Home Insurance at a Glance

Buying a new home is one of the most exciting milestones in life--it's a manifestation of years of hard work and the first step to a future filled with sentimental memories of family and friends. There are so many things threatening the safety of your home, your loved ones, and possibly your most valuable investment, so why not take the proper steps to protect the things that matter most to you?

What does homeowners insurance cover? Farmer's Insurance offers multiple types of home insurance coverage's such as:

• Property: covers your home and other structures on your property such as sheds and detached garages

• Possessions: includes Contents Replacement Cost, which pays for repair or replacement of your belongings

• Liability: covers someone else's bodily injuries or property damage as well as destructive or harmful behavior from your pets

• Medical payments: pays for medical bills for people who don't live in your home

• Living expenses: applies if damage to your home makes it uninhabitable for a period of time

How much coverage do I need? When deciding how much coverage you need it's important to keep in mind what things are covered by your insurance.

•  Estimate the cost of rebuilding your home. The cost of rebuilding your home is very different from the price you paid for your home. Consider any renovations you've made, the age of your home, and contractor prices in your area. 
• Take inventory of your personal property. Estimate the value of everything in your home and take pictures of everything. Keep your inventory in a place outside your home, and update it each time you acquire new things. 
• Consider your assets. Lawsuits against you can be a serious threat to your financial status. Considering your net worth is a good way to predict how much coverage you will need. If you have a high net worth, consider an umbrella policy. 

How can I lower my premiums? When it comes to protecting the things that are most valuable to you and your family, don't forget that cheaper doesn't always mean better. There are things you can do to lower your premiums, but choosing an inadequate plan due to lack of money is never the way to go. To save money you can:

• replace your roof if it is over six years old
• purchase multiple policies with Farmers Insurance
• install a security system
• ask your insurance agent about discounts available for particular businesses or professions
• get your house inspected
• renovate things such as heating, electrical, and plumbing
• a non-smoker discount applies to a household who has not smoked tobacco in at least two years

For more information you can visit the Farmers Insurance web page, or contact me.

I am a licensed insurance agent in Kansas and Missouri, if I can assist you in any way possible let me know.  

Brian Chandler-Farmers Insurance Agent
1201 NW Briarcliff Pkwy #345
Kansas City, MO. 64116
816-888-4528
farmersagent.com/bchandler
bchandler@farmersagent.com

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