Kansas City Homeowners: Have you checked your insurance lately?
Kansas City Homeowners: Have your checked your insurance lately?
Kansas City Homeowners: Have your checked your insurance lately?
Over the last several days, Ive had several people ask me about homeowners insurance. This has been another year of natural disasters that have happened, from the tornados of Greensburg to the wildfires of San Diego. Its made us think about how well are we covered if something ever did happen to us? If you havent purchased a home over the last few years, have you taken the time to do a check up on your insurance? Probably not. Most folks arent aware of the typical losses that are not covered under standard insurance policies. Those are earthquake, flood, mold, sewer backup and others! You can purchase additional coverage for your Overland Park home! But you usually have to request it.
Keep in mind, that there are several different type of coverage. There is the Actual Cash Value that takes into account the depreciation from the cost to repair or to replace. Where Replacement Cost does not consider depreciation. Its important for you to know what type of coverage you have on your Kansas City home. Plus there are times when you need additional coverage for items like furniture, antiques, jewelry, collectibles and more. Inventory your home by compiling a list of items in each room, take photographs, videos, and keep the receipts of major purchases. The best thing is to store this information in a safety deposit box which is off site of your home. As you can see, its important to seek assistance from your insurance professional to assist. Check out some resources.
When you are considering a move in the Overland Park and Kansas City area, please us know. Give us a call at (913)312-3614. Feel free to check out all the homes for sale in Overland Park.
