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.

Home Insurance Quotes 64064

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.

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 64064

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.

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.

Home Insurance Quotes 64064.

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 64064

When you bundle a Progressive Auto policy with a Progressive

Home policy, you get great coverage, generous discounts,

and timely claims service. And best of all, by bundling your

home and auto policies, if you have a claim that involves

both your home and auto, you’ll only pay one deductible.*

Give us a call—we’d love to save you a bundle!

Home Insurance Quotes 64064

Homeowners insurance covers so much more than just your house. Homeowners also covers other structures on your property (barn, shed, fence), your belongings (furniture, clothes, electronics), lawsuits, and even temporary living expenses during home repairs. And yes, these coverages come standard at no extra cost. Just get a homeowners insurance quote, and you can see all your coverages.

Home Insurance Quotes 64064.

Call: 816-489-7800

A+ rating with BBB and licensed insurance agent since 2003.

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 Hubbard Insurance is committed to bringing it’s clients highly personalized service while providing true value to the communities that surround us.

Home Insurance Quotes Lee’s Summit, MO

Home Insurance Policies

Home Insurance Quotes Lee’s Summit, MO

Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings and peace of mind.

Home Insurance Quotes Lee’s Summit, MO

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

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.

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.

COVERAGE AND SAVINGS MATTER

Home Insurance Quotes 64081

When it comes to your home and auto insurance needs, we offer coverages, savings, and services you can rely on.

TAILORED COVERAGE FOR YOU

The benefit of an agent is having someone there to talk through your insurance needs. Your agent can help you determine what coverage best fits your lifestyle. Here is a coverage option you can add to your Progressive Home policy.

Home Insurance Quotes 64081

Home Insurance Quotes 64081