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kansas homeowners insurance

Sure, Dorothy's time in Kansas had its troubles. But as a modern homeowner in the Sunflower State, you have the benefit of hindsight — and, more importantly, Kansas home insurance — to keep you safe and grounded.

Whether you're recovering from a Toto-tossing twister, trying to replace a stolen pair of priceless ruby kicks, or facing a lawsuit from the witch injured in (or maybe even under) your house, Kansas home insurance can help you out. You've worked hard for what you have, and homeowners insurance helps keep unforeseen incidents from devastating your family's finances and future.

Benefits of an Esurance policy

Automatic dwelling protection updates

Every time you renew your Kansas home insurance policy with us, we'll automatically check to see if reconstruction costs have changed where you live. We'll even recommend times when you might want to consider increasing the limits on your policy.

If the cost has increased, we'll update your policy and let you know how the change affects your premium. Likewise, if the cost has decreased, we'll inform you so that you can change your coverage options if you'd like. We keep you in the know so you can make the most of your home insurance.

Flexible payment schedule

What's another perk of having an affordable policy? A payment schedule that fits your lifestyle (and budget). Your Kansas homeowners insurance comes with a convenient 12-month policy term, which you can choose to pay:

  • Monthly
  • With your escrow account
  • All up front

5 percent back with claim forgiveness

If you're claim-free at the end of your term, you'll be able to get up to 5 percent of your premium back in your piggybank. But if you end up needing to file a claim, don't worry — you can still hang on to your Claim-Free discount.

Fortunately, we're human, too, which means we recognize the possibility of a one-time mishap, so your rates won't go up if you have to file a claim.

Home insurance discounts in Kansas

Your house is a source of pride, and it deserves discounts as unique and plentiful as the details that make it a home. Get a Kansas homeowners insurance quote and see which discounts you could snag.

Home Safety Features discount
If your house is equipped with everyday safety items like a water safety system or burglar alarm, not only are you doing your part to keep your home more secure, but you're making it easier for us to help save you money.

Smoke-Free discount
Choosing not to smoke at home not only keeps your family healthier and your house cleaner, but it can also save you valuable cash on your homeowners coverage.

Welcome Home discount
Rather than roll out a cumbersome welcome wagon, we want to welcome you to Esurance by giving you a discount (nice, right?). As long as you had a homeowners policy with a previous insurer, or are getting coverage for a brand-new home, you qualify for this discount on your first 2 policy terms.

Hail Resistant Roof discount
If you've helped reduce the risk of ice wreaking havoc on your roof by choosing a hail resistant material, we'll reward you for being a hands-on homeowner.

More helpful home insurance discounts in Kansas include the Claim-Free discount, Preferred Buyer discount, New Home discount, Future Effective Date discount, DIY Inspection discount, and the Loyal Customer discount.

Standard coverages in the Sunflower State

If an accident happens, you want security for what matters most to you — like your family's safety, your house, and your belongings.

Fortunately, homeowners insurance in Kansas comes with a hefty set of standard coverage options to help keep your sense of security (and savings) intact, including but not limited to:

Personal property protection
Homeowners insurance protects what's inside your place, not just the structure of your home. Your Esurance policy protects your furniture, appliances, electronics, clothes, and many other personal items against damage and theft.

Dwelling protection
No one wants to think about the possibility of wind, fire, or another covered risk ravaging their home. When choosing the amount of coverage that's right for your home, it's a good idea to invest in at least enough dwelling protection coverage to cover the total cost of rebuilding your house. Plus, you're always able to increase your coverage limit if you'd like.

Other structures coverage
When you live in a state that experiences as many tornadoes as yours does, you need a defense against as many hazards as possible. When you insure your home with us, you get protection for more than just your house — your homeowners insurance even extends to your other nearby structures, like your gazebo or carport.

Additional living expense coverage
What if a major disaster forces you out of your house? With an Esurance policy, we'll help you get your bearings after a covered incident by covering your hotel bill and other reasonable expenses for up to 12 months (up to your coverage limit), or until it's safe for you to return home.

Family liability protection
If you or someone on your policy accidentally injures someone or damages someone else's property, this coverage is a real saving grace. Your policy helps cover other people's medical fees, and your liability costs (like legal fees and settlements). Even better — no deductible is needed for this coverage to kick in.

Up your protection with more coverage

You can also choose from an array of optional homeowners coverages in Kansas to help you get the most protection from your policy, such as:

Building codes coverage

City ordinances or newer building codes could require more expensive rebuilding than your policy covers if your house is damaged. Fortunately, building codes coverage will pay the difference in cost to bring your home up to code (up to the limit you select).

Eco upgrade

Essentially, if a covered incident breaks an energy-inefficient appliance in your house, this coverage can help you upgrade to an ENERGY STAR qualified product to replace it.

Identity theft expense coverage

In case your identity is ever stolen and compromised, this coverage comes to your rescue. We set you up with a service dedicated to repairing the damage done to your name and credit, and you get access to your annual credit report and score, monthly credit file monitoring, and more. For $3 a month (or $4 for 2 people), it's an affordable way to make sure your identity stays spotless (and most importantly, yours).

Additional coverage on jewelry, watches, and furs

Basic personal property coverage alone might not always provide enough protection for your most valuable possessions. But by investing in additional coverage for especially precious belongings, you're covered if they're ever stolen or damaged.

Related links

Kansas car insurance
Get the best protection for your ride in Kansas with affordable car insurance.

Prep for tornado season
Learn how to prepare for tornadoes in your neck of the woods and what to do if one occurs while you're at home or on the road.

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