Homeowners Insurance
Your home is your biggest investment. We'll make sure it's protected against storms, theft, liability, and everything in between.
Why You Need Homeowners Insurance
- Dwelling & personal property coverage
- Liability protection
- Additional living expenses if you're displaced
- Kansas tornado & Texas hail coverage
State-specific tip: Kansas tornado season (March–June) and Texas hail storms make adequate dwelling coverage essential. We ensure your policy reflects current rebuilding costs.
What’s Covered — FAQ
Yes! Standard homeowners policies cover wind damage including tornadoes. However, you may want to review your deductible and ensure adequate coverage limits.
Standard homeowners policies don't cover floods. We can add a separate flood insurance policy if you're in a flood-prone area.
Bundling with auto, raising your deductible, installing security systems, and maintaining good credit can all lower your rate.
Get Your Free Quote
Let’s find you the right coverage at the right price.
Why Wesley K. Smith?
Wesley K. Smith
- 30+ carriers — best rate guaranteed
- Local agent who knows your name
- Claims advocacy on your behalf
- 40 years of experience
National 1-800 Carriers
- ✕ One carrier — take it or leave it
- ✕ Call center, different person every time
- ✕ You’re on your own with claims
- ✕ No local presence or accountability