When severe weather strikes Overland Park—whether pounding hail, fierce winds, or flooding from heavy spring rain—it’s more than just a moment of panic. Your home, your sanctuary, is on the line. That’s why at KMO Insurance Agency, we’re dedicated to pairing the peace of mind that comes from personal, expert guidance with strong, tailored coverage that prepares you for life’s uncertainties.
As an independent insurance agency, we do the heavy lifting—shopping for the best policies for your needs and budget—so you can enjoy what matters most: your home, your family, and your peace of mind.
Why Overland Park Homeowners Should Take Note
Overland Park may lie beyond Tornado Alley, but that doesn’t spare us from severe weather. Here’s the risk breakdown:
Being proactive in weather readiness and insurance planning can mean the difference between recovery and ruin.
Preparation Beyond Insurance: Fortifying Your Home
Roof & Exterior Before the Storm
Windows, Doors & Entry Points
Flood & Drainage Measures
Emergency Readiness
Insurance Essentials: What to Ask Your Insurance Broker
At KMO Insurance, we believe in personal attention, customized quotes, and timely response—we consider these essential pillars of service,Here’s a quick checklist of important coverage elements for severe weather preparedness:
Make sure your policy reflects rising construction and rebuilding costs. Underinsurance is a hidden peril, so let’s reevaluate your dwelling limit regularly.
Severe storms can trigger building code changes or debates over structural safety. These add-ons ensure you can rebuild to current standards if needed.
Wind/hail deductibles in Kansas tend to be higher—often 2–5% of your dwelling coverage. Ask your KMO agent for clarity so you’re financially ready if a claim arises.
Garages, fences, or tool sheds—don’t overlook them. Also, inventory your belongings, document their value, and understand your contents coverage.
If your home becomes uninhabitable after a storm, ALE can cover temporary housing and related costs.
Standard policies do not cover flood damage. Even in regions with moderate risk, flood insurance is often inexpensively added and invaluable in a disaster.
After floods or roof leaks, mold often leads to second claims. Check whether your policy includes mold remediation or requires a specific add-on.
Why Choose KMO Insurance?
Smart Steps to Take Today
Protecting What Matters Most
Your home is more than a structure—it’s where memories are made, where loved ones gather. At KMO Insurance Agency, we understand that. Our mission is simple: to help you spend less time worrying if you’re properly insured and more time enjoying your life.
Get in touch today for a free, personalized home insurance quote. Whether you’re reinforcing your home against hail, evaluating your flood exposure, or just making sure you’re covered if severe weather hits, KMO Insurance is here to serve—with agility, insight, and local focus