What Does Kansas Home Insurance Cover?
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 seguro de viviendas
policy. The AARP®
Homeowners Insurance Program from The Hartford1
offers great coverage in our standard plans, including:
- Electrical wiring
- Heating and air conditioning
- Staircases and walls
La cobertura de propiedad personal
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.
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.
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 after a covered loss. 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 The Hartford 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
- Nuclear accident
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:4