If your home is damaged or destroyed homeowners insurance will pay to repair it or rebuild it.


having the best possible insurance doesn't have to break the bank

security discounts

Station reporting alarm systems protect your home and make you eligible for additional savings.


Multi Policy Savings

Take advantage of multi policy discounts when you bundle your all of your policies with the same insurance company.


Claims Free Benefits

Proper maintenance helps homeowners enjoy claims free benefits by lowering the chance of a loss.


Common Coverages

These are basic coverages found on most home insurance policies 

Dwelling Coverage A — this covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw materials and labor and supply and demand. A replacement cost analysis will be done of your home to determine the actual cost of rebuilding your house.
Other Structures Coverage B - Coverage for repairs or replacement of things that are not attached to your home like fences, sheds, gazebos etc. This is typically 10% of the Dwelling coverage amount however if more coverage is needed it can be increased..
Personal Property Coverage C- This provides coverage for your personal belongings. It is recommended that personal property coverage be replacement cost to avoid having depreciation values applied. It typically excludes earthquakes and flooding. A proper evaluation of your things should be done using a Home Inventory checklist or app.
Loss of Use Coverage D- Should your home become unoccupyable due to a covered loss, loss of use provides payment so that you can stay somewhere else while your home is being repaired or rebuilt.
Personal Liability Coverage E - Provides financial help for costs associated with bodily injury or property damage suites. Liability covers you no matter where you are in the world. Limits should be high enough to cover your assets should you face a lawsuit and have that backed by an umbrella policy.
Equipment Breakdown - Sometimes referred to as boiler and machinery insurance, or mechanical breakdown insurance, equipment breakdown insurance helps cover: The cost to repair or replace damaged equipment, including time and labor Lost income, Spoiled inventory, Necessary expenses incurred during the restoration period.
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What About Animals

Coverage for animal liability is optional.  Not all insurance companies offer it. 

The best option is always to provide a copy of your current policy declarations page and last 3 years of loss history reports obtained from your current insurance company.

At K.S. Pacific we are Insurance Brokers.  We can help you shop your policy with mutilple insurance companies and compare quotes.  We can help you bundle your policies so that you get the most savings available to you.

The Insurance Company will run a replacement cost analysis report on your home to determine the correct amount it would cost to rebuild your home in the event of a total loss.

Homeowners insurance does not provide coverage for flood or earthquakes.  Both of those policies can be purchased separately.

Mortgage Protection can be purchased as an endorsement or "rider". Not all insurance companies offer this endorsement.  Check with your agent or broker before you purchase a policy.

Need any help!

K.S. Pacific Insurance is proud to be able to help homeowners find the right insurance for their lifestyle. If there is any thing we can do to help you, we are just a message away.

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