Call Us 620-221-1760 ☰ ˟
Logo
Call Us 620-221-1760
  • Home
  • Our Agency
    • About UsImage of right arrow
      • Employee Directory
      • About Winfield
    • Real Estate
    • Personal LinesImage of right arrow
      • Auto and Homeowners Insurance
      • Automobile
      • Homeowners
      • Other Personal Insurance
      • Farm
      • Life
      • Recreational Vehicle
      • Additional Insurance & Services
    • Commercial ProductsImage of right arrow
      • Coverage for Your Business
    • Get a Quote
    • Our Providers
    • Contact Us
  • Products
    • Auto and Homeowners Insurance
    • AutomobileImage of right arrow
      • Auto Liability Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Comprehensive Auto Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Auto Collision Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Uninsured/Underinsured Motorist Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Diminishing/Vanishing Deductible - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Accident Forgiveness - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Minor Violation Forgiveness - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Roadside Assistance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Specialty Auto Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • 24-Hour Customer Service - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Towing Services & Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Rental Reimbursement - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Personal Injury Protection (PIP) - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Medical Payments Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • HomeownersImage of right arrow
      • Property Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Homeowners Liability - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Renters Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Condo Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Mobile Home Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Scheduled Property Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Landlords Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • In-Home Business Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • Other Personal InsuranceImage of right arrow
      • Identity Theft Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Personal Umbrella Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • FarmImage of right arrow
      • Farm Owners Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Livestock Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Equine Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Equipment Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Dwelling Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Structures Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Auto Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Umbrella Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Farm Liability Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • LifeImage of right arrow
      • Individual Life Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Group Life Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Long-Term Care Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Disability Income Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Key Person (Key Men) Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • Recreational VehicleImage of right arrow
      • Boat/Watercraft Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Motorcycle Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Motorhome Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • ATV Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Snowmobile Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • Additional Insurance & ServicesImage of right arrow
      • Special Event & Wedding Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Other Services - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
    • Business & CommercialImage of right arrow
      • Business Owners Policy (BOP) - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Commercial Auto Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Commercial General Liability - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Commercial Property Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Commercial Umbrella Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Crime Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Inland Marine Insurance - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Professional Liability Coverage - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Workers Compensation - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Surety & Fidelity Bonds - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Fidelity Bonds - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
      • Surety Bonds - Winfield KS & Arkansas City KS - Buterbaugh & Handlin Insurance & Real Estate
  • Get a Quote
  • Contact Us
  • Locations & Hours
Home > Auto and Homeowners Insurance Home

Auto and Homeowners Insurance


Auto and Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Get a Quote for Homeowners
Get an Automobile Quote

Auto and Homeowners Insurance Information

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
808 Millington St. | Winfield, KS 67156
P: 620-221-1760 | Toll-Free: 800-279-0426 | Fax: 620-221-1776
Social Social Social Social
Logo

Powered by Insurance Website Builder