Finding a Kansas homeowners insurance company requires taking many things into account. Not only do you want to find the best rates, you want to find an insurance company that meets your needs for homeowners insurance. Not all Kansas homeowners insurance companies are created equal and a little bit of research will go a long way in helping you pick the one that is right for you.
Just because a company looks reputable doesn’t mean it is. There is nothing worse than needing to file a claim only to find out that you are not covered when the worst happens.
So use the information below to select a homeowners insurance company in Kansas that will be there when you really need them.
Things To Look For When Choosing A Homeowners Insurance Company In Kansas
- Licensing – This is very important if you are looking for quotes online. You need to make sure that the insurance company is licensed to sell insurance in Kansas. Not all companies are licensed in all states. You can check your insurance company or agent out at the Kansas Department of Insurance Website.
- Price – Get at least three quotes. After you get those three quotes you will probably want to continue shopping around. Depending on where you live, how much insurance you need, and what company you go with premiums can run between $320 and $4520, and that is for an identical policy between insurance companies.
- Financial Strength – Find out how long they have been in business and the financial rating. Any company with a rating below “A” should be approached with caution. You will also want to find out if they have had any management upheavals and how often. The more management problems a company has the higher the risk of problems with your policy or them going out of business.
- Service – Not all insurance companies provide the same services. You should look for an insurance company that can and will customize a policy to meet your needs. You will also want to find out what their reputation is for paying out claims and if there have been any complaints against the company. The Kansas Insurance Department, Better Business Bureau, and Consumer Reports can help you find out this information.
- Comfort – How comfortable are you working with this company or agent? If the agent was less than helpful in answering your questions, too pushy in trying to sell you a policy, or tries to get you to buy more insurance or extras that you don’t want and/or need, chances are you might want to consider going with a different company.
- Discounts – This is one way to save money on your KS homeowners insurance. Some companies offer discounts that others do not. For example, some companies will give a 10% discount to senior citizens, will lower rates if no one in the home smokes or offer discounts if you have all your polices through them (auto insurance, homeowners insurance, life insurance, etc).
- Business Coverage – if you are self employed and work from home you will want to find out if the insurance company can protect your business as well. Some homeowners’ policies will, others will not and you will have to buy separate insurance. You will want the insurance company you choose to be able to handle both. This way, in case you do have to make a claim, you won’t have to deal with two different companies fighting over who covers what. Using the same insurance company for your business coverage and your home coverage is not a requirement of course but it could simplify things for you when keeping records and paying bills.
- Other Miscellaneous things you might want to look at – Do they have 24/7 customer service and are their customer care people approachable? These are the people that you will have to deal with if there are any problems. How many claims do they process and how long does it take them? You don’t want to be in the situation where you need coverage to find out that your claim hasn’t been processed yet.
Kansas Homeowners Insurance Companies: Some Choices
- Liberty Mutual
- Unitrin Direct
- American Home Shield
- Farmers Insurance
- Nationwide
- Liberty Mutual
- USAA
Find A Kansas Homeowners Insurance Company Now
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Many times all it takes is just a little bit of research to put you well on your way to finding the best Kansas homeowners insurance company!
Get started finding the Kansas homeowners insurance company that will best meet your needs now!