Homeowners & Renters Shopping Guide

Last updated: October 7, 2015

Compare Prices on Policies

The Kansas Insurance Department has set up a database to help you figure out what is a good premium rate for the coverage you want. 

Information You’ll Need To Get a Quote

To get an accurate quote, you will usually need this information:

  • Coverage and limits you want
  • Description of your home
  • Loss history
  • Square footage
  • Fire and security devices
  • Distance from nearest fire department and hydrant

Questions To Ask

  • How much would I save if I increase my deductible?
  • What is not covered?
  • Is my coverage replacement cost or actual cash value?
  • Does coverage include water damage or sewer back-up?
  • Does the policy cover my jewelry, antiques, or special collections?
  • What other special coverages are available?
  • What proof do I need in case of a loss?
Click here and then click the "Start Search" button to get started!

What if You Can’t Find Coverage?

If you cannot find a company that will insure your property, the Kansas FAIR Plan may accept your property.

The FAIR Plan (Fair Access to Insurance Requirements) was created by the state of Kansas to insure property that insurance companies refuse to cover.

Things To Know About the FAIR Plan

  • Coverage for you property must be declined by three insurance companies before application can be made to the FAIR Plan
  • You can apply to the FAIR Plan through any insurance agent who sells property insurance
  • The FAIR Plan will inspect your property to determine whether you are eligible

Approval in the Plan is not guaranteed. You do not have a guaranteed right to buy FAIR Plan coverage.

This article is published on KansasMoney.gov. Find more information by contacting these state agencies: