Home Insurance

Whether we own a Kansas home or rent our living space, home is where we spend our quality time and keep the things that matter to us. To protect ourselves, we need insurance coverage, and having the right information will help us feel knowledgeable and confident about our purchase.

Homeowners' policies in Kansas have five key elements:
  • Dwelling refers to the house, garage, and other attached buildings.
  • Contents refer to personal belongings including items such as furniture and clothing.
  • Additional living expenses refer to lodging, food, or other expenses should the owner be forced to leave their home.
  • Liability refers to the coverage the owner has if someone accidentally injures someone else or damages their property.
  • Medical payments refer to the payments of someone's medical bills should they be injured on the insured property.

Homeowner's policies include a combination of these five elements with varying levels of coverage based on factors including the cost of the home, the value of personal belongings, and assets that extend beyond homeownership. Navigating the right mix of these elements can be challenging, and the assistance of an agent in making choices is optimal. The experts at Todd Davis Insurance Group are ready and willing to help.

Please make note that a standard home insurance policy does not cover incidents involving flooding or earthquakes. These protections will usually be included in additional riders or specific insurance. It is always important to discuss with your insurance agent what might not be included in your home insurance policy.

Todd Davis Insurance Group knows the ins and outs of protecting homes with proper insurance. Please call or come by today to discuss the best options for your insurance needs. Also, try our online rating tool to get a quote on home insurance from your computer. Reach out to our agents for more information.

  • Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
    -Brad M.
  • Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
    -Spencer F.
  • They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
    -Susan T.
  • I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
    -Michelle D.
  • Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
    -Carol S.

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