Enter your ZIP code:

Kansas Homeowners Insurance


Your home is likely to be the largest investment you will ever make, and it should be protected accordingly.

InsureMe makes the task of finding the right Kansas homeowner's insurance an easy one. By entering your information to the right, we will provide you with up to five free quotes for Kansas homeowner's insurance in your area.

Stop surfing the Internet. Get your free quotes today!



Understanding Kansas Homeowners 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 Homeowners 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!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  


List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6602
54 Wisconsin Home Insurance youcomparequotes 6902
53 West Virginia Homeowners Insurance youcomparequotes 6487
52 Washington, D.C. Home Insurance youcomparequotes 8134
51 Washington Home Insurance youcomparequotes 6227
50 Virginia Home Insurance youcomparequotes 6529
49 Vermont Homeowners Insurance youcomparequotes 6990
48 Utah Homeowners Insurance youcomparequotes 6190
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7174
46 Texas Home Insurance Quotes youcomparequotes 6703
45 Tennessee Homeowners Insurance youcomparequotes 8278
44 South Dakota Homeowners Insurance youcomparequotes 6971
43 South Carolina Homeowners Insurance youcomparequotes 6233
42 Rhode Island Homeowners Insurance youcomparequotes 6437
41 Pennsylvania Home Insurance Quotes youcomparequotes 6697
40 Oregon Home Insurance Quotes youcomparequotes 12780
39 Oklahoma Homeowners Insurance youcomparequotes 6637
38 Ohio Home Insurance Quotes youcomparequotes 7047
37 North Dakota Homeowners Insurance youcomparequotes 6364
36 North Dakota Home Insurance youcomparequotes 6209
35 North Carolina Homeowners Insurance youcomparequotes 11110
34 New York Home Insurance Quotes youcomparequotes 6901
33 New Mexico Homeowners Insurance youcomparequotes 6823
32 New Jersey Home Insurance youcomparequotes 6270
31 New Hampshire Home Insurance youcomparequotes 6344
30 Nevada Home Insurance youcomparequotes 6471
29 Nebraska Home Insurance youcomparequotes 6320
28 Montana Home Insurance youcomparequotes 6693
27 Missouri Home Insurance Quotes youcomparequotes 6436
26 Mississippi Home Insurance youcomparequotes 6438
25 Minnesota Home Insurance Quotes youcomparequotes 6598
24 Michigan Home Insurance Quotes youcomparequotes 7958
23 Maryland Home Insurance youcomparequotes 6601
22 Maine Homeowners Insurance youcomparequotes 6414
21 Louisiana Homeowners Insurance youcomparequotes 6817
20 Kentucky Homeowners Insurance youcomparequotes 6212
19 Kentucky Home Insurance youcomparequotes 6601
» Kansas Homeowners Insurance youcomparequotes 6826
17 Iowa Homeowners Insurance youcomparequotes 6269
16 Indiana Homeowners Insurance youcomparequotes 6600
15 Illinois Home Insurance Quotes youcomparequotes 7335
14 Idaho Home Insurance youcomparequotes 6450
13 Hawaii Home Insurance youcomparequotes 6485
12 Georgia Home Insurance youcomparequotes 6574
11 Florida’s Home Insurance Headache youcomparequotes 7913
10 Florida Home Insurance Quotes youcomparequotes 6527
9 Delaware Home Insurance youcomparequotes 6122
8 Connecticut Homeowners Insurance youcomparequotes 6398
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10983
6 Colorado Home Insurance Information youcomparequotes 7127
5 California Home Insurance youcomparequotes 6600
4 Arkansas Home Insurance youcomparequotes 6728
3 Arizona Home Insurance Quotes youcomparequotes 7669
2 Alaska Homeowners Insurance youcomparequotes 6367
1 Alabama Homeowners Insurance youcomparequotes 6390
XE Login