Things Your Home Insurance Does Not Cover

Home insurance is absolutely essential for every home, and it covers many issues that can occur in a home. But there are also some issues that home insurance does not cover, and at Epic Insurance serving Lees Summit, MO, we want you to know what they are. Here are some problems that your home insurance policy probably does not cover.

Floods

Floods can happen quickly and be absolutely devastating to a home and its contents. But many home insurance policies do not cover floods. You would have to get flood insurance. Check to see whether your local conditions mean it makes sense to get flood insurance.

Mold

Mold can result from floods or any type of water damage. There are numerous species of mold, and they can seriously destroy a home and all of your belongings. But a typical home insurance policy does not cover mold damage.

Termites

A standard home insurance policy in many cases does not cover issues like termite infestation or problems caused by various rodents and insects. Take precautions so you will not have an issue like this that could cost you large amounts of money.

Sewer Issues

If you have a sewer system in your home, you need to be well aware that your typical home insurance policy probably does not cover issues resulting from the sewer backing up. Take the necessary precautions to avoid unpleasant problems that could result from a sewer backup.

Check on your policy to see what exactly it covers. Review that information, and make any changes to your insurance coverage based on what you find out. For example, consider purchasing flood insurance if you do not already have it. If you need more information about home insurance, we’re happy to help. Contact Epic Insurance serving Lees Summit, MO today.

What Is Covered Under a Home Insurance Policy?

In the event that your home or property is damaged or destroyed, homeowners insurance will provide you with financial protection. Homeowners insurance will also come in handy in the event that you or a family member are held liable for damage to the property of another person or the injury of another person. The vast majority of mortgage lenders in Lees Summit, MO require homeowners to have a home insurance policy like that offered by Epic Insurance.

What Is Covered Under a Home Insurance Policy?

The vast majority of home insurance policies will cover damage incurred by vandalism, theft, fire, lightning, windstorms, hail, and other perils. Certain homeowners policies cover more perils that are typically excluded, such as earthquakes and floods. You have the option of purchasing supplemental insurance for perils that aren’t covered.

What Do Most Home Insurance Policies Provide?

  • Dwelling coverage – In the event that your home is damaged or destroyed, dwelling coverage will pay to rebuild or repair your home. This includes heating and air conditioning, electrical wiring, and plumbing. The damage or destruction has to be the result of a cause of loss that is covered.
  • Other structures coverage – Other structures coverage will pay for damages to fences, garages, cottages, sheds, and other detached structures.
  • Personal property coverage –  This coverage will reimburse you for any personal items in your home that have been damaged or destroyed by a cause of loss that is covered. Some examples of personal items include electronics, furniture, sporting goods, and clothes.
  • Loss of use coverage – While your home is being restored, loss of use coverage will pay for your living expenses and additional housing.

For more information about what is covered under a home insurance policy in Lees Summit, MO, feel free to reach out to us here at Epic Insurance.

Is It Time To Update Your Homeowners Policy?

Lenders require homeowners to carry an insurance policy to protect their interest in the event of a loss. The State of Missouri doesn’t force you to buy coverage, although it definitely provides a sense of financial security. But what type of policy and how much coverage can be a gray area for many homeowners. Our Epic Insurance professionals are here to help people in the Lees Summit, MO community. We’re available to answer questions and will work with you to update a policy to reflect your current coverage needs.

The True Cost of Rebuilding

It seems logical to carry replacement coverage in the amount of a home’s value. Unfortunately, there is no one-to-one cost basis. Homes depreciate over time and the real estate market rises and falls. Just consider property values before and after the last housing market crisis.

Construction is determined by a separate set of factors that include the price of materials, cost of labor and regulations, among other things. To rebuild a home after a total loss could cost upwards of $150 per square foot. That number doesn’t include demolition, debris removal and permitting. Older homes and those with high-end design, woodworking and materials require the workmanship of skilled craftsman and expensive products. If you want to restore your home to its original luster, that could far exceed $150 per square foot.

Assets Evaluation

When it comes time to renew your policy, take time to make an inventory of the assets you’ve accumulated. Many policies cover personal items on a percentage basis of the home’s value. But as you acquire high-end items, that coverage may be insufficient. Tally up what you own and go over it with your agent. Don’t get caught underinsured.

Epic Insurance proudly serves the people of Lees Summit, MO. Our insurance professionals are available to review and update your homeowners policy to ensure it provides you with secure coverage.

Fall Safety Checklist for Your Home

Fall is here ad it is the perfect time of year to get your home ready for the cooler months ahead.  This can be one of the busiest times of year for homeowners who want to take advantage of moderate weather to take care of any damage or issues with their homes before that first frost comes in. 

Let’s talk about exterior maintenance. 

Check the foundation of your home for any visible cracks and make sure to caulk all of the areas where siding meets masonry.  You should also do this where ever wires or pipes enter the building as well as around the door frames and windows in order to keep heat from leaking out.  This is one of the less expensive maintenance chores that most people can handle themselves.  If there are any sorts of openings in the building, water can actually get inside and even freeze.  This leads to more cracks and can even lead to the buildup of mold.  Carefully checking the outside of your home and completing this inexpensive maintenance can end up saving you thousands of dollars in the end.

Install storm doors and windows and remove the screens.  Before you store those screens, clean and repair them and them spray them down with a protective coating.  Then just place them in a dry part of your garage or basement.

Inspect the walls outside of your home to check for blistering or peeling paint.  If you have this showing on your home or siding, it is a signal that the paint is no longer able to protect the surface that it is on.  If not corrected, it can lead to the deterioration of the building or siding and end up costing you a lot more than repainting it now would.

For more on this and to make sure that your home insurance is up to date, call your Lees Summit, MO branch of Epic Insurance now.

 

Using Home Insurance to Your Advantage: What to Remember

In Lees Summit, MO there are a variety of ways that you can keep yourself and your family safe, but home insurance may be one of the top ways to protect your legacy — even if it that’s not how you see it now. Epic Insurance wants you to know more about how you can make it work for you. 

Safety First 

Making protection one of your priorities means keeping what you’ve built for both yourself and your family from a variety of harmful events. When you have the right home insurance, you’re safeguarding the future. Getting coverage that will keep the investments that you’ve made today from natural disasters, and man-made ones alike is a smart decision that too often homeowners dismiss as too expensive. Just one major event can bankrupt a family, and force everyone to change their expectations and hopes for the future. 

Finding Your Rock 

There are many choices available today to make when it comes to finding the right partner for home insurance. But there are also many companies out there who won’t be able to take the time to truly answer your questions, and may just leave you feeling more frustrated about the process than ever. To get the most out of your home insurance, you need to find a staff that’s reliable enough to both set you up with a policy that will include everything you need, and will also be there for you when you need them the most. 

Epic Insurance 

Our staff is here to ensure that you get the service you need when you need it. Give us a call to learn more about our rates, and how we’ve helped the people of Lees Summit lead better lives. When something goes wrong, whether it’s a tree branch falling on a roof or water damage in the basement, we’re here to help you. Learn more today. 

Protect Your Valuables With These Packing Tips

There’s nothing worse than opening up a box you just moved into a new home, only to find it full of porcelain dust and smashed debris. Not only did valuables perish in the move but you put in the extra time and backbreaking effort to move the material. At Epic Insurance, we want to keep all of your valuables safe. So, whether moving from Lees Summit, MO, moving away from it or anywhere else in the world, there are some options available for protecting your valuables. Here are some tips. 

High Value Inventory Form

If you decide to hire a moving company, fill out a high value inventory form before starting. Anything valued at over $100, you should include on the form. This way, the moving company understands valuables are present in particular boxes. It also gives you a bit more leeway when working with the company after the move. Should something break despite all your forewarning, this documentation helps you reclaim the worth of your valuables. 

Wrap Every Piece

Yes, wrapping every single piece of China is time consuming, but it is better than opening the box up to broken pieces of China. Wrap everything in bubble wrap, or if you are on a budget, with clothing. Mixing valuable, breakable material with clothing (without metal buttons or zippers) can help pack two different items at the same time. 

Label Your Valuables

You’re moving dozens of boxes (if not more) over the course of your move. It is easy to forget which box is which. To avoid this, simply mark all of your boxes and make sure to clearly label your valuable boxes. If you don’t want to write "Valuable" or "Fragile" on the box, just use a bright yellow sticker so you automatically know what is in it. 

Shop for a Renters Insurance Policy That Suits You

Sharing an apartment with a roommate is an excellent way to save money. Along with splitting your monthly rent, you can also go in together on big purchases, like getting a television, couch and coffee table. There is one thing, however, that you shouldn’t purchase with your roommate: renters insurance.

You Need Your Own Renters Insurance

In most situations, roommates can’t purchase renters insurance together. Even if you are able to buy coverage with your roommate, you should avoid it.

You and your roommate have different insurance needs. You should shop around for a policy that meets your needs, not those of your roommate. Going in together on renters insurance, if you’re even able to, would only save you a few dollars a month, and you might not get the best coverage for yourself.

We Can Help You Find Renters Insurance

Shopping around for a renters insurance policy that matches up with your individual needs isn’t difficult if you have the help of an independent insurance agent. If you rent an apartment in Lees Summit, MO, an independent agent who is licensed in Missouri can help you assess your insurance needs and find a policy that provides the coverage you should have.

If you don’t have an independent insurance agent who can help you find a renters insurance policy, contact us at Epic Insurance, LLC. We have many independent insurance agents who are ready to help you. Our agents will carefully review what levels of coverage you’re looking for, and then they’ll find you the best rates for those coverages. Because our agents work for you, you’ll know you’re getting a policy that perfectly matches your needs.

To reach our agents, contact us through our website. We’re easy to reach, and our agents are ready to help you.

 

Smoke and Fire Damage: Protect Your Assets with Homeowners Insurance

Come rain or shine, living in Lees Summit, MO is pretty hard to beat. From Legacy Park to Longview Lake, there is plenty to enjoy in the area. Homeowners here also get to say that they own property in one of the 100 best cities to live in the US. But even the most organized homeowner in the community cannot predict when disaster will strike.

Protect Your Home from Fire and Smoke Damage

The best way to keep your home, family and other assets safe when disaster strikes is to invest in a great homeowners insurance policy. Although most lenders require you to have the state minimum level of insurance before you can close on a home that doesn’t mean it’s the right policy for you.

At Epic Insurance, we want to make sure every member of our community is protected from the worst that life can throw at them. Our local, independent agents can work with you to find the right level of protection to fit your needs and your budget. We will work to help you shop for and compare quotes from major national providers to make sure that you are protected in case of a fire.

Get a Quote Today

As your local insurance agents, we’ve made shopping for and comparing insurance quotes quick and easy. We believe that getting the most comprehensive and affordable policy doesn’t have to be a headache. Simply visit us online today to compare quotes in just minutes.

Your family and your assets can easily be protected when you invest in a policy that has you covered. Don’t get caught without the right level of protection when disaster strikes. Visit us online today to find a policy that can help put out any fire.

Top 5 Ways Homeowner’s Insurance Will Cover A Broken Window

Blue Springs, MO is within the Kansas City metropolitan area. It is known for such things as the world’s shortest St. Patrick’s Day parade, several different farmer’s markets, and other events. Jackson County parks and recreation has a lot to offer for outdoor fun for the whole family, attracting people from around the country.

When you’re in Blue Springs, you have to look at homeowners insurance and how you’re protected. If you have a broken window, you want the insurance company to pay for the replacement so you don’t have to.

The insurance company may or may not pay. It all depends on the level of coverage you have on your policy. This means you will want to think about making sure coverage is there so you don’t have to wonder whether they will pay or not.

The top five instances of a broken window that will be covered on homeowner’s insurance include:

– Hail

– Tree from a storm

– A burglary

– A fire

– A natural disaster

There’s no way of knowing what could happen to your home. Tornados, earthquakes, and even floods have been known to hit Blue Springs, MO and you want to be covered. Any number of these can cause a broken window and require a replacement.

We have agents who can talk to you about a homeowner’s insurance policy and what your coverage options are. We’ll help to read the fine print of the policies and make comparisons between the different companies in the area. We’ll also get quotes so you can see the costs for a policy from the different companies and this allows you to find an affordable policy.

Contact us today and one of our agents will work with you to get quotes on homeowner’s insurance.