Severe thunderstorms and hail are common in Johnson County, so it is important to understand how your policy treats roof damage, wind, and hail. Some policies may include separate wind and hail deductibles or coverage limits. We can review your current home insurance and explain what is covered, what your deductibles mean, and whether additional protection makes sense for your property.

Most homeowners in Overland Park are not required by their lender to carry flood insurance, but certain properties near creeks or low-lying areas may fall within a FEMA-designated flood zone. Standard home insurance does not cover flood damage. If your home is in or near a higher-risk area, we can help you evaluate optional flood insurance through the National Flood Insurance Program or private carriers.

Kansas requires drivers to carry auto insurance with specific minimum liability limits, as well as personal injury protection (PIP) and uninsured/underinsured motorist coverage. Businesses may be required to carry certain policies, such as workers’ compensation or commercial auto, depending on their operations. We can walk through the Kansas requirements that apply to you and discuss whether higher limits would better protect your situation.

It is a good idea to review your insurance at least once a year, or any time you experience a major change—such as buying or selling a home, adding a driver, remodeling, starting a business, or sending a child to college. A quick annual review with a local Overland Park agent can help keep your coverage aligned with your current life and avoid gaps or outdated limits.

Yes. Many clients in Overland Park, KS come to us with existing policies and simply want a second opinion. We can compare your current coverage, limits, and deductibles with alternative options, explain the differences in plain language, and help you decide whether it makes sense to stay where you are or make a change.