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Home Insurance and Auto Insurance in Kansas
Homeowners Insurance in Kansas
Kansas homeowners know a little about unpredictability. Much of the state sits squarely within Tornado Alley, the area of the United States that frequently sees severe weather, ranging from tornadoes to strong winter storms that can close major highways for days at a time. From farm houses to suburban neighborhoods, home insurance is a necessity for protecting your investment and ensuring you can recover after both minor accidents and major catastrophes.
Homeowners Insurance Coverage Options in Kansas
When you sit down to buy home insurance in Kansas, the first thing to consider is how much coverage you need. Your home insurance policy should cover the value of your home and its contents. You won’t typically need to factor in land value. What you will need to decide on, however, is whether you want a policy that covers claims with an actual cash value or a total replacement cost.
Actual cash value policies pay out the current value of a dwelling, structure or property, meaning you may not be able to fully replace the loss. Replacement cost does not factor in depreciation, so you won’t have to worry about increased materials costs with this type of policy.
Home insurance policies typically lay out very clearly what is and isn’t covered, often as a list of named perils. Named perils can include damage such as fire, lightning, falling objects, windstorms and hail. It will also include other types of losses, including theft and vandalism. More concrete examples of what is covered in a home insurance policy include, but aren’t limited to:
Dwelling coverage
, which covers physical damage to your home’s structure. Walls, roof, floors and doors are usually included. Foundations and other parts of the home that might not be visible are covered, too.
Personal property coverage pays for the cost to repair or replace your belongings. In addition to items in your home, these policies often reimburse you if items are stolen while on vacation or otherwise outside of your home. This coverage can include objects like furniture, electronics, clothes, appliances and jewelry.
More expensive items—such as cash, jewelry or guns—may not be covered under a typical policy. For these high value goods, check with the insurance company to ensure you have sufficient coverage.
Liability coverage helps protect you in the event of an injury or property damage that occurs on your property. It will pay for court costs and awards you must pay in court up to the policy’s limit. This liability portion of coverage travels with you and your family; the portability allows you to recoup the costs of damage to others’ property while you’re visiting.
Additional living expenses coverage
pays for costs that may be incurred if your home is uninhabitable after a claim or loss. It can cover the costs of hotel rooms, restaurants, and laundry facilities if you don’t have access to your own washer and dryer.
Common Causes of Loss in Kansas
The most common—and expensive—cause for loss in Kansas is severe weather, particularly tornadoes. The state sees an average of 86 tornadoes each year.1 Thunderstorms and lightning are also common culprits for home insurance claims; because these weather events often bring hail, roof replacement or repair due to hailstorms is frequent. These weather events can lead to substantial financial losses for homeowners who don’t have insurance to cover the cost of repairing or rebuilding after a storm.
Additional Coverage Options Recommended for Kansas Homeowners
Depending on where you live, you may want to invest in additional insurance coverage beyond what your existing homeowners policy covers. Some potential insurance options you should consider include:
Flood insurance:
Flood damage isn’t covered by home insurance in Kansas, but flood insurance coverage can be purchased separately. Your existing insurance company may offer it, but you can also seek to find a flood policy with the help of the
National Flood Insurance Program (NFIP)
.
Identity theft coverage:
Because identity theft is becoming increasingly common, it may make sense to check whether this coverage is part of your existing home insurance policy. If it’s not, you may want to add it. The costs associated with recovering your identity and fighting fraudulent transactions can be expensive, so this coverage can help offset any losses.
Our Home Insurance Partners in Kansas
What is the average home insurance cost in Kansas?
Your home insurance rates in Kansas will vary based on several factors, including the amount of your deductible and your existing credit and claims history. Rates differ from company to company, too, so it’s important to collect quotes from several insurance carriers at once. The statewide average home insurance cost for SelectQuote customers in Kansas is $143.76 per month,+ but your premiums may differ based on:
Type of home
Location of home
Condition and age of home
Coverage limits
Available discounts
Homeowners Insurance Discounts in Kansas
There are plenty of home insurance discounts available to Kansas homeowners. Discounts vary based on your insurance company, but commonly used rate reductions can include:
Discounts for home security systems
Discounts for customer loyalty
Discounts for low number of claims
Discounts for high deductibles
Bundle Your Home and Auto Insurance to Save Money
Bundling your home and auto insurance not only means the convenience of having both policies with the same carrier, it also means big savings. SelectQuote customers save an average of $693 per year when they bundle home and auto coverage.
Average Home and Auto Insurance Rates in Kansas
Home and auto insurance rates often vary by ZIP code, and your own rates may be impacted by other factors such as your claims history, credit rating and the age and condition of your insured property. Based on SelectQuote-sold policies in Kansas, homeowners and drivers in the following cities see average insurance rates as follows:
City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
Kansas City | $175.42 | $168.53 | $308.81 |
Olathe | $149.29 |
| $334.53 |
Overland Park | $154.34 | $130.75 | $312.11 |
Topeka | $112.91 | $126.67 |
|
Wichita | $141.94 |
| $230.78 |
Auto Insurance in Kansas
Nearly 857,000 vehicles are registered in the state of Kansas.2 And although that’s well below the number of cars on the road in states with the most registered vehicles like California and Florida, it’s still a large number.
Whether you’re a single car household or have a small fleet of vehicles in your driveway, auto insurance is still an important purchase to help protect you and your family in the event of an auto accident.
Kansas Auto Insurance Laws and Requirements
Like most states, Kansas state law requires that all drivers have auto insurance. Every auto insurance policy sold in the state must include, at minimum:
Liability coverage:
This pays for the other person’s medical expenses, rehabilitation, funeral costs and other damages if you’re found to be at fault in an auto accident. Liability coverage comes in two forms: bodily injury liability and property damage liability. The limits for bodily injury liability coverage are $25,000 per person and $50,000 per accident. Property damage liability coverage requires $25,000 per accident.
Personal Injury Protection (PIP or No-fault) coverage:
PIP pays for medical expenses, rehab and funeral expenses for you or passengers in the event of an accident, regardless of who is found to be at fault. Passengers with their own cars can collect under their policies.
Uninsured and Underinsured Motorist Protection coverage:
This pays you or your passengers for medical, rehabilitation and funeral costs. It pays settlements of lawsuits resulting from accidents caused by hit-and-run accidents or uninsured and underinsured motorists. This policy also covers you as a pedestrian or while you are riding a bicycle.
In addition to required auto insurance coverage, Kansas drivers are encouraged to shop for collision coverage, which pays for repairs or replacement to your car in a collision with another vehicle or stationary object. Comprehensive coverage pays for damage to your vehicle resulting from fire, theft, hail, windstorms or accidents involving animals. Gap coverage is purchased when financing a vehicle through a lender and pays for the difference between what you owe on a vehicle and what it’s currently worth.
All data on average expenditures is provided by the Insurance Information Institute.
Type of Coverage | Minimum Coverage Kansas Requires |
Bodily Injury Liability |
|
Property Damage Liability | $25,000 |
Uninsured/Underinsured Motorist | $25,000 per person / $50,000 per accident |
Personal Injury Protection |
|
Collision | Not required |
Comprehensive | Not required |
Gap Insurance | Not required |
Kansas Teen Driving Laws
Teen drivers in Kansas are required to have auto insurance coverage, either on their own or through their parents. In addition to this insurance requirement, teenage drivers are subject to graduated/restricted license requirements.3 Drivers aged 15 to 16 must complete at least 25 hours of supervised driving and have a written application from their parent or guardian.
Teen drivers are subject to other restrictions, including prohibitions on driving from 9 p.m. to 5 a.m. except to and from work or school or in the event of a medical emergency. They are also restricted from having non-sibling minor passengers in the car and are required to abstain from using cell phones except in the case of emergencies.
Kansas Car Registration Information
Kansas vehicle registration requires several pieces of information, including a valid title for the vehicle. Drivers must also present proof of insurance when applying for vehicle registration. In some cases, such as when the vehicle has a title from another state, a car must also pass a detailed inspection performed by trained law enforcement—in many cases, the Kansas Highway Patrol.4
What is the average car insurance cost in Kansas?
Car insurance rates in Kansas will vary based on several factors,5 including the type (make, model and year) of vehicle, your driving record and credit history. Other factors that may impact your auto insurance rates include:
Age
Gender
Location
Vehicle mileage
How often you drive your car
Amount of coverage
Your deductible
The average car insurance cost in Kansas per month for SelectQuote customers is $135.04.+
Our Auto Insurance Partners in Kansas
Kansas Home & Auto Insurance Frequently Asked Questions
Shopping for insurance shouldn’t feel confusing, but we understand that you probably have some questions. Some of the most common inquiries we hear about can be found below.
How do I shop for insurance in Kansas?
When shopping for home and car insurance in Kansas, the same guidelines apply for coverage: get multiple quotes, shop for discounts and make sure the coverage you’re buying fits your unique needs.
How to Shop for Homeowners Insurance in Kansas
How to Shop for Auto Insurance in Kansas
What are Kansas homeowners insurance laws?
Kansas does not require homeowners insurance, but it’s a good investment to protect yourself from losses. If you can’t find a company to insure your property, you may also explore insurance through the FAIR (Fair Access to Insurance Requirements) plan. More information about the FAIR Plan can be found through the Kansas Department of Insurance.
Mobile Home Insurance in Kansas
Traditional homeowners insurance policies do not cover mobile homes or other manufactured housing. These types of houses don’t have concrete foundations and often see increased risk of damage due to high winds, fires and theft. You will need specialized coverage for your mobile home, which not all insurance companies offer.
What is recommended for car insurance coverage in Kansas?
Your car insurance requirements will differ depending on the age and condition of your vehicle. Brand new cars often need full coverage because the bank or auto lender wants to protect their investment in the vehicle, but older cars may not need as much coverage. The value of your vehicle may be less than the premiums on comprehensive or collision coverage. Your deductible may even exceed the car’s value. SelectQuote can help you determine not just what level of coverage you should buy, but how to save even more by looking for low-deductible coverage.
SelectQuote Can Shop Kansas Home or Auto Insurance to Help Save You Time and Money
From the Johnson County suburbs to the Flint Hills and beyond, finding auto and home insurance for your Kansas house or vehicle is easier than ever. Let SelectQuote compare quotes from several insurance companies at once to help you save time and money while shopping for your home and auto coverage.
We do the shopping. You do the saving.
