Severe storms can be costly

Getting Home Insurance in Wichita

According to the Kansas Insurance Department, wind, hail, and floods are all common natural disasters in the state of Kansas. Due to the high instance of these events, it is vital for homeowners to have adequate insurance coverage. Home insurance in Wichita will protect homeowners from paying the full amount of damages accrued after a disaster out of their own pockets. The average homeowners insurance premium in Kansas was $991, which is higher than the national average of $880, according to the Insurance Information Institute. This higher average premium partially results from the high instance of storms within the state.

Factors of Home Insurance Rates in Wichita, Kansas

Homeowners insurance Wichita is determined by a variety of factors. According to the Kansas Insurance Department, these factors include the coverage you want, the age and condition of your home, the size of your home, your claims history, and your proximity to fire protection. Your credit history can also play a part in the cost of your dwelling policy. In addition, Wichita insurance companies take into consideration the location of your home, particularly in relation to how much crime is in the surrounding area.

Below is a chart that examines the average crime rates for Wichita:

  Robbery Burglary Larceny-theft
2010 481 4,241 12,472
2009 527 4,045 13,886
2008 482 4,077 14,097

If you live in Wichita, it’s important to have adequate storm coverage. The state Insurance Department reports that there were 197,255 claims made as a result of storm damage in 2011, with the cost of damages estimated at $1 billion. With numbers this high, insurance in Wichita is essential for protecting your home. Flood insurance, which is generally purchased as a separate policy, is also recommended by the department.

Home Insurance in Kansas

Get Homeowners
Insurance Quotes

It's free and only takes minutes!