Insurance in Kansas: A Guide to Auto & Home Coverage
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It’s crucial for residents to fully understand insurance in Kansas, as it plays a pivotal role in protecting you, your family, your assets, and your well-being. Below, we’ll give you a comprehensive overview of the various types of insurance available, their costs, factors influencing rates, and valuable resources. Whether you need auto, home, life, or health insurance in Kansas, this information will help you make an informed decision.
Types of Insurance Coverage Available in Kansas
You have various insurance coverage options to meet your needs. Each type of Kansas insurance policy serves specific purposes, such as protecting personal assets, providing healthcare, or ensuring business continuity.
The primary types of insurance coverage available in Kansas are:
- Auto insurance
- Home insurance
Let’s explore these main types of insurance in KS further.
Auto Insurance in Kansas
KS insurance laws require liability auto insurance that meets state minimum coverage amounts to operate a vehicle on the roadways. The minimum liability coverage and amounts in Kansas are:
- Liability coverage: This covers bodily injuries and property damage you or someone permitted to drive your vehicle causes to others. You must carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and at least $25,000 per accident in property damage coverage.
- Uninsured/Underinsured motorist coverage: This covers your bodily injuries if an at-fault driver hits your vehicle and has no insurance or insufficient insurance. Kansas requires $25,000 per person of underinsured/uninsured coverage and $50,000 per accident.
- Personal injury protection (PIP): This covers any medical expenses or lost wages for you or anyone in your vehicle after an accident. Kansas auto insurance has legal minimums in this category:
- $4,500 per person for medical expenses
- $900 per month for a year in lost wages or survivor benefits
- $25 per day in substitution benefits
- $2,000 for funeral, burial, or cremation services
- $4,500 for reemployment and rehabilitation expenses
With this basic insurance coverage, everyone is protected. You are shielded from lawsuits by having the coverage needed to pay to repair any property you damage and any medical bills stemming from an accident. It also covers you if someone with insufficient coverage hits your vehicle. Plus, it ensures you can make someone you're in an accident with whole after an at-fault accident.
You can add Kansas car insurance options for enhanced protection, such as:
- Rental reimbursement: If you need a rental car during post-accident vehicle repairs, this coverage will reimburse you up to a fixed amount per day.
- Auto glass coverage: If your windshield or other glass on your vehicle is damaged, this coverage can pay for some or all of the repair.
- Excess medical payment coverage: If the PIP and other no-fault benefits do not fully cover your medical expenses, this policy can pay some or all of the difference.
- Umbrella liability policy: After you exhaust your base policy’s liability limitations, this coverage gives you an additional $1 to $5 million in liability coverage limits.
While these coverages are optional, they are great ways to make sure you are covered in all situations, even those where there is no at-fault party or you are at fault. For example, auto glass damage can have various non-accident-related causes, such as a rock hitting the windshield. Having auto glass coverage ensures your windshield is crack free and clear with minimal out-of-pocket costs.
Home Insurance in Kansas
Home insurance protects homeowners against damages to their property and liability for injuries that occur on their property. The standard Kansas home insurance policies cover:
- Fire damage
- Damage from natural disasters, such as windstorms, tornadoes, and hail
- Theft or vandalism
- Liability for injuries to visitors
These policies generally cover your home and other structures around it, home contents, and living expenses during repairs.
Though most insurers include hail and tornado coverage, some KS insurance companies may exclude them. Given the frequency of these weather events in Kansas, it’s likely a good optional add-on if your insurer excludes them. Many mortgage companies may even require this coverage as a part of the loan's terms and conditions.
Average Cost of Insurance in Kansas
The cost of insurance in Kansas can vary by policy type, coverage options, risks, and many other variables. However, some state averages can help set your expectations. The average premiums for common insurance options in Kansas are:
- Automobile insurance: $617 annually for state minimum coverage and $2,525 for full coverage
- Homeowners insurance: $3,570 annually
Factors Affecting Insurance Rates in Kansas
Many variables can impact all types of insurance. For example, the higher risk of tornadoes, snowstorms, and hailstorms in Kansas pushes homeowners insurance well above the $1,915-per-year national average.
The state minimum car insurance is slightly lower than the $664-per-year national average because of Kansas's heavily rural nature. However, full coverage is higher than the national average of $2,388, partially because it covers hail and tornado damage.
Useful Kansas Insurance Resources
You can stay atop all the Kansas insurance information and news through various resources. A few useful websites:
If you’re in the market for cheap car insurance in Kansas, EverQuote is another great resource. We help you compare premiums from multiple car insurance companies in Kansas so you can get a great rate.
FAQs
These frequently asked questions about insurance in Kansas can help fill any remaining gaps.