Esurance Rolls Out Homeowners Insurance in Kansas

According to Forbes, the median home price in Kansas is $140,600 and the cost of living is 3.7 percent below the national average (making it the tenth most affordable state in the U.S.). Plus, as of last year, the housing market seemed to be on the uptick. (And we hear the barbecue is still just as good as it’s always been.)

So, what does this mean? Well, if you like pulled pork sandwiches and all the perks of homeownership, the Sunflower State might be the place for you. And now our Midwestern friends have one more thing to get excited about: Esurance is offering top-notch homeowners insurance in Kansas.

Homeowners insurance in Kansas

In addition to great rates, 24/7 help from knowledgeable experts, and easy online policy management, Esurance offers a range of benefits to Kansas homeowners.

  • Automatic reconstruction cost estimate
    If the worst happens, you need the right amount of coverage to rebuild your home. (This is, after all, the most important aspect of home insurance.) But it can be hard to know just how much reconstruction could cost.To make it super easy for you, we provide coverage options when you get your quote.
  • Automatic dwelling protection updates at renewal
    Once a year at renewal, we’ll automatically check to see if the cost of reconstruction has changed in your area. If it’s increased, we’ll update your policy. (Of course, we’ll let you know how the change affects your premium.) And if the cost has decreased, we’ll notify you so you can update your coverage if you’d like. It’s one more way we look out for you.
  • Claim forgiveness
    With this optional feature, if you do need to file a claim, we’ll forgive it (meaning your rate won’t increase) and you can still keep your Claim-Free discount.

And that’s just the beginning. Learn how to protect your biggest investment or get a quote today to see how smart and affordable Esurance homeowners insurance can be.

Bundling homeowners and car insurance in Kansas

Since Esurance also offers car insurance in Kansas, customers who chose to bundle their policies together can save with the Multi-Policy discount.

In fact, when you bundle, you could save on your homeowners insurance AND save on your car insurance too.

Esurance across the country

If you don’t live in the great state of Kansas, not to worry. We now offer homeowners insurance in 7 states, including Arizona, Colorado, Illinois, Missouri, Oregon, and Wisconsin.

If you’re looking for motorcycle insurance, we can help there too. We’re pleased to offer great coverage for all kinds of bikes in the following 9 states: Arizona, California, Florida, Illinois, Indiana, Ohio, Pennsylvania, Texas, and Wisconsin.

And, of course, Esurance car insurance is now available to drivers in 43 states! See if we’re in your state.

We’ll continue to roll out great insurance products in more and more states this year, so stay tuned!

Fireworks Safety: Avoid Injury This Independence Day

We love fireworks just as much as you do, and any excuse to enjoy them will suffice, from New Year’s Eve and sporting events to weddings and state fairs. Of course, no event inspires a greater profusion of pyrotechnics than the Fourth of July.

Sadly (but perhaps not surprisingly), that also means a greater profusion of accidents. Sixty percent of firework-related injuries occur in the weeks surrounding Independence Day. And a substantial number of those involve sparklers and bottle rockets, which many people falsely assume are safe for kids. In fact, lit sparklers can reach temperatures of 2,000 degrees — way too hot for young children to handle.

But this doesn’t mean you have to give up all your combustible fun. With a few quick tips, you can add some dazzle to your holiday and still celebrate safely.

Facts about fireworks injuries

First, a reality check. The Consumer Product Safety Commission conducted a study of fireworks injuries between June 22 and July 22, 2012. Here’s what they found:

  • Burns to the head, face, or hands accounted for over half of the injuries.
  • Around 20 percent of injuries involved children aged 9 or younger.
  • Most injuries were caused by malfunctions or misuse. Malfunctions included fireworks that failed to ignite properly or went off in unexpected directions. Misuse included holding fireworks while lighting them or setting them off too close to other people.
  • Firecrackers caused the most injuries (23 percent) followed by sparklers and bottle rockets (12 percent each).

The good news is that legally sold fireworks are designed to be safe if used as intended. Here’s some advice on how to handle them properly.

Fireworks safety tips

  • Before purchasing or using fireworks, check that they’re legal in your area.
  • Fireworks packaged in brown paper are usually intended for professional displays and are unsafe for consumer use.
  • Never let young children handle fireworks and always make sure a responsible adult is present to supervise older kids.
  • Light fireworks in a clear space far away from vehicles, buildings, and dry grass or brush (and never use them indoors).
  • Don’t stand directly over a firework when lighting the fuse. Light only one at a time and back away immediately once it’s lit.
  • Make sure to have a garden hose or bucket of water ready to douse any fires.
  • Soak spent fireworks thoroughly with water before discarding them in an outdoor trash can (ideally an empty metal can with a lid).
  • If a firework is a “dud” (fails to fully ignite), don’t pick it up or try to relight it. Wait 20 minutes and then soak and discard it as you would a used firework.

And because we’re all about safety here at Esurance, remember that the Fourth of July is one of the most common times for traffic accidents, so please don’t drink and drive. And whatever you do, always make sure you’re protected with the right insurance coverage.

Now go enjoy some barbecued hot dogs and a sky-lit spectacular! Happy Independence Day!

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