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Prairie Village, KS 66208

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When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or you are renting it short term, you need to have insurance coverage to guard against disasters and losses.

Homeowners, Condo, and Renters Policy Types: The Differences

A Homeowner’s policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowner’s insurance. This type of policy will cover both the outside of the home and the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes and flood may be excluded but additional coverage can be added on) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a Renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for break-ins, natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowner’s policy on the place you are living, it does not cover your own personal items as a renter, nor your liability, which is why renters insurance is essential.

You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. Your local Evoke agent is the best resource for this since they can represent you to many of the top carriers for you online. Your local Evoke independent agency will give you the power to compare all the best policy options conveniently at home and will make the process of changing over incredibly simple!