Home ownership is one of the biggest financial and emotional investments most people will ever make. Your home is more than a structure; it is where your family gathers, where memories are built, and where […]

Life is full of changes, and as your circumstances evolve, so do your financial responsibilities. Whether you’re getting married, buying a home, or welcoming a new child, major life events can significantly impact your life […]

Owning a vacation home is a dream come true for many, offering a place to relax, recharge, and make lasting memories. However, vacation homes come with unique risks and insurance needs that differ from your […]

Owning a vacation home is a dream come true for many, offering a place to relax, recharge, and make lasting memories. However, vacation homes come with unique risks and insurance needs that differ from your […]

1. What Exactly Does Renters Insurance Cover? Think of renters insurance as a safety net for everything you own inside your rental — furniture, electronics, clothes, even your laptop or bike. Most policies cover three […]

It’s one of the most important questions Kansas homeowners can ask — if your house caught fire tomorrow, would your home insurance actually cover the damage? Between kitchen fires, electrical issues, and unexpected wildfires near […]

Life insurance is one of the most important financial tools a family can have. It protects your loved ones from financial hardship and ensures stability when the unexpected happens. While there are many forms of […]

Running a business involves inherent risks, from property damage to liability claims and employee injuries. Understanding these risks is essential to ensure your insurance coverage adequately protects your operations. A risk assessment helps identify potential […]

Every driver knows they need car insurance—but when it comes time to choose a policy, the options can feel endless. Between liability, collision, and comprehensive coverage, how do you know what you actually need and […]

A common question we hear at KMO Insurance is: “Does my standard business insurance cover ransomware or hacking?” The short answer: typically not, or only partially — unless you’ve added specialized coverages. Here’s what finance […]