Kansas Homeowners Insurance
Homeowners Insurance in Kansas: Complete Consumer Guide
Thinking of moving to Kansas? Here are some interesting facts about your new home state. Kansas became the 34th state on January 29, 1861. The capital of Kansas is Topeka. The state bird of Kansas is the western meadowlark. The state flower of Kansas is the sunflower. And the state tree of Kansas is the cottonwood. The state name of Kansas comes from Kansa, a Native American Indian tribe, and means “people of the wind.” Kansas is known for its vast plains and farmlands. Kansas is home to more than 500 caves. The state song in Kansas is “Home on the Range.” Kansas was known for wild frontier towns like Dodge City and Wichita during the settling of the Wild West.
Types of policy for Homeowners Insurance in Kansas
What kind of homeowners insurance policy do you need for your home? Not sure? Here is a look at the different types of homeowners insurance policies.
HO-1 Called the “basic form,” this insurance policy covers the 10 most common perils. But you won’t find this insurance form everywhere. Some insurance companies do not offer HO-1 forms.
HO-2 Known as the “broad form,” the HO-2 policy provides more limited coverage. But a HO-2 form still provides more insurance coverage than a HO-1 basic form.
HO-3 This insurance form is the most widely purchased type of insurance. The HO-3 form provides coverage for named perils and personal property. With a HO-3 form, your insurance company will pay to repair or replace personal belongings damaged by 16 covered perils. These covered perils include theft, falling objects, the weight of ice, sleet and snow, water damage, hail, explosions, vandalism, smoke, fire, lightning and windstorm.
HO-6 This insurance form is used for condominium units. The type of coverage is usually “walls-in” coverage and may protect the condo unit’s walls, floors and ceilings from 16 covered perils. The HO-6 form also includes coverage for the condo owner’s personal belongings.
HO-8 This type of insurance form is for older houses and covers 10 perils. The HO-8 form is paid on an actual cash value basis, which is the cost of the home items minus depreciation.
What factors affect rates on homeowners insurance in Kansas?
There are a number of factors that determine the rate of a homeowners insurance policy. Let’s take a look at a few. For example, the construction materials of your home are big factors. So are other things such as how much it will cost to rebuild the house and replace all your personal belongings. Whether or not you have a swimming pool or a trampoline affects home insurance rates as well. Do you have pets? If you own a dog, you are liable for dog bites and any injuries that your dog may cause and this affects your homeowners insurance rates. Your credit also plays a role. If you have good or excellent credit, you’ll pay lower homeowners insurance rates than a homeowner with bad credit.
Top 5 disasters in the State of Kansas
Kansas federally declared Severe Storms as the most common disaster with 38 counts since 1953, followed by Flood, Fire, Tornado, and Biological disasters. Here are the top 5 federally declared disasters in the state of Kansas:
Source: Federal Emergency Management Agency (FEMA)
How much is homeowners insurance in Kansas?
The average cost of homeowners insurance in Kansas is $908 per year.
Source: The average cost of homeowners insurance by state, Business Insider.
Crime Rate: Is Kansas a safe state?
|2019 Crime in Kansas||Crime Number||Crime Rate*|
*Rate per 100,000 inhabitants
Safest Cities in Kansas by Property Crime*
- Lansing, KS has a population of 12,051 with a Property Crime rate of 5.1 per 1k. The city average home value is approximately $221,095.
- Gardner, KS has a population of 22,229 with a Property Crime rate of 7.9 per 1k. The average home value there is about $245,466.
- Prairie Village, KS came in third as the safest city in the state of Kansas and has a population of 22,508 with a Property Crime rate of 10.8 per 1k. Its home value averaged at about $339,868.
- Leawood, KS has a population of 35,052 with a Property Crime rate of 11.4 per 1k. Its average home value is $532,657.
- Lenexa, KS has a population of 56,240 with a Property Crime rate of 13.5 per 1k. The city home value averaged $328,113.
*Based on FBI Uniform Crime Reporting 2019, some cities have been eliminated because of changes in the state/local agency's reporting practices and cities with populations under 10,000. Zillow’s State/Cities average home value for a single family home or a condo as of Sept. 2020.
Compare Home Insurance Rates in Kansas
Top homeowners insurance companies in Kansas
Auto Owners has strong online resources on its website and offers a variety of add-on coverages as well. They offer a number of discounts that it offers to customers including bundling an Auto Owners home insurance policy with another Auto Owners policy and paying your premium in full.
Farmers is known for its three tiers of home insurance policies that customers can add on to with additional coverages. Identity theft coverage is also available. You can get a discount for bundling a Farmers home insurance policy with another Farmers insurance policy. Other discounts include a non smokers discount, a multi-policy discount and a professional group member discount.
AAA provides a number of add-on coverages beyond the basic homeowners insurance coverage. So you’ll be able to customize your home insurance policy. To get home insurance coverage from AAA, you’ll have to join AAA and become a member. Discounts from AAA include a multi-policy discount and a retiree discount.
Kansas Home Insurance FAQs
Does home insurance cover sinkholes in Kansas?
Sinkholes are excluded from most homeowners insurance coverage because they are considered ground movements. But you can purchase a separate sinkhole insurance policy.
How to shop for home insurance in Kansas?
The best way to shop for home insurance is to get home insurance rates from several different insurance companies. SmartFinancial makes this easy to do. With SmartFinancial’s help, you’ll be comparing home insurance rates near you in no time.
Is the first year of homeowners insurance included in closing costs?
Yes, typically one full year of homeowners insurance is collected and paid to your insurance company at closing.
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Gutters and downspouts work to navigate water flow off the roof so that there is no standing water that can lead to complications such as rotting wood, rotting fascia and foundation cracks
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Do you hear gurgling or trickling noises from the toilet? Does water drain more slowly than usual? Do you have a sink hole in your yard suddenly? Is your grass suddenly vibrantly green in patches?
If you're a new homeowner or if you simply decided to look into what homeowners insurance covers, you probably have a few questions about your policy. We have answers.
Keep in mind that in order to get paid for the tree removal you will have to first pay your deductible. Your deductible costs anywhere between $250 and $1,000 so it may make sense for you to pay for the tree removal out-of-pocket. Also, your rate may go up if you file a claim. Is it worth it?
With all the benefits that come with owning a swimming pool there are also risks, which is why swimming pools are often called “an attractive nuisance.” According to the Centers for Disease Control and Prevention (CDC), approximately 10 people die from unintentional drowning.
Mortgage payments and possibly a homeowners warranty aren’t the only costs of owning a home. Nope, it doesn’t end with taxes and homeowners insurance either. Most people who set out to buy their first home are in for a surprise when the closing date approaches and they learn that they owe all sorts of money for the house they just bought.
Homeowners insurance was not designed to cover small or even big fixes, but to repair damage that is covered under the stipulations of your policy. In fact, you may end up paying more in monthly premiums if you file a claim that gets rejected. For this reason, we advise you to fully review your case and your policy to see if you’re covered before filing a claim.
Homeowners insurance is an important protection to have even when it’s not required for a primary home, a vacation home or condo.