Kansas Homeowner's Insurance
Your home is likely to be the largest investment you will ever make, and it should be protected accordingly.
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Understanding Kansas Homeowner's Insurance
Why do I need Kansas homeowner's insurance?
Without Kansas homeowner's insurance, you risk losing your home and its contents to fire, storms and other catastrophes.
Can I own a home without Kansas homeowner's insurance?
Yes. However, if you have financed the purchase of your home through a bank or mortgage company, your lender will most likely require you to buy some form of Kansas homeowner's insurance. This protects their investment in the event that your home is damaged or destroyed.
What kinds of Kansas homeowner's insurance are available to me?
The most common types of Kansas homeowner's insurance come in the following forms:
Basic
Provides limited coverage against 11 perils such as fire and lightning; wind and hail damage; smoke damage; vandalism and damage caused by civil riot or misconduct.
Broad
Provides extended coverage from the basic 11 perils such as falling objects; weight of snow and ice; collapse of building and water damage from home appliances.
Special
This is the most common form of Kansas homeowner's insurance. It protects the structure of the home and most of its contents from all perils.
Modified
This coverage was designed to provide coverage to homes that do not meet the requirements of other Kansas homeowner's insurance policies; it is restrictive in what it covers.
You will also want to protect yourself by insuring your home and its contents for the replacement cost, rather than the actual cash value.
Some items in your home may lose value over time. Insuring your home and its contents for the replacement cost would provide compensation for what these items cost today, rather than what they may have cost when you purchased them.
I was turned down for Kansas homeowner's insurance. What can I do?
If you have been turned down by at least three insurers, you may obtain Kansas homeowner's insurance through the Kansas Fair Access to Insurance Requirements Plan, or FAIR. The Kansas FAIR Plan is sold through regular Kansas homeowner's insurance agents and companies.
The Kansas FAIR Plan is not a guaranteed right for Kansas residents. Your home will be inspected to determine your insurability.
How can I save on my Kansas homeowner's insurance?
The Insurance Information Institute offers the following tips for saving money on your Kansas homeowner's insurance:
Raise your deductible. Raising your deductible will ultimately lower your premiums. Make sure you choose the highest deductible that you can afford.
Learn to love maintenance. Avoid submitting claims for smaller incidents that you can fix yourself—submitting multiple claims will drive up the premium for your Kansas homeowner's insurance.
Save with safety. Installing a simple smoke detector may grant you a 5 percent discount on your Kansas homeowner's insurance. Installing more advanced safety equipment such as sprinklers or burglar alarms may save you up to 20 percent!
Live loyally. Your Kansas homeowner's insurance agent may give you a discount for insuring your car with the same company. You may also receive a discount for staying with the same company over a number of years. Be sure to ask about these and other discounts before you purchase your Kansas homeowner's insurance!
The Number One Way to Save Money on Kansas Homeowner's Insurance is to Shop Around!
Shopping around is the only way to find the right Kansas homeowner's insurance for you. Use InsureMe's free referral service and receive up to five free quotes from agents in your area.
Don't wait for that unexpected disaster—start shopping today!
