Home Insurance and Auto Insurance in Kansas

Homeowners Insurance Coverage Options in

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

The most common—and expensive—cause for loss in Kansas is severe weather, particularly tornadoes. The state sees an average of 96 tornadoes each year,¹ landing squarely in second place compared to Texas. 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 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

SelectQuote partners with trusted home and auto insurance companies in every state, including Kansas. We shop for coverage by comparing quotes from several carriers at once to help save you time and money.

What is the average home insurance cost in ?

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 $1,574.52 per year and $131.92 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

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

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.

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.

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 ?

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 $215.57.***

Our Auto Insurance Partners in

SelectQuote works with trusted, nationally recognized auto insurance companies. We shop for insurance coverage and compare quotes from several carriers at once so that we can find insurance coverage with the best balance of budget-friendly savings and coverage to meet your needs.