Homeowners’ Insurance

Safeguard Your Home

Your home holds your family’s memories and your most significant investment. Guerra Insurance helps Wichita families protect themselves with homeowners’ insurance that works when they need it most.

Kansas weather can damage roofs and ruin basements. Tornadoes tear through neighborhoods in minutes. Hailstorms crack windows and dent siding. You need coverage tailored to Kansas risks, not generic policies written in a corporate office.

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(316) 633-3567

Homeowners Insurance Coverage

Your homeowners’ policy protects four main areas.

Dwelling Coverage

Your home’s structure is the heart of your investment. Dwelling coverage pays to rebuild after fire, tornado, hail, or wind damage—from the foundation to the roof. If a tornado destroys your house, this protection helps you start fresh.

Personal Property Coverage

The things inside your home make it feel like yours. Personal property coverage replaces furniture, clothes, electronics, and kitchen appliances if they’re damaged or stolen. Even items you take outside your home may qualify for coverage.

Liability Protection

Accidents can be costly. Liability protection steps in if someone gets hurt on your property or if you accidentally damage someone else’s property. It covers legal fees and medical bills so one lawsuit doesn’t drain your savings.

Additional Living Expenses

When damage forces you out, this coverage keeps you going. Additional living expenses pay for hotels, meals, and temporary housing while your home is being repaired—so your family stays safe and comfortable during a tough time.

Why Independent Agents Make the Difference

Most insurance agents work for one company. They sell you what that company offers and nothing else. Guerra Insurance works as an independent broker, shopping multiple insurance carriers on your behalf.

When you call a national insurance company, you talk to someone in a call center three states away. They’ve never been to Wichita. They don’t know which neighborhoods flood or where hail hits hardest.

Guerra Insurance lives in the same communities we serve. We are familiar with Kansas weather patterns and understand local property values. When severe storms hit Sedgwick County, we deal with the same damage you do.

We explain coverage in plain English or Spanish. No insurance jargon. No hidden fees. Just honest guidance that helps you protect your family.

Homeowners’ Insurance

Your family’s safety means more than protecting your investment. Your home holds memories, security, and your biggest financial commitment.

Coverage Highlights

Dwelling coverage up to full replacement cost
Personal property protection for belongings
Liability coverage if someone gets hurt on your property
Additional living expenses if you need temporary housing

Guerra Insurance helps you understand what coverage fits your home and budget.

Get a Home Quote

Renters Insurance

Your landlord’s policy covers the building — not your belongings. Renters insurance protects you from fire, theft, vandalism, and tornado damage, and includes liability coverage if someone gets hurt or you cause damage.

Coverage Highlights

Personal property protection
Liability up to $100,000 (often required by Wichita landlords)
Additional living expenses if your rental becomes unlivable

Guerra Insurance helps you meet lease requirements and stay protected with coverage that fits your budget.

Get a Renters’ Quote

Landlord Insurance

Standard homeowners’ insurance doesn’t cover rental properties. Landlord insurance is designed for investment property, protecting your building and income from tornadoes, fire, hail, and vandalism — the major risks Kansas landlords face.

Coverage Highlights

Property and liability protection
Lost rental income during repairs
Optional vacant property coverage

Your tenants’ belongings aren’t covered — they’ll need renters insurance. Guerra Insurance can help make sure everyone’s protected.

Get a Landlord Quote

How Guerra Insurance Protects You

We shop multiple insurance carriers to find the right balance between affordable rates and solid protection. The cheapest policy might save money today, but it costs thousands when you need it most.

You get honest advice from people who live here and care about your family’s protection. We build relationships that last years, not just sell policies and disappear.

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Frequently Asked Questions About Home Insurance in Wichita

Your dwelling coverage should match the cost to rebuild your home completely, not your home’s market value or what you paid for it. Construction costs keep rising, so many families need more coverage than they think. Guerra Insurance helps you calculate the correct amount based on your home’s square footage, construction type, and special features. We ensure you have enough coverage to rebuild if a tornado or fire destroys your house.

Your home’s age and construction type matter. Newer homes with modern wiring and plumbing cost less to insure than older homes. Your roof’s age and condition significantly impact rates since Kansas’ hail often damages many roofs. Your claims history over the past five years affects pricing. Filing multiple claims within a short period of time can result in an increase in your premium. Your credit score influences rates in Kansas. Insurance companies use credit-based insurance scores to help set premiums. The specific coverage limits and deductibles you choose change your rates. Higher deductibles lower your monthly premium, but increase what you pay out of pocket during claims.

Standard homeowners’ policies exclude flood damage entirely. Approximately 11% of Wichita properties are at severe risk of flooding over the next 30 years. Even if you’re not in a designated flood zone, Kansas storms can cause flooding. Mortgage lenders require flood insurance for homes in high-risk flood zones. We help determine if flood coverage makes sense for your location and risk level.

Actual cash value pays what your damaged items were worth at the time of loss, accounting for age and wear. A ten-year-old refrigerator might only be worth $150 as actual cash value. Replacement cost pays to buy brand new replacements. That same refrigerator would cost $800 to replace with a new one. Replacement cost coverage costs more monthly but protects you much better when you file claims. Most families benefit from replacement cost coverage on their dwelling and personal property.

Review your coverage annually or whenever significant changes occur. Your home’s value changes. Construction costs rise. You might have added a deck or finished your basement. You buy expensive electronics or jewelry that need additional coverage. Guerra Insurance recommends annual policy reviews to ensure your coverage remains adequate and you’re not paying for protection you don’t need.

Many Kansas families discover they’re underinsured only after filing a significant claim. If your dwelling coverage is too low, you’ll pay the difference out of pocket to rebuild your home. Some policies include coinsurance clauses that reduce your payout if you’re underinsured. If tornado damage costs $200,000 to repair but you only carry $150,000 in dwelling coverage, you’re responsible for that $50,000 gap. Guerra Insurance helps you avoid this situation by calculating proper coverage amounts from the start.

Bundling your homeowners and auto insurance with the same carrier can save 5-10% in many cases. You also get the convenience of one bill and one point of contact for both policies. Guerra Insurance compares bundling discounts across multiple insurance carriers. Sometimes, buying separate policies from different companies can save more than bundling, so we show you both options. We help you find the most cost-effective approach while maintaining the coverage you need.

Contact Guerra Insurance right away, even before you contact the insurance company. We guide you through the entire claims process. Take photos and videos of all damage before cleaning up or making temporary repairs. Save all receipts for emergency repairs and temporary housing costs. Don’t discard damaged items until the insurance adjuster has inspected them. Document everything. Keep a detailed list of damaged items with estimated values.

Kansas law allows insurance companies to use credit-based insurance scores when setting rates. These scores use information from your credit report but are calculated differently from traditional credit scores. Families with excellent credit can pay significantly less than families with poor credit for identical coverage. The difference can reach thousands of dollars per year. Improving your credit score over time can lower your insurance rates. Guerra Insurance finds you competitive rates regardless of your credit situation, shopping multiple carriers that weigh credit differently.

Flood damage never gets covered by standard policies. You need separate flood insurance. Earthquake damage requires a separate earthquake policy or endorsement. Intentional damage you cause isn’t covered. Normal wear and tear, maintenance issues, and mold growth from neglect aren’t covered. Damage from pests like termites or rodents typically isn’t covered. Some policies exclude or limit coverage for certain dog breeds. Business property and liability need separate business insurance. Guerra Insurance reviews these exclusions with you and recommends additional coverage when appropriate.

Filing multiple claims can increase your rates for years. Small claims that barely exceed your deductible often aren’t worth filing. If damage costs $2,000 to repair and your deductible is $1,500, filing that claim might cost you more in increased premiums over the next three years. Save claims for significant damage you can’t afford to repair yourself. Major tornado damage, house fires, and substantial theft losses warrant filing claims. Guerra Insurance helps you evaluate whether filing a specific claim makes financial sense before you contact the insurance company.

Kansas sits in Tornado Alley, which has an extremely high tornado risk. Standard homeowners’ policies cover tornado damage under wind coverage. Most Kansas policies include separate wind and hail deductibles, typically 1-2% of your dwelling coverage. After major tornado outbreaks, some insurance carriers stopped accepting new customers in affected areas or raised rates significantly. Having coverage in place before tornado season protects you. Guerra Insurance shops multiple carriers to find you tornado coverage at competitive rates.

Additional living expenses coverage (loss of use) pays for temporary housing, meals, and other costs when your home becomes uninhabitable. Most policies provide coverage equal to 20-30% of your dwelling coverage. If you carry $250,000 in dwelling coverage, you’d have $50,000 to $75,000 for living expenses. Consider how long repairs might take and where you’d stay. Families with pets or special needs might need higher limits. Guerra Insurance helps you determine appropriate living expenses coverage for your situation.

Creating a home inventory before disaster strikes makes filing claims much easier. Take photos or videos of every room in your home. Document expensive items with receipts, serial numbers, and appraisals. Store this inventory outside your house, in cloud storage or a safe deposit box. After a total loss, this documentation helps you remember everything you owned and proves the value to insurance adjusters. Guerra Insurance can provide home inventory worksheets to help you document your belongings systematically.