Kansas is susceptible to a variety of natural disasters, including severe storms, tornadoes, floods, wildfires, and landslides. While earthquakes are less common, they do occur near the state’s southern border with Oklahoma. Fortunately, you can take measures to prepare for potential disasters, including ensuring you have the appropriate home insurance coverage.

Do You Have Coverage?

Home insurance typically covers disasters such as wildfires, wind damage, hail damage, and hurricane wind damage. However, flooding is usually not covered, meaning you’ll need to purchase a separate flood insurance policy if you live in an area prone to flooding. Coverage for landslides will likely depend on the cause of the landslide.

Natural disaster coverage varies depending on the home insurance policy you purchase. The amount of compensation you’ll receive in the event of a natural disaster also varies, depending on your policy and the policy deductible. It’s important to read your policy carefully to avoid any unpleasant surprises in the event of an unfortunate incident. If your home is expensive and you have valuable personal possessions, you may want to consider an umbrella insurance policy in addition to a home insurance policy to ensure you receive sufficient compensation after a natural disaster.

Contact Marla Williams Agency for More Information

Your home is likely one of your most valuable assets. You’ll want a reliable insurance policy that will provide compensation if the house or property is damaged by severe weather or another natural disaster. At Marla Williams Agency, we take pride in helping Kansas homeowners assess their policy options, select a policy, and choose an ideal deductible. Contact us for more information or a policy quote.