Whitehill Insurance Agency/Farmers Union Insurance
Todd Whitehill

901 West 1st. St. #1 P.O. Box 531
McPherson, KS 67460

Email Me
Phone: (620) 241-1918
Cell Phone: (620) 245-1094
Fax: (620) 241-1946

Office Hours:
9 - 5 M-F
Request a Quote
Request a Quote
By Email or call us
(620) 241-1918
(620) 241-1918

Homeowners Insurance Quotes

For many of us our home is our most valuable possession. The best time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional property insurance not listed in your homeowners policy or for perils not covered — such as flood — for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

Your home is vulnerable to a loss in many different ways. Everyone thinks about wind, hail, tornadoes and floods as threats to their home. But, not everyone considers a burst pipe, a tree falling down or a stranger slipping on your front step during a snowstorm.

Having the right type of coverage gives you peace of mind.

                                                Get your home insurance quote started online now!

We will explain the different coverage options to you, walk you through the different policies and help you make the right decisions for your specific situation.

Here at QBE Farmers Union Insurance, we help determine what coverage and deductibles fit your life. If you are purchasing a home, we work closely with your mortgage company and real estate agent to make sure your closing is a breeze.

Ask us about discounts for multiple policies including: auto insurance, homeowners insurance, farm and ranch insurance.

Policy Within a Policy
Optional coverage is available after establishing specific needs for collectibles, jewelry and firearms.


There are some simple steps you can take to reduce your homeowner’s premiums.

  • Raise Your Deductible - A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.
  • New Home - If your home is less than 10 years old, you may be eligible for a new home discount.
  • Make Your Home Safer - You may be eligible for a discount if you have burglar and fire alarm systems and/or sprinkler systems. Monitored systems will earn a bigger discount than unmonitored systems.
  • Construction Material - When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in flood prone areas. We also offer Non-Smoker Discounts!


What's the best way to inventory my belongings?

Keep detailed records of personal property including receipts, serial numbers, appraisals and the name and addresses of appraisers with these descriptions.

  • Don't forget to inventory what's in your closets, attic and basement
  • Videotape or photograph your inventory
  • Take a photograph with your closet door open to indicate the quantity of your clothes
  • Keep your inventory up-to-date

Does homeowners insurance protect me if someone gets hurt on my property?

Typically homeowners insurance covers your liabilities if a guest falls and requires medical care. The amount of liability coverage is determined by your policy limits.

Am I required to carry homeowners insurance?

Unlike auto insurance you are not required by law to have homeowners insurance but your mortgage company may require it.

If I rent but don't own can I still get coverage?

Yes. Renters can purchase policies very similar to homeowners that cover personal property, liability, medical expenses etc., the renters policy simply does not cover the actual dwelling.

What is not covered by typical homeowners insurance?

There is a wide variety of damages, conditions, and costs that are not covered by homeowners insurance. For example:  

  • Your claim exceeds your maximum stated coverage amount.
  • You have flood damage.
  • You have losses related to business activities in your home and you do no
  • Your claim is covered by other insurance.
  • Someone else who is intentionally insured under your policy caused your claim.


Even though you don't own your own home you have personal property that can be lost to fires, burglaries and even lawsuits.

While most homeowners are insured for these risks, many renters are not. No one requires renters to buy insurance to protect their personal property, so many do not.

The first time most people think about property insurance is with their first home since it is required by the mortgage company. Although renters insurance is usually not required, it is just as necessary to have. Not only will it protect your personal items, but it will also help with temporary housing and liability protection, such as medical expenses for people on your property or a lawyer if you are sued by someone who is unintentionally injured by you.

If the ceiling in your apartment is damaged by a storm, the ceiling is covered by your landlord. But what about your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renters insurance policy.

Renters insurance can help you pay for repairing or replacing personal property that is damaged, destroyed or stolen. It may also cover most lawsuits or claims against you if you are responsible for injuring others or damaging their property. 


Manufactured home insurance provides coverage for your mobile home, garage or shed, and your personal belongings. It may also provide financial protection in case you unintentionally injure someone or damage their property.

Having the right insurance helps you protect one of your most valuable assets – your home.

Fire. Theft. Windstorms. These are risks you face every day as a mobile home owner. You are also at risk in case someone gets hurt while at your home, or you accidentally damage someone else's property. Mobile home insurance offers peace of mind in knowing that your finances won't suffer if unexpected events like these happen.

Do you have a mortgage on your mobile home? The financial institution that holds your mortgage may require you to have mobile home insurance.

Similar to conventional home insurance, mobile home insurance protects you in four basic ways:

  • Enables you to repair/replace or get actual cash value for your mobile home usually depending on age.
  • Allows you to replace your personal belongings if they are destroyed, stolen or damaged
  • Covers injuries that happen to other people or their property while in your home.
  • Covers your additional living expenses if you're forced to leave your home because of a claim.

Before purchasing mobile home insurance, consider the following questions:

  • What would it cost to replace your mobile home?
  • What would it cost to replace the contents of your mobile home?
  • Do you have an inventory and photographs of your personal possessions?
  • What kind of protection do you have against liability claims?
  • Do you have items that should be insured with special coverage such as jewelry, cameras, collectibles etc.
  • Does your mobile home have a fire extinguisher, deadbolt locks or other money-saving safety features?

We do our very best to provide you with the best coverage to meet your specific needs. While QBE Farmers Union Insurance is our preferred company and usually has the best rates, we do have several other carriers from which to choose.

Some of the carriers we represent include:

  • QBE Farmers Union Insurance Homeowners Insurance
  • American Modern Homeowners Insurance
  • The Hartford Homeowners Insurance
  • Foremost Homeowners Insurance

To have us provide a quote for any of these services, please call us directly at (620) 241-1918 or you can use our online quote request form and we will get right back with you.

Whitehill Insurance Agency/Farmers Union Insurance
901 West 1st. St. #1 P.O. Box 531
McPherson, Kansas 67460
Phone: (620) 241-1918
Cell: (620) 245-1094
Fax: (620) 241-1946
Email: twhitehill@nfuic.kscoxmail.com
Website – www.FarmersUnionInsurance.com/ToddWhitehill



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