Home Insurance

Variables To Consider During The Winter For Your Home Insurance Policy

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DJ Kauffman Insurance assists the Hutchinson, KS community by offering residents multiple types of insurance policies. We strive to help our clients find the right coverage for their situation. As an independent agency, we have established successful relationships with several carriers in the region. This allows us to help our clients find custom policies.

Variables To Think About During The Winter Concerning Your Home Insurance

Your home is one of your most prized possessions. That’s why it is important that you have the necessary protection to cover you in any situation. Home insurance covers your home if it is damaged or vandalized. The policy is a huge asset during Winters in Kansas, where a blizzard can cause serious damage. While you are making plans for the Winter, here are some variables to consider.

It’s important that you shovel the snow regularly around your home to prevent a potential liability situation. During the Winter, the concrete is normally slippery, which increases the likelihood that someone may slip and fall on your property. By maintaining the exterior of your home, you decrease the risk of someone getting injured.  

Winter may also cause some of your pipes to burst, which may cause serious damage to your home. To prevent the pipes from bursting, make sure that your home is well insulated. Another severe issue during Winter is the presence of strong winds. Make sure that you take anything that you have outdoors and store it somewhere safe. Secure your gutters and cut the trees around your home. Wind storms during the Winter have the potential to cause serious damage to your home. That’s why it is so important to prepare. Ice dams also have the ability to cause problems, so make sure that you monitor the amount of snow on your roof.

DJ Kauffman Insurance Will Help You Protect Your Family And Possessions

Visit our office in Hutchinson, KS or our website today to learn more information about home insurance.

Tips on Purchasing Homeowner Coverage in Hutchinson, KS

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Living in Kansas means you’ll experience all four seasons. However, that also means that, as a homeowner, you also have to pay attention to harsh weather changes as well. The tornadoes, the blizzards, and the hailstorms will make appearances throughout the year. What does this mean for the home insurance you need to purchase? 

At DJ Kauffman Agency Inc., we are based in Hutchison, KS, and are an independent agency. We have been serving the local community with home insurance coverage options since 2011. With a team that has a passion for making sure the clients are provided with the best insurance policy that is most beneficial for them. Now when it comes to deciding on what coverage is best for you, this can depend on which area of the state you live. 

Many people choose to live in rural areas for space, the mellow-pace environment, and the peace of the country. To live in a rural area means you are highly susceptible to weather damage and especially to your home. With your homeowner’s insurance coverage, it is vital to work with an agent that helps you find a policy that protects your family, your personal belongings, and provides as much medical assistance as possible. 

Living in the city does not mean you are immune to weather damage at all. However, there is a little difference. Due to property crime being a bit more common in this area, you also want a policy that can protect you and your family against various vandalism. Options such as security systems, cameras, etc., are all great to try and have benefits within your home insurance policy in some way as well. 

Would you like to set a consultation meeting up with one of our agents and discuss your home insurance? Contact our office in Hutchison, KS to speak with our team about your needs. We will be happy to answer your questions and get you a quote.

What Could Happen if I don’t have Commercial Insurance

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Becoming the owner of a business is a dream that many people have. For those that are in the Hutchinson, KS area, there are plenty of opportunities to grow any company. To make sure that your company is well protected, you need to make sure that you have a quality commercial insurance policy in place. Several things could occur if you do not have commercial insurance for your company.

Lose Assets

One risk that you are taking if you do not have commercial insurance would be you could lose your business assets. When you are first starting a business, you likely will need to spend a lot of money investing in inventory, equipment, and other assets. Losing these to fire, vandalism, weather damage, or another type of loss could be devastating. A commercial insurance policy will provide you with protection for all of these valuable assets.

Liability Risk

No matter what type of business you are in, you are taking liability risk whenever you sell a product or service. If you do not have commercial insurance, this will leave you wholly unprotected against this risk. If you end up being found liable for something that causes damage, you could end up facing a severe financial crisis without insurance.

Ultimately, having commercial insurance is something that can be very beneficial for any business. When you are looking to get commercial insurance for your Hutchinson, KS business, you should contact DJ Kauffman Agency Inc. The professionals at DJ Kauffman Agency Inc. will be able to help you build an excellent commercial insurance policy that provides the right type and level of protection. This could prove to be a significant investment as it will protect your company in many different ways.