Buying a home in the Garden City area is exciting, but at the same time detailed and time consuming. Protecting that home requires the same commitment to detail and attention. Homeowners insurance can provide protection for damage or loss to your personal property and the structure of your home. There are multiple types of policies and even more optional coverages. Meet with a licensed and experienced insurance agent from Keats Insurance Agency in Garden City and find out what type of home insurance best fits your needs.
The Value of a Good Insurance Agent
The Keats Insurance Agency can match you with insurance agents who are specialized in the property and home insurance industry. Our agents will give you a choice between coverage options and price points. They have many carrier relationships and vast knowledge of the market, so they know how to find a better value for your money than you might find searching on your own. An agent is your personal adviser, one who takes the time to listen to you and understand your personal needs. At Keats Insurance Agencies, we aren’t just focused on finding a price you can afford; we’re dedicated to making sure that you are properly covered.
Basic vs. Extra Coverage
Basic homeowners insurance typically takes care of a handful of perils such as fire, wind, hail and smoke. It also covers your belongings, but the items inside your house are only covered for depreciated value. Extra coverage comes with better policies and can cover for added perils such as water back up through sewer systems, damage from a pipe break or toilet overflow. Even more coverage is affordable through policy options.
We offer policies that include Replacement Cost on Contents and guaranteed Replacement Cost for the structures. Replacement Cost Coverage is the amount of money it would take to replace your damaged property with something that is exactly the same or similar in the current market without being subject to depreciation. Both very important options to be aware of and consider for your policy.
Call Us Today
The Keats Insurance Agencies have an established relationships with major insurance carriers as well as smaller and more regional carriers. We use these relationships to find you the best quotes and services. We make the buying experience easy and make sure the policies are cost-effective without sacrificing proper protection. It’s our goal to handle your insurance as if it was our own. Contact us today to find the best insurance policy to fit your lifestyle.