Home Insurance

Protect your single biggest investment with O’Malley-Boldt Financial.

For most people, their home is their single most significant investment. And since every home is different, it’s important you partner with the right agency to help protect your home and family.

What Does My Homeowners Policy Cover?

Your homeowner’s policy provides protection for you and your family against a multitude of perils. This includes personal litigation, weather catastrophes, theft, and vandalism protection.

A standard homeowners insurance policy will provide the following coverage:

• Dwellings and Other Structures (such as a shed or detached garage).
• Personal Liability- Coverage if someone is injured at your home or you cause property damage to others.
• Personal Property- Coverage for your household contents and personal belongings.
• Loss of Use- Covers living expenses over and above your regular living expenses if you cannot live in your home while repairs are made.

In Kansas and Missouri, home insurance rates are more affected by wind and hail claims than any other peril. This is why insureds who have new homes,  or older houses with new roofs, can enjoy significantly lower rates and deductibles.

Being an independent agent (broker) allows us to shop the market to find you the best company and pricing for your home and specific risk. Dwelling coverage, deductibles, and wind & hail payouts can vary dramatically from company to company. This includes coverage for buried utility lines, earthquake insurance, and water backup endorsements. We take the time to find the best coverage and rate for you, ensuring you have exactly what you need when you need it. We believe RISK is REAL! Protecting our clients from the reality of that RISK is our only job!

*Please remember every policy contains exclusions. We recommend you speak with one of our knowledgeable agents to learn about exclusions and how they might affect your coverage.