Homeowners Insurance in Olathe, KS
Storm season in Kansas can bring hail, heavy rain, and strong winds that can damage your home and belongings. Is your current homeowners policy truly ready to handle it?
Homeowners Insurance FAQ – Kansas Edition
1. What does a standard homeowners policy cover?
Structure, personal property, liability, and temporary housing after a covered loss.
2. Is hail and wind damage included?
Yes, but confirm there are no exclusions or depreciation clauses — especially in Kansas!
3. Is flood damage covered?
No — separate flood insurance is needed for water from outside your home.
4. Should I insure for market value or rebuild cost?
Always insure for the full rebuild cost, not just the sale price.
5. Does my deductible affect my premium?
Yes — higher deductibles can lower your monthly rate, but increase out-of-pocket costs.
6. Are valuables fully covered?
Most policies limit coverage on jewelry, firearms, and collectibles. Add endorsements as needed.
7. Can I bundle with my auto or life insurance?
Absolutely — and it often saves you money.
8. Does homeowners insurance cover fallen trees?
Yes, if the fall is caused by a covered peril like wind or lightning.
9. How often should I review my policy?
At least once a year, or after home upgrades and major purchases.
10. Who do I contact with questions?
Paul Carrigan at TCG Insurance Solutions — your local insurance ally.
Why Choose TCG Insurance Solutions?
Personalized home insurance quotes for Olathe, Overland Park, Gardner & surrounding areas
Protection against hail, wind, water damage, and more
Bundle discounts with auto or life insurance
Independent advice from a local agent who works for you
✅ Get a Free Homeowners Policy Review Today
Click here to contact Paul Carrigan or call/text 913-837-0434
Serving Olathe, Overland Park, Gardner, Lenexa, and Johnson County, KS.
TCG Insurance Solutions • www.tcgsolutions.us