Call: 816-489-7800

Licensed insurance agent since 2003, and A+ rating with BBB.

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him. 

Click here to get quotes.

Homeowner’s Insurance Lee’s Summit, MO

Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policyholders or their families cause to other people. This includes damage caused by household pets.  Homeowner’s Insurance Lee’s Summit, MO.

Damage caused by most disasters is covered but there are exceptions. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Flood coverage is provided by the federal government’s National Flood Insurance Program, although it is purchased from an insurance agent. Earthquake coverage is available either in the form of an endorsement or as a separate policy. Most maintenance related problems are the homeowners’ responsibility.  Homeowner’s Insurance Lee’s Summit, MO. 

Homeowner’s Insurance Lee’s Summit, MO

Call: 816-489-7800

Licensed insurance agent since 2003, and A+ rating with BBB.

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him. 

Click here to get quotes.

Optional homeowners insurance coverages

You can add any of these coverages to customize your policy based on your needs.

Call: 816-489-7800

Licensed insurance agent since 2003, and A+ rating with BBB.

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him. 

Click here to get quotes.

Home Insurance 64063

Call: 816-489-7800

Licensed insurance agent since 2003, and A+ rating with BBB.

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him. 

Click here to get quotes.

Home Insurance 64086

What factors can affect homeowners insurance premiums?

The following factors can affect your homeowners insurance premium:

• Home Features and Characteristics — Your home’s age, type of structure, wiring, roof, garage, etc., can affect your homeowners insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.
• Location — Where your home is located can change your homeowners insurance premium. For instance, your home insurance rate can be affected if your home is in close proximity to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.
• Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your homeowners insurance premium.
• Personal Factors — What you do can affect your homeowners insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.
• Claims History — If you have a history of claims on a homeowners insurance policy, you may pay a higher premium.

See more on how much homeowners insurance you may need.

Home Insurance 64086

Call: 816-489-7800

Licensed insurance agent since 2003, and A+ rating with BBB.

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him. 

Click here to get quotes.

Home Insurance 64064

What Does Homeowners Insurance Cover?

A Homeowners Insurance Policy (also known as an HO-3 policy) can cover damage caused by such perils as fire, windstorms, hail, lightning and vandalism. Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to additional perils.  Home Insurance 64064. 

Types of Home Insurance Coverage

Dwelling Coverage

Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. You will likely want to buy enough dwelling coverage to cover the estimated cost to repair or rebuild.  Home Insurance 64064.

Other Structures Coverage

Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.  Home Insurance 64064.

Home Insurance 64064

Call: 816-489-7800

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Licensed insurance agent since 2003, and A+ rating with BBB.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him. 

Get quotes here.

Home Insurance 64082

Optional homeowners insurance coverages

You can add any of these coverages to customize your policy based on your needs.

Water back-up

Covers water damage from backed-up sump pumps and sewer systems

Some homes have sump pumps in their basements/crawl spaces, which are designed to pump water out from underneath and around your foundation. Sometimes sump pumps or plumbing/sewer systems get backed up. Water can then flood into your house, causing an expensive mess. Water back-up coverage will then pay for damage to your belongings and water removal.  Home Insurance 64082

Personal injury

Covers uncommon but expensive lawsuits and situations

Personal injury covers your legal fees and additional damages from:

• Slander or libel lawsuits (something you say/write that damages a person’s reputation or business)
• Lawsuits against you such as wrongful entry or malicious prosecution
• Wrongful eviction
• False arrest, detention, or imprisonment
• Home Insurance 64082

Call: 816-489-7800

Get Multiple Home and Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Licensed insurance agent since 2003, and A+ rating with BBB.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him.

Home Insurance 64081

Get quotes here.

Auto Insurance Basics

Your basic car insurance plan begins with auto liability. Liability insurance is generally required by state law and protects you financially when you’re liable for your actions as a driver:

Bodily injury liability: Pays medical bills and lost income (up to your limits) if you hit someone and they’re injured. This covers anyone in the accident, plus legal fees if you’re taken to court as a result of the incident.  Home Insurance 64081.

Property damage liability: Pays for damages (up to your limits) to someone else’s vehicle and/or property.

Comprehensive coverage protects your vehicle against fire, theft, vandalism, hitting an animal, glass breakage, or weather/acts of nature. A deductible (the amount of money you’ll pay out of pocket before your insurer pays the rest) usually applies, but you’ll be able to choose the amount.

Collision coverage pays to repair or replace your damaged vehicle if you collide with another object, including vehicles, curbs, trees, etc. Collision covers you regardless of fault and also includes a deductible.  Home Insurance 64081.

Uninsured/underinsured bodily injury covers you and your passengers (up to your limits) if you’re injured in an accident and the at-fault driver has no insurance or not enough insurance.

Home Insurance 64081

Call: 816-489-7800

Licensed insurance agent since 2003, and A+ rating with BBB.

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him.

Lee’s Summit, MO Insurance Quotes.

Get quotes here.

Lee’s Summit, MO Insurance Quotes

Dwelling coverage

Covers damage to your house and attachments

Dwelling coverage pays for damage to your house and anything permanently attached to it, including your garage, roof, chimneys, attached deck, countertops, cabinets, flooring, vanities, etc.

Example: A pipe in your kitchen bursts and water damages your walls, cabinets, countertops, appliances, and hardwood floors. This then pays to repair or replace what’s damaged and water removal.

Other structures

Covers structures not permanently attached to your house

Other structures coverage includes unattached garages, gazebos, decks, patios, sheds, pergolas, fences, driveways, etc.

Example: During a windstorm, a tree falls and damages your shed, fence, deck, and pool. This then pays to repair or replace the structures that were damaged and tree removal.

Personal possessions

Covers your belongings if they’re stolen or damaged

Personal possessions covers just about all of your stuff if it’s damaged or stolen. This can include electronics, furniture, clothes, tools/power equipment, and more. Your items are even covered if they’re not stored in your home (sheds, garages, your car, storage facilities, etc.).  Lee’s Summit, MO Insurance Quotes.

Example: Someone breaks into your car and steals your phone, clothes, and camping equipment. You’ll then get payment for those items, but there may be limitations on some of them.

Jewelry, art, memorabilia, computers, and other expensive items: Certain limits may apply to your more expensive items, but don’t worry, you can get additional coverage for jewelry and other expensive items. Just complete your quote, and we’ll guide you through adding the right coverage as you’re buying. Plus, we have licensed home insurance agents available to help.  Lee’s Summit, MO Insurance Quotes.

Call: 816-489-7800

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Licensed insurance agent since 2003, and A+ rating with BBB.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

We are committed to bringing our clients highly personalized service while providing true value to the communities that surround him.

Click here to get a quote.

Home Insurance Quotes 64063

Homeowners basics

Homeowners insurance protects you from the unexpected burden of

paying to rebuild your home should disaster strike. It also helps pay:

Speak up

Take time to go over the details of your policy with your agent. If you think you need more coverage, tell your agent. Compare prices of homeowners insurance from different insurance companies every two years.  Home Insurance Quotes 64063.

What is covered:

►►Fire & smoke

►►Windstorm & hail

►►Lightning

►►Vandalism & theft

►►Weight of ice, snow or sleet

►►Damage from car

What is not covered:

►►Flood

►►Earthquake

►►Sewer & drain backup

HOMEOWNERS INSURANCE

►►Cost of personal property ifit’s damaged or stolen.

►►Additional living expenses –such as a hotel – while yourhome is being rebuilt.

►►Medical bills, up to a limit, if aguest is injured on your property.

Home Insurance Quotes 64063.

Call: 816-489-7800

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Licensed insurance agent since 2003, and A+ rating with BBB.

Jim Hubbard Insurance

With over a decade of experience in the insurance industry, Jim works to minimize the clients exposure with quality coverage from quality companies and a quality price.

Jim Hubbard Insurance has access to over a dozen insurance carriers, giving the client more choices in products and pricing without sacrificing service. Jim offers competitive coverage through only top-rated carriers; most not only offer 24 hour claims service, but also 24 hour customer service.

Jim is committed to bringing his clients highly personalized service while providing true value to the communities that surround him.

Home Insurance Quotes 64086

Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policyholders or their families cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Flood coverage is provided by the federal government’s National Flood Insurance Program, although it is purchased from an insurance agent. Earthquake coverage is available either in the form of an endorsement or as a separate policy. Most maintenance related problems are the homeowners’ responsibility.