Homeowners Insurance

You spent a lot of time looking for that perfect place to call home. Might as well spend a few minutes making sure your insurance protection is perfect, too. The Mazuma Insurance Services team will make sure your dream home lives up to your expectations, no matter what life throws at you.

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Why do I need home insurance?

Your home is likely the biggest investment you’ll ever make. And because life is unpredictable, you never know when you’ll need to replace your roof, repair your siding or even rebuild the entire house. As you can imagine, these costs add up quickly — often into the six-figure range. With homeowners insurance, you won’t need to sell any internal organs just to make your house livable again. Also, it’s required for anyone who has a home loan.

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What does homeowners insurance cover?

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Mazuma Insurance Services home insurance covers damage that occurs to your home during major events like fires, hail and tornadoes. Standard policies include four essential types of coverage:

  1. Your house — This is the part of your policy that pays to rebuild or repair the house itself. When choosing a homeowners insurance policy, you’ll want to purchase enough to completely rebuild the home in the event of a worst-case scenario.
  2. Your personal belongings— From your furniture to your Star Wars action figures, everything in your home has a value. This coverage will reimburse you for items stolen or destroyed by an insured disaster. Limited coverage is also available for personal property away from your home.
  3. Liability protection — Liability protection covers you against lawsuits for bodily injury or property damage that you or your family members cause to others. So if your son’s backyard home run goes through a neighbor’s window and smashes a pricey vase, you’re covered. Same if your dog bites the mailman. Liability coverage also provides protection in the event a friend or neighbor is injured on your property.
  4. Additional living expenses — If a fire destroys your home, you’re not going to camp in the backyard while the construction crew rebuilds it. This coverage will pay for hotel bills, restaurant meals and other expenses you incur while displaced from your home.

The Mazuma Difference

Whether it’s a fixer upper or your personal palace, we’ve got your home covered. With Mazuma Insurance Services, you won’t just get comprehensive homeowners, condominium or renters insurance. You’ll receive peace of mind, as well as the confidence that you’re getting the right coverage for your budget and your needs. We’ll set you up with your own personal agent, giving you a reliable resource for questions or guidance as you protect your home. If you’re gathering homeowners insurance quotes, come visit us in Kansas City or Overland Park to discover the Mazuma Difference.

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