Kansas Homeowners Insurance

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What Does Kansas Home Insurance Cover?

Kansas Homeowners Insurance Kansas ranks within the top 10 states for having the largest number of tornadoes per year.2 When these storms and natural disasters strike, they can cause major devastation to the millions of people who live here. Homes all over the state can be impacted – from cities like Wichita, Overland Park, Topeka, Kansas City, Olathe and more.
 
To protect your home in the Sunflower State, you need a good Kansas homeowners insurance policy. At The Hartford, we offer great coverages in our standard plans, including:
 
Dwelling coverage which helps cover your home and its attached structures. This includes:
 
  • Electrical wiring
  • Plumbing
  • Heating and air conditioning
  • Staircases and walls
Personal property coverage to help cover personal possessions in your home if they’re damaged.** For instance, if a fire damages your belongings, this coverage can help pay the repair costs.
 
Homeowners Insurance Kansas City KS Other structures coverage which helps pay for damages done to structures on your property that are not connected to your home. So, if a storm damages your fence, this coverage can help pay to fix it.
 
Liability coverage for help paying your legal defense costs and court judgments if someone sues you due to bodily injury or property damage. For example, if your neighbor’s son breaks his leg on your property, this coverage can help ensure he receives compensation for his medical expenses.
 
Loss of use coverage to help pay living expenses if you’re forced to leave your home temporarily while it’s repaired.** For example, if a fire damages your home and forces you to stay in a motel for a month, this coverage can help pay your living expenses. 
 
To learn more about coverage, you can work with licensed insurance companies, like us and get your quote today.
 

Different Types of Kansas Home Insurance

As a Kansas homeowner, you can get different types of Kansas home insurance policies like our HO-3, which is known as a special policy. This offers a broad range of coverage for disasters except from those specified in your policy like:3
 
  • Flood
  • Earthquake
  • War
  • Nuclear accident
  • Landslide
  • Mudslide
  • Sinkholes

Additional Kansas Home Insurance Options

While most homeowners insurance policies cover wind damage, you may still be vulnerable to flood damage. In Kansas, when a tornado strikes, it can result in both wind and flood devastation. That’s why you should consider adding flood coverage to your homeowners insurance. Kansas residents with flood insurance are also protected from wildfires that destroy forests near their home and result in flash floods from rain. They’re also protected from storms that cause heavy rainfall and damage their property.
 

Kansas Homeowners Insurance Rates

Insurance premiums in Kansas are often higher than most states due to the increased risk for natural disasters, like tornados. However, other facts also impact your rate, such as your:
 
  • Home’s age
  • Roof’s quality
  • Home’s replacement cost
  • Insurance claims history
  • Pets in the home
  • Credit score
You can also expect zip codes across the state to have different annual premiums. This chart will help you better understand how the homeowners insurance costs in Kansas have increased over the years:
Year Kansas Average Homeowners Insurance Cost National Average Homeowners Insurance Cost
2016 $1,548 $1,192
2015 $1,531 $1,173
2014 $1,431 $1,132
2013 $1,343 $1,096
One of the best ways to determine how much coverage you need is by inventorying your belongings. To successfully keep track of everything, you should:
 
  • Write down characteristics for each item you’re documenting, including details like age, color and size.
  • Digitize your inventory or type it out to ensure it doesn’t get lost or damaged.
  • Write down serial numbers for bigger items.
  • Group items together like how many glasses you own or how many pairs of boots you have.
  • Take photos for every item on your inventory.

Quotes for Homeowners Insurance in Kansas From The Hartford

To find the best price and plan, you’ll need to get homeowners insurance quotes from various providers. But first, you’ll need to be able to answer these questions:4
 
  • Which coverages and limits protect your home?
  • Do you know the details of your home? For instance, what does it look like and what is its total square footage?
  • What fire and security devices do you have in your home?
  • What is the distance from your property to the nearest fire hydrant and fire department?
We’re here to help you find the kind of coverage you need. To learn more, get a Kansas homeowners insurance quote online or speak with one of our specialists at 877-422-2345.
 
 
 
 
** Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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