Homeowner's Insurance

Whether you rent or own, your home is one of your most important assets. KGS Insurance can review your current coverage and offer the home policy tailored to suit your individual needs and budget.

Home policies include four essential coverages:

• Dwelling and Other Structures
• Personal Property
• Additional Living Expense incurred as part of a covered loss
• Liability and Medical Payments

Many options and endorsements are available to discuss and personalize.

Extra Features/ Endorsements of Coverage that are available:

• Sewer or Drain Back-up Coverage
• Dwelling and Other Structures Siding and/or Roofing Restoration Coverage
• Incidental Business Occupancy
• Earthquake coverage
• Sinkhole coverage
• Scheduled Personal Property
• Identity Recovery Coverage

Home discounts we offer include:

• New Home Discount
• Smoke and Burglar Alarm Discounts
• Multiple policy Discounts
• Sprinkler System Discount

Most home policies do not cover flood, earthquake, and water/sewer back-up unless you purchase them separately. KGS Insurance can offer you these separate coverages. We also provide a no-cost, updated re-construction value of your home to confirm you are insured at the proper amounts or limits. Some of our homeowner products include Guaranteed Replacement Cost on your home and all-risk coverage, broader protection, for your personal items.

Renters Policies:
So you do not own the building, but surely you have personal property near and dear to you.

If you have other families in your building and are concerned with displacement caused by others, additional living expense coverage on your renters insurance policy can help. This loss of use coverage will aid in a covered loss to help you and your family pay for shelter and food when your apartment is not habitable. How about liability coverage for you and your family that follows you anywhere?

**Did you know the multi-policy discount this offers on your auto policy could almost pay for cost of renters insurance? Renters Insurance is VERY affordable and a must-have if you rent your home. It's like getting two policies for the price of one- great peace of mind!

Condo Policies:
While condo policies cover your personal property like renters, they can also aid you when the master policy does not apply to parts of the building. You may be responsible for interior walls and building additions that you have made. This policy would cover in the event of a named peril loss.

Loss assessments may be your concern. You can add coverage to a condo policy if this is your concern. There are many other options and endorsements available. If you have other families in your building and are concerned with displacement caused by others, additional living expense coverage on your condo policy can help. This loss of use coverage will aid in a covered loss to help you and your family pay for shelter and food when your condo is not habitable.

How about liability coverage for you and your family that follows you anywhere? These policies also offer the multi-policy discount that aids you in paying the cost of this policy.

Mobile Homes:
These policies are designed to cover the building and personal property of a mobile or manufactured home. You can also add earthquake and additional living expense coverage for minimal cost.

• Multi-policy Discount
• Tie-Down Credit
• Smoke and Burglar Alarm Discounts

The policy can also include liability and medical payments coverage like a homeowner's policy.