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Homeowners policies cover most property or liability perils—such as fire or theft or hail and or windstorm—to which the homeowner is exposed. Coverage includes the home, detached structures on the property, as well as personal possessions in the structures. Standard homeowners insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril. Curtis can tailor a package to fit your needs.  Whether if you are looking for home a home owners insurance policy in Kearney or anywhere in the Buffalo County area, make sure to give Curtis a call! Hinrichs Insurance can provide the best home insurance options. Curtis will shop your home insurance with multiple carriers to find you the most affordable home insurance in Amherst, Kearney, Minden, Elm Creek, Axtell, Gibbon, and Riverdale.