Seguro de viviendas en Kansas

What Does Kansas Home Insurance Cover?

Seguro de viviendas en KansasKansas 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:
La cobertura de vivienda, which helps cover your home and its attached structures. This includes:
  • Electrical wiring
  • Plomería
  • 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.
Homeowners Insurance Kansas City KSOther 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.
Liability coverage 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
  • Inundaciones
  • Terremotos
  • War
  • Nuclear accident
  • Landslide
  • Mudslide
  • Sinkholes

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
Año Kansas Average Homeowners Insurance Cost National Average Homeowners Insurance Cost
2020 $1,478 $1,311
2019 $1,519 $1,272
2018 $1,617 $1,249
2017 $1,584 $1,211
One of the best ways to determine how much coverage you need is by inventorying your belongings. To successfully keep track of everything, you should:
  • Write down characteristics for each item you’re documenting, including details like age, color and size.
  • Digitize your inventory or type it out to ensure it doesn’t get lost or damaged.
  • Write down serial numbers for bigger items.
  • Group items together like how many glasses you own or how many pairs of boots you have.
  • Take photos for every item on your inventory.

Kansas Homeowners Insurance Discounts

If you bundle your home insurance policy with car insurance coverage, you can save money on both policies with The Hartford. When you bundle insurance, you can save up to 12% on auto insurance and up to 20% on homeowners insurance in Kansas.** Our customers save an average of $813 a year after bundling their auto and home coverage.**

Quotes for Homeowners Insurance in Kansas From The Hartford

To find the best price and plan, you’ll need to get homeowners insurance quotes from various providers. But first, you’ll need to be able to answer these questions:5
  • Which coverages and limits protect your home?
  • Do you know the details of your home? For instance, what does it look like and what is its total square footage?
  • What fire and security devices do you have in your home?
  • What is the distance from your property to the nearest fire hydrant and fire department?
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.