Home coverage that's actuallyclearfairyoursplainclear
Most homeowners do not know if they are insured to rebuild or just to resell. We read your policy, shop 20+ carriers, and make sure the number is right before a storm decides for you.
Home coverage, line by line.
What a homeowners policy actually covers, and where the gaps tend to hide.
| Coverage | What it covers | Good to know |
|---|---|---|
| Dwelling (Coverage A) | The cost to rebuild your house after a covered loss | Ask for replacement cost, not actual cash value |
| Other structures | Detached garages, fences, sheds, and decks | Usually a percentage of your dwelling limit |
| Personal property | Your belongings, at home and away | Jewelry and electronics often need a scheduled rider |
| Loss of use | Hotel and meals while your home is unlivable | The line nobody thinks about until they need it |
| Personal liability | If someone is hurt on your property or you are sued | An umbrella stacks higher limits over this |
| Wind and hail deductible | A separate, often percentage-based deductible | Read this number before storm season, not after |
Replacement cost versus actual cash value is the single line that decides whether you are made whole. We check it first.
Bought your home recently? Send us the dec page and we will check the rebuild number, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Home coverage, answered.
The questions homeowners ask before they switch.
A homeowners policy covers replacement cost, what it takes to rebuild from zero, including labor, materials, and code upgrades. That often runs higher than the purchase price, especially on older homes.
Actual cash value pays the depreciated value of the roof, replacement cost pays to put a new one on. Many policies quietly moved roofs to ACV. We tell you which one yours is before a storm does.
No. Flood is a separate policy, and a surprising amount of the KC metro carries some risk. We can place it alongside your home coverage so the gap does not bite you.
Standard policies cap categories like jewelry, art, and firearms. Scheduling those items adds agreed-value coverage and usually drops the deductible to zero for them.
Usually yes. Most carriers reward it and one company makes claims simpler. We check whether bundling or splitting serves you better.
Ready when you are
Send us your current home policy. We will tell you what it is missing, free.
Homeowners usually pair home with
Auto insurance
Bundle home and auto and both usually come down, on one bill with one company.
Explore autoUmbrella coverage
An extra layer of liability over your home and auto, for not much a month.
Explore umbrellaHigh-value home
Estate-level homes need a carrier built for them. See the high-value approach.
Explore high-value