Homeowners Insurance

Your home is likely your most valuable asset—and protecting it starts with smart, reliable coverage. At Thomas L. May Insurance Services, we help homeowners across Wichita and surrounding communities find insurance solutions that offer clarity, flexibility, and peace of mind. Whether you're a first-time buyer or a longtime homeowner, our team is here to simplify the process and guide you to the right protection.


Do I Need Home Insurance?

Your home is more than just a structure—it’s where memories are made and your most valued possessions are kept. Home insurance provides essential protection in four key ways:

Protects Against the Unexpected

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From fire and storms to theft and vandalism, homeowners insurance helps you recover financially from sudden loss or damage.

  • Coverage for repairs or rebuilding after damage.
  • Replacement of personal belongings due to theft or disasters.
  • Protection from costly out-of-pocket expenses.

Meets Mortgage Requirements

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Most lenders require insurance as a condition of your loan. We help ensure you’re covered—and compliant.


  • Protects both you and your lender from financial loss.
  • Keeps your loan agreement compliant.
  • Ensures peace of mind during the home-buying process.

Covers Liability

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If someone is injured on your property, liability insurance can shield you from costly lawsuits or medical expenses.

  • Pays for legal defense if you’re sued.
  • Covers medical expenses for injuries sustained on your property.
  • Extends to incidents caused by you or your family members away from home.

Provides Peace of Mind

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With the right policy in place, you can rest easier knowing your home and finances are protected—no matter what.

  • Confidence that your family and assets are secure.
  • Freedom from financial strain after a disaster.
  • Assurance that your home is always protected, no matter what.

Homeowners insurance typically includes several key components:

What Does Home Insurance Cover?

Building Coverage

Protects the structure of your home.

Contents Coverage

Covers personal belongings like furniture, electronics, and clothing.

Liability Coverage

Protects you if someone is injured on your property or if you're found responsible for property damage.

Understanding Home Insurance Policies

We’ll walk you through the options and explain what’s right for your situation. Common policy types include:

  • HO1 Basic Policy: Limited coverage, rarely sold today.
  • HO2 Broad Form: Covers common risks like fire, hail, and theft.
  • HO3 Special Form: The most popular option; protects against all risks unless specifically excluded.
  • HO4 Renters Insurance: For tenants, covering contents and liability.
  • HO6 Condo Policy: Designed for condo and townhome owners.
  • HO8 Older Home Policy: Tailored for aging homes with unique needs.