Whether you live in the ideal beginning home, a custom-built dream home, or anywhere in the between, one thing is certain: you want to safeguard the life you’ve established there. Your house is a significant investment, but it’s also where you raise a family and make lifelong memories.

From homeowner’s insurance to renter’s insurance, D. King Agency has plenty of options when it comes to giving you peace of mind about your living space. Tornadoes, fires, and other natural disasters can leave you feeling helpless. Get extensive coverage that will take care of you as you piece together your next steps. From break-ins to visitors having an accident on your property, we’ve got your back.

Homeowners insurance typically covers:
  • the actual structure of your home and anything attached, like your garage
  • other structures on your property
  • personal possessions inside the home such as furniture, appliances and clothing
  • personal liability claims like bodily injury or personal property damage sustained by someone while at your home
And that's not all. Most homeowner's policies include invaluable benefits like open perils coverage that protects against fire, lightning, wind and other specific causes of damage or loss. And should you ever need it, Loss of Use Coverage is also included in your homeowner's policy to help you pay for additional expenses incurred if your home is damaged or destroyed in a covered loss and you have to move temporarily.
The type and amount of coverage you need depends on:
  • the type of home you live in
  • the value of your home
  • the value of your other assets
  • whether or not you have a mortgage on your property
  • the cost to rebuild should you ever suffer a covered loss
Life happens and your needs are constantly changing. To make sure your home is properly protected, we always recommend evaluating your coverage needs on a regular basis.
And with D King Agency, there’s no need to stress over the cost of rebuilding your home. Our Home Rebuilding Cost Calculator allows us to do the work for you. Here’s how it works: simply call for a quote, provide us with some basic information about your home, and we provide you with the cost to rebuild your house. It’s as simple as that.
The first priority of D King Agency is to protect your home and your property. With just a few simple steps, you can increase the safety and security of your home, and in some cases, lower your home insurance premium. Here are some of our favorite money-saving products and ideas:
  • Security systems
  • Smoke alarms
  • Sprinkler systems
  • Deadbolt locks
Personal liability coverage is a standard part of most home insurance policies. It provides protection from those who experience bodily injury or personal property damages while visiting your home. Think of it this way: if someone falls and breaks a leg on your stairs, you could be financially liable. A few dollars a month can essentially prevent financial disaster down the road.
However, most child coverages aren’t large enough to begin with (maximum benefit is typical $25,000), and they aren’t supporting a family financially, so none depends on them. Besides, cases for a child’s death are very slim, statistically, and although it may be the most tragic experience, life insurance won’t really help.

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