Steven Kohnle Agency
Home, Renters
& Flood
Insurance
Protect your home, your belongings, and your peace of mind with coverage designed for homeowners and renters in the Kansas City Metro—offering reliable home, renters, and flood insurance built for real life.
SK
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Home Insurance
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You’ve just bought yourself your first home, it’s time to start thinking about Homeowners Insurance.
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The right coverage for the right amount is our goal. We need to ensure your family and assets are protected in-case of emergency or claim.
We Offer a wide Variety or Home Insurance Policies
- Homeowners
- Renters
- Mobile Home
- Condominium or Town-Home
- Extended Replacement cost coverage
- Replacement costs on contents coverage
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Homeowners Insurance Protects You in Cases of ..
- Dwelling Coverage protects the physical structure of your home, this includes but is not limited to roof, ceilings, garages, attached decks and more. Detached sheds and detached garages are not protected under dwelling coverage.
- Personal Property Coverage protects the items within your home, your personal belongings such as furniture, personal possessions, and things of value. Personal property coverage is set in place to help cover the cost of these items in case of fire, tornado, flooding & more.
- Family Liability Coverage helps cover you in the case that you or a family members is found legally responsible for a person’s injuries that were sustained while they were in your house or on your property. It also helps cover damage to their personal property during the duration of their stay.
- Guest Medical Protection is included on most residential insurance policies. This helps cover the cost of medical bills in the event someone is injured while in your house or on your property.
Your household can flood in many different ways, trust us, we’ve seen it happen, but please note that a basic home insurance policy DOES NOT cover a flood. If you house or property is located within a flood zone, most insurance companies will require you to carry flood insurance.
Umbrella Insurance supplements the liability coverage you already have with your auto and home policies, providing an extra layer of coverage.
Although a dog biting anyone should never be handled lightly, a dog’s bite is covered in your basic liability coverage. However, dogs that have a history of biting may be considered “vicious” and will be excluded from the coverage, or worse, be forced to be surrender to the city or state in which you live.
We all have a lot of stuff, and we continue to collect more and more over the years. Take pride in your belongings and take pride in the fact that you’ve worked hard to earn it all. You should ALWAYS take an inventory of your belongings in-case of an emergency and you need to file a claim. Make sure you store that .mp4 file in a safe place, print and store pictures of the bigger purchases, and keep calm knowing you and your family are in good hands.
Whenever you change something significant about your home or property or its contents, such as an addition, a major remodel or starting a home business, contact your local insurance agent so we can review your current coverage and ensure you’re protected.
A home warranty plan can help save your wallet or pocket book from costly home repairs and replacement of covered items such as heating, air conditioning, HVAC, plumbing, electrical and more.
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Flood Insurance
Did you know that in the event of a flood, your house, car, truck or motorcycle are NOT covers with your regular Home Insurance Policy? Flooding happens to be Americas #1 disaster. It can flood anywhere it rains, and if your house or property happens to be in a flood zone, consider the extra coverage to ease your mind.
National Flood Insurance Program (NFIP) policies can be purchased through thousands of insurance agents nationwide. The agent who helps you with your homeowners or renters insurance may also be able to help you with purchasing flood insurance. Here is a list of participating Write Your Own (WYO) companies.
- What You Should Know About Your Insurance:
- Does my community participate in the National Flood Insurance Program (NFIP)? Flood insurance from the NFIP is only available in participating communities, but most communities do participate. Your agent can tell you if your state and community participate, or you can look it up online in the Community Status Book.
- What flood zone do I live in? What is my property’s flood risk?
- It typically takes 30 days from the day you purchase flood insurance for the policy to go into effect. When purchasing a policy, ask your agent when coverage will start.
- Is flood insurance mandatory for my property?
- Do I qualify for a lower-cost Preferred Risk Policy (PRP)?
- Does my community participate in the NFIP’s Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
- Will the federal government back my flood insurance policy?
- How much coverage should I get for my building and for my contents?
- How can I reduce the cost of my flood insurance?
- Are there additional expenses or agency fees?
- Will my policy provide Replacement Cost Value or Actual Cash Value — and what’s the difference between the two?
- Who should I call if I have a flood claim?
Contents are not covered by a building/structure flood policy. To cover your belongings or contents within a building, you’ll need to add contents coverage to your existing building/structure policy.
- The cause of the flooding matters. Damage caused by a sewer backup is only covered by flood insurance if it’s a direct result of flooding; the damage is not covered if the backup is caused by some other problem.
- Contents and building coverage are purchased separately (for the Preferred Risk Policy, there’s an option for combination coverage for both contents and building coverage), but there are always separate deductibles. Unless you have contents coverage, your flood-damaged contents are not covered.
It may be a good idea to purchase coverage for the building (the structure) and its contents. Each has a deductible. Building coverage only covers the structure, so you should consider getting coverage for the items inside the property too (contents coverage).
- Examples of Building Coverage that are Included:
- The electrical and plumbing systems
- Furnaces, water heaters, heat pumps and sump pumps
- Refrigerators, cooking stoves and built-in appliances such as dishwashers
- Permanently installed carpeting over an unfinished floor
- Permanently installed paneling, wallboard, bookcases and cabinets. The damage must be directly caused by flood water. Cabinets that were not damaged by flood water are not covered, even if they match cabinets that were damaged by flood water.
- Window blinds
- Foundation walls, anchorage systems and staircases attached to the building. There is an exclusion for “loss caused directly by earth movement even if the earth movement is caused by flood.”
- A detached garage used for limited storage or parking. Up to 10 percent of the building coverage limit can be used, but will reduce the total amount of building coverage available.
- Cisterns and the water in them
- Fuel tanks and the fuel in them, solar energy equipment and well water tanks and pumps
- Examples of Contents Coverage that are Included
- Personal belongings such as clothing, furniture and electronic equipment
- Curtains
- Portable and window air conditioners (easily moved or relocated)
- Portable microwave ovens and portable dishwashers
- Carpets not included in building coverage (carpet installed over wood floors, etc.)
- Laundry washers and dryers
- Certain valuable items such as original artwork and furs (up to $2,500)
- Food freezers and the food in them (but not refrigerators)
- Damage caused by moisture, mildew or mold that could have been avoided by the property owner or which are not attributable to the flood
- Damage caused by earth movement, even if the earth movement is caused by flood
- Additional living expenses, such as temporary housing, while the building is being repaired or is unable to be occupied
- Loss of use or access to the insured property
- Financial losses caused by business interruption
- Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools
- Currency, precious metals and valuable papers such as stock certificates
- Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)
As with other insurance plans, a higher deductible will lower the premium you pay but will also reduce your claim payment, meaning you will need to cover the difference out of your own pocket. Sometimes a mortgage lender will set a maximum amount for your deductible.
Typically, there’s a 30-day waiting period from date of purchase until your policy goes into effect. Here are the exceptions:
- If a building is newly designated in the high-risk Special Flood Hazard Area (SFHA) and you purchase flood insurance within the 13-month period following a map revision, there is a 1-day waiting period.
- If you purchase flood insurance in connection with making, increasing, extending or renewing your mortgage loan, there is no waiting period.
- If you select additional insurance as an option on your insurance policy renewal bill, there is no waiting period.
- If a property is affected by flooding on burned federal land and the policy is purchased within 60 days of the fire-containment date, there may be no waiting period. Waiving of the waiting period is determined at the time of claim.
Your insurance agent may ask you for an Elevation Certificate (EC). This certificate verifies your building’s elevation compared to the estimated height floodwaters will reach in a major flood in a high-risk flood area.
A property owner in a high-risk flood area always has the right to purchase an EC, which may reduce your flood insurance premium. Please contact a licensed insurance agent for further information.
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Renters Insurance
The short answer is yes! It’s always a good idea to get the coverage you need in the event of an accident or damage to the property. Your Landlord insurance only covers the building itself, not your possessions.
- What You Should Know About Your Insurance:
- Does my community participate in the National Flood Insurance Program (NFIP)? Flood insurance from the NFIP is only available in participating communities, but most communities do participate. Your agent can tell you if your state and community participate, or you can look it up online in the Community Status Book.
- What flood zone do I live in? What is my property’s flood risk?
- It typically takes 30 days from the day you purchase flood insurance for the policy to go into effect. When purchasing a policy, ask your agent when coverage will start.
- Is flood insurance mandatory for my property?
- Do I qualify for a lower-cost Preferred Risk Policy (PRP)?
- Does my community participate in the NFIP’s Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
- Will the federal government back my flood insurance policy?
- How much coverage should I get for my building and for my contents?
- How can I reduce the cost of my flood insurance?
- Are there additional expenses or agency fees?
- Will my policy provide Replacement Cost Value or Actual Cash Value — and what’s the difference between the two?
- Who should I call if I have a flood claim?
Take a step back and evaluate your belongings, everything in your place of residence you own, what would happen should significant damage or loss occur? Could you afford to replace it all? If the answer is no, then you may want to consider renters insurance. Renters Insurance is set in place to cover your belongings in case of a loss, but it does not cover you rent payment, or your monthly bills. However, , it may help cover cost of temporary housing while your building is under construction or being repaired.
Property – Provides coverage to your personal property. Coverage is on a name-peril basis, meaning that only losses resulting from causes listed in the policy are covered, subject to limits and exclusions.
Liability – Covers you in the event you are held legally liable for someone else’s bodily injury or property damage resulting from an accident, negligent acts by you or household members, on or off the premises including:
- Costs to resolve claims or cost associated with defending lawsuits brought against you
- Damages caused by your animals on and off the premises, however, an animal deemed “vicious” may be excluded from the policy
Medical Payments – Covers the cost of medical expenses regardless of who’s liable, for anyone injuries at your place of residence (other than the resident of the household).
Additional Living Expenses – Depending on the policy type, this will cover additional expenses for up to 24 months if a covered loss makes your house unfit to live.
- Optional Renters Coverages:
- Floaters Policy – Extra coverage for items such as art, jewelry, collectibles, stuff that has a little more value and falls outside your renters insurance policy
- Replacement Cost – Contents-replacement costs is available for repairing or replacing lost or damaged items without deducting for their depreciation
- Identity Shield – Provides assistance in the resolution in the same of identity theft, credit fraud, public records monitoring and identity to travel document replacement such as a passport or I.D.
- Renters Discounts You May be Eligible for:
- Business & Professional
- Multi-Policy
- Age 50+
- Non-Smoker
- Approved Burglar & Fire Protection Devices
- Fire Safeguards
- Purchasing with Farmers Life Insurance
Trusted by families and business owners across Kansas and Missouri.
Steven Kohnle Insurance provides clear, personal, and proactive insurance guidance for individuals, families, and businesses across Kansas and Missouri—focused on protection that works when it matters most.
Serving
- Families & Individuals
- Homeowners & Property Investors
- Business Owners
- Retirees & Medicare-Eligible Clients
- Kansas & Missouri Communities
Coverage
- Personal Insurance
- Property Insurance
- Vehicle & Specialty Coverage
- Business & Commercial Insurance
- Life & Medicare Guidance
Reach Us
- Serving / Kansas & Missouri
- Operation / Available 24/7
- Phone / +1 (913)-871-4040
- Email / Service@StevenKohnleInsurance.com
- Address / 16567 W. 151st Street Olathe, KS 66062
since
2012
- © 2026 Steven Kohnle Insurance. All rights reserved. Insurance products offered through Farmers® Insurance.
