurance Bill Mull
(316) 945-0090
4800 W Maple #116
Wichita, KS
 
Shannon Ted Insurance
(316) 267-7878
1101 West Douglas Avenue
Wichita, KS
 
Bird Floyd Wfarmers Insurance
(316) 263-4927
1111 West Douglas Avenue Suite 2
Wichita, KS
 
Commercial Insurance Group Inc
(316) 683-7808
400 North Woodlawn Street Suite 100
Wichita, KS
 
Cope Insurance Agency
(316) 682-5500
935 South Woodlawn Street
Wichita, KS
 
Blanding Davidfarmers Insurance
(316) 943-8400
534 North Ridge Road # A
Wichita, KS
 

What Home Insurance Covers

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What Home Insurance Covers

Home insurance is notoriously complex. The complexity is around the types of "perils" covered by your policy.

"Perils" are the ways and means by which damage occurs. The easiest way to explain this is to look at the standard list of perils which most insurers consider:

  • fire or lightening home insurance
  • theft home insurance
  • volcanic eruption home insurance
  • falling object home insurance
  • weight of ice, snow or sleet home insurance
  • accidental discharge of or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or from a household appliance
  • explosion home insurance
  • riot or civil commotion home insurance
  • damage caused by aircraft home insurance
  • damage caused by vehicles home insurance
  • sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
  • windstorm or hail home insurance
  • smoke home insurance
  • vandalism or malicious mischief home insurance
  • freezing of a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or of a household appliance
  • sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, translator or similar electronic component).

You can get an "all perils" policy, which will cover you for the complete list of perils. Most home insurance policies will have some limitations.

Do you notice that many natural disasters are excluded from home insurance policies? You can get a special rider or endorsement to cover you for flood, earthquake, landslide, mudslide, or sinkhole. However, be prepared for this type of home insurance coverage to cost you a lot more - especially if you want flood coverage and you are in a flood-prone area for instance.

ALWAYS check your home insurance policy to be sure you know exactly what perils you are cove...

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