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Kansas Home Insurance
Kansas home insurance provides property damage protection with every policy. In fact, even the most basic Kansas home insurance policy (HO-2) covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, sudden cracks, and overflowing steam and water damage from air conditioners and water heaters. The broad coverage of an HO-3 policy offers bodily injury liability coverage as well as some more rare home perils coverage. When buying a home, your mortgage lender requires you to purchase and to maintain your Kansas homeowners insurance.
Kansas Home Insurance Coverage
We all know that Dorothy came from Kansas, which brings us to the big peril for that state — tornado damage. The majority of damages caused by a tornado would be covered by Kansas homeowners insurance. The water damage caused by a strong storm, however, would not be covered. A homeowner must buy additional flood coverage in order to protect their home from flood water damage.
A $100,000 home in Crawford County, Kansas would cost $692 thorough one insurer. The same home in Ford County, with the same coverage, would cost $896 through another insurer. Many different counties in the same state will carry different rates depending on their history of storm damage.
We all want to decrease our Kansas home insurance rate. When we set out to buy Kansas home insurance, we can begin our quest for a low premium by shopping around for the best deal. It may take some time, but by asking our friends, looking in the yellow pages, and researching online, we can shave some all important dollars off our annual premium. Another option would be to increase the deductible on the policy. The deductible increase can save anywhere from $100-$1000 annually. Of course, if you have a high frequency of making claims, then this option may not be for you. Instead, you may try purchasing your home and auto insurance through the same company. Most insurance companies offer a discount when you purchase more than one policy through them. By following these suggestions, you can decrease your Kansas home insurance.
Kansas Department of Insurance
420 SW 9th Street
Topeka, KS 66612-1678
For other Kansas Insurance Resources, See:
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