May. 31st 2019
Call: 816-489-7800
Or click here to request insurance quotes.
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. Insurance Agent Lee’s Summit, MO.
Insurance Agent Lee’s Summit, MO
An insurance agent helps clients choose insurance policies that suit their needs. He or she may also be called an insurance sales agent. Clients include individuals and families as well as businesses. A captive agent works for a specific insurance company and only sells that company’s products, while other agents work independently or for a broker, and sell products from multiple insurance companies. Insurance Agent Lee’s Summit, MO.
Types of insurance include property and casualty, life, health, disability, and long-term care insurance. Many insurance agents also sell investment products, such as mutual funds, variable annuities, and other securities.
Insurance Agent Duties & Responsibilities
As part of their day’s regular duties and tasks, an insurance agent may perform some or all of the following:
- Generate and follow up on leads, schedule appointments, identify client needs, and market appropriate products
- Close the sale with current prospective customers
- Meet new business production goals and objectives
- Provide customer support in a friendly, prompt, and accurate manner
- Network and build business referral relationships
- Input quotes and work renewals for customers
- Insurance Agent Lee’s Summit, MO
May. 24th 2019
Call: 816-489-7800
Or click here to request insurance quotes.
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. Homeowners Insurance Quotes 64082.
Homeowners Insurance Quotes 64082
Homeowner’s policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers both damage to one’s property and liability for any injuries and property damage caused by the owner or members of his/her family to other people. It may also include damage caused by household pets. The U.S. uses standardized policy forms that divide coverage into several categories. Coverage limits are typically provided as a percentage of the primary Coverage A, which is coverage for the main dwelling. Homeowners Insurance Quotes 64082.
The cost of homeowner’s insurance often depends on what it would cost to replace the house and which additional endorsements or riders are attached to the policy. The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a contract of indemnity and will put the insured back to the state he/she was in prior to the loss. Typically, claims due to floods or war (whose definition typically includes a nuclear explosion from any source) are excluded from coverage, amongst other standard exclusions (like termites). Special insurance can be purchased for these possibilities, including flood insurance. Insurance is adjusted to reflect the cost of replacement, usually upon application of an inflation factor or a cost index. Homeowners Insurance Quotes 64082.
May. 17th 2019
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.
Click here to request insurance quotes.
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. Insurance Quotes Lee’s Summit, MO. Homeowners Insurance Quotes 64081.
Homeowners Insurance Quotes 64081
BREAKING DOWN Homeowners Insurance
When a mortgage is requested on a home, the homeowner is required to provide proof of insurance on the property before the lending bank can issue him or her a mortgage. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have their property covered from loss or damages, the bank may obtain one for them at an extra cost. Homeowners Insurance Quotes 64081. Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner’s mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account. Homeowners Insurance Quotes 64081.
Apr. 25th 2019
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.
Click here to get quotes.
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.
Homeowners Insurance 64081
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. Homeowners Insurance 64081.
Types of Home Insurance Coverage
Within a Homeowners Insurance Policy, the following categories can help ensure your home and assets are adequately protected.
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.
Learn more about Dwelling Coverage
Other Structures Coverage
Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.
Apr. 6th 2019
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.
Click here to get quotes.
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.
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. Homeowners 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. Homeowners Insurance Lee’s Summit, MO.
Homeowners Insurance Lee’s Summit, MO
Mar. 15th 2019
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.
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, therefore causing an expensive mess. Water back-up coverage will most importantly then pay for damage to your belongings and water removal. Home Insurance Lee’s Summit, MO.
Example: Your sump pump breaks down, and therefore water/sewage floods back into your basement, damaging your carpet, furniture, billiards table, washer, and dryer. Water back-up then pays for the sewage removal and that damage to your property. Home Insurance Lee’s Summit, MO besides that.
Home Insurance Lee’s Summit, MO
Mar. 4th 2019
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
Basic homeowners insurance coverages
Dwelling
Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.
Contents
Helps cover your personal property not attached to or built into your home, such as furniture and clothing.
Personal liability
If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.
Medical payments to others
May help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or law insurance
May help pay to rebuild your home to current building codes after a covered loss.
Other structures
Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.
Loss of use
Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.
Home Insurance 64063.
Feb. 22nd 2019
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
Feb. 15th 2019
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
Within a Homeowners Insurance Policy, the following categories can help ensure your home and assets are adequately protected. Home Insurance 64064.
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
Feb. 8th 2019
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
