Blog
Insurance, explained without the acronyms
Four long reads on the things Kansas City households actually get wrong: percentage deductibles, teen driver rates, life insurance math and rebuild costs.
HomeAutoLife
Latest from the office
Written by the agents who answer the phone here, not by a content agency.
Short answers in the FAQ
Home6 min readWhat a percentage hail deductible really costs a Kansas City homeownerAlmost every homeowners policy written in this metro now carries a separate wind and hail deductible set as a share of your dwelling limit. Here is how to convert it into a dollar figure before a storm does it for you.Read the article 
Auto7 minAdding a teen driver without doubling your auto premiumThe price gap between carriers for a household with a 16-year-old is the widest we see anywhere in the metro. Here is what moves the number and what to do six months before the license arrives.
Life6 minHow much life insurance do you actually need? A worksheet, not a rule of thumbTen times income is a slogan, not a calculation. Here is the arithmetic we use with Kansas City families, and the three places people get it wrong.
Home6 minYour house is probably insured for what you paid, not what it costs to rebuildPurchase price includes land and neighborhood. Rebuild cost includes labor, materials and code upgrades. In Kansas City's older neighborhoods the gap runs both directions, and it is rarely small.Reading is good. A review is better.
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.