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Midwest Professional Insurance

4037 Central St
Kansas City, MO 64111

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Kansas Homeowners with home insurance coverage

Home Insurance

A home insurance policy is one of the most powerful financial strategies as it protects your most valuable asset - your home. It cushions you during harsh financial situations that can result from accidents, legal responsibility, or property damage. Even your dearest pet is covered. If you just bought a home in, you might need the help of an insurance expert at Midwest Professional Insurance to help you understand the coverages and the amount you will need depending on various factors.

What is covered by a home insurance policy?

Home insurance covers a wide range of catastrophes that could befall your home. With home insurance, you sleep peacefully knowing that you, your family, and the entire house are covered from various perils like fire, lightning, explosion, theft, and many others. While there are other additional coverages, the standard homeowner insurance provides enough coverage for your entire home. They include:

  • Personal belongings coverage
  • Coverage for the building structure
  • Liability protection
  • Additional living expenses coverage

How are rates determined?

Many home insurance buyers like to know how their insurance premiums are calculated and determined. The truth is, the insurance industry is never a one size fits all kind of business. With that said, there are several factors that your insurance company will check in order to determine your rates. In most cases, these factors either lower your premiums or raise them. Some of these factors include:

  • The age of the house
  • The neighborhood (whether it is safe from floods, theft and other calamities)
  • The number of people living in the house
  • The size of the home
  • Construction materials (durable or non-durable)
  • And whether there are other structures like swimming pools, security systems, and many more.

Keep in mind that your insurance rateswill depend on the value of the house + the value of your personal belongings. Get the most out of your coverage when you shop your insurance with Midwest Professional Insurance. To compare home insurance quotes instantly, use the quoter on our website, or feel free to email us or call us to speak with a representative.

Servicing States

  • Kansas
  • Missouri
  • Illinois
  • Colorado
  • Idaho
  • Texas
  • Louisiana
  • Oregon
  • Florida
  • North Carolina
  • Tennessee
  • Nevada


Partner Carriers

  • Ace
  • American Modern
  • Bristol West
  • Chubb
  • Condon Skelly
  • Encompass
  • Foremost
  • Hagerty
  • Kemper
  • Liberty Mutual
  • Markel
  • MetLife
  • Nationwide
  • Progressive
  • Safeco
  • The Hartford
  • Travelers