Personal Insurance
Understand what your homeowners policy actually covers before you need it.
A review of your homeowners policy, including dwelling coverage, deductibles, and what standard policies typically exclude.
No obligation. Starting a review does not change or bind any coverage.
What's going on
Most homeowners bought their policy once, at closing, and haven't looked at it since. If your home's value has changed, you've done renovations, your rates increased, or you're not sure what your policy actually excludes, this is where to start.
Why it matters
A homeowners policy is built around a dwelling coverage limit, a deductible, and a list of covered perils, and standard policies leave out some things people assume are included — flood and earthquake among them. Understanding what is in and out of your policy is the first step before comparing options.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
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Does your dwelling limit reflect current rebuilding costs?
Construction costs change. A limit set when you bought the policy may not match what it would cost to rebuild today.
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What's your deductible, and is it flat or percentage-based?
Many Missouri homeowners policies carry a separate wind and hail deductible calculated as a percentage of the dwelling limit rather than a flat dollar figure. Knowing which applies to your policy matters.
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Is flood coverage excluded?
Flood is excluded from standard homeowners policies. If your property is near water or in a flood-prone area, flood insurance is a separate policy worth discussing.
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Is earthquake coverage excluded?
Earthquake is excluded from standard policies and is written separately. Missouri's significant seismic risk sits in the southeast, several hundred miles from Kansas City, so premiums here are usually modest — which is exactly why it is worth asking what it would cost rather than assuming.
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What does your policy cover for personal property and liability?
Beyond the structure itself, your policy sets separate limits for belongings and for liability if someone is injured on your property. Both are worth reviewing on their own.
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Have you made any major renovations?
An addition, a finished basement, or a new roof can all affect what your dwelling coverage should reflect.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
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A policy that hadn't been touched since closing
A homeowner in Independence had carried the same policy for over a decade without any changes. A review turned up a dwelling limit that no longer matched current rebuilding costs in the area.
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Assuming flood was included
A homeowner near a Kansas City area creek assumed their standard policy covered flooding. It didn't. Discussing the exclusion led to a conversation about whether separate flood coverage made sense for their situation.
We Learn. We Compare. We Explain. You Decide.
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We Learn
We ask questions about your situation and the insurance you currently carry.
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We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
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We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
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You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More personal coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.