Homeowners Insurance

Protecting Yourself and Your Home with K. L. Owens and Associates LLC.

Your Home

A K. L. Owens and Associates LLC homeowners policy protects your home and other structures on your property – like a garage or tool shed – against loss from many things, including, but not limited to:

  • Smoke, fire, or lightning
  • Windstorm, hail, or weight of ice, snow, or sleet
  • Theft or vandalism
  • Falling objects
  • Freezing of a plumbing, heating, air conditioning, or automatic fire-sprinkler system, or of a household applianceHome Owners Insurance

Personal possessions

If your personal possessions – including furniture, clothing, appliances – are damaged or lost as a result of a covered loss, we’ll arrange for them to be repaired or replaced. Policy limits, terms and conditions apply.

Additional Living Expense

If your home is unlivable due to a covered loss, we’ll cover the additional necessary expenses you incur, up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.

Optional Coverage

If you want expanded coverage and additional benefits – including additional coverage for unforeseen costs when rebuilding your home or replacing personal property – you should consider adding this coverage

Extra Coverage for Valuables

If you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.


If someone is accidentally injured or has property damaged while on your premises, K. L. Owens and Associates LLS will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.

Inflation Protection

If you purchase Inflation Protection Coverage at an additional cost, K. L. Owens and Associates LLC will automatically adjust your policy limits to keep pace with inflation – and you will receive a discount on your policy premium.

The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations, and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

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