Home Insurance

One’s primary residence is typically the priciest financial asset one will own throughout their life. However, homeownership is not without some form of risk because there is always a possibility that a future event will cause a potential loss to a homeowner. The loss to a property owner can be inconsequential, like a broken bedroom window. A possible loss can also be severe, as the complete loss of the home due to fire, a tornado, or a hurricane, for example.

Insurance coverage protects homeowners from the potentially devastating effects of sizeable real estate losses, which generally translate to substantial financial losses. This unavoidable risk is the fundamental reason homeowners maintain home insurance.

And while property insurance is not a legal requirement, lenders will mandate the purchase of homeowner’s insurance if Kansas property owners have mortgaged their property to the bank.

Homeowners in need of home insurance can obtain policy advice, premium quotes, or experienced guidance by contacting our insurance professionals at the Fortress Insurance Agency.

Homeowners insurance covers privately-owned property by combining specific insurance protections with coverage like:

• The loss of a home.
• The loss of a home’s use.
• The loss of a home’s use.
• The loss of other personal property.
• A liability incident that may occur on the property

Property owners carry homeowner’s insurance as protection against liability and damage to their home. Homeowner’s insurance does not, however, protect against mechanical breakdowns in one’s home. Mechanical failures are covered through home warranties, not insurance.

Homeowners are encouraged to reach out to our professional insurance agents at Fortress Insurance Agency for information, premium quotes, and expert advice regarding insurance coverage. Our insurance agents can help determine the required coverage that protects you in the event of an inevitable natural disaster, theft, and water backup damage, etc.

While our office is located in Kansas, we serve clients in multiple states, including Nebraska, Missouri, and Iowa