Condo Insurance in Kansas

Experts break down condo insurance in Kansas, including costs, coverage, companies, and more.

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Whether your condo is located in Wichita, Overland Park, or Kansas City, the Sunflower State has many great urban centers with condominium communities from the cozy to the luxurious. But finding the perfect condo may be easier than finding the right condo insurance policy to protect your investment.

An independent insurance agent in Kansas can help you understand condo insurance and find the best coverage for your needs. A local agent can help you get quotes from multiple insurance companies to make the best choice.

What Is Condo Insurance?

Condo insurance in Kansas, also known as an HO6 insurance policy, differs from renters and regular homeowners insurance. Condo owners typically need to insure only a portion of the building in which they live and their personal property. Your condo owners association will carry an association master policy, which insures the building(s) and the common elements.

Most association master policies will fall into one of the three following categories. You must know what type of coverage your association master policy provides to purchase the right coverage for your unit.

  • Bare walls coverage: Insures the basic elements of a building’s structure (walls, roof, floors, elevators). Still, it requires the unit owners to obtain coverage for interior features like countertops, bathroom and kitchen fixtures, flooring, appliances, carpet, cabinets, wall coverings, and other items inside individual units. Owners might also need to purchase coverage for the interior walls of their units.
  • Single entity coverage: Insures the basic structure and specific items in individual units other than the owners’ personal property. Items not covered include improvements made at an owner’s expense and builder-installed things like countertops, fixtures, carpeting, etc.
  • Modified single entity/all-in coverage: Protects fixtures, installations, or additions/improvements within the interior surfaces of individual units' perimeter walls, floors, and ceilings. Unit owners have a more limited need for coverage under these association master policies.

There can be many variations within these basic types of association master policies. You need to know what you own when you buy the unit. Then with the help of an independent insurance agent in Kansas, you can determine how much coverage you need for your personal property and any structural elements you need to purchase coverage for.

What Does Condo Insurance Cover in Kansas?

A typical condo insurance policy in Kansas provides the following types of coverage:

  • Building property coverage: Covers damage to any parts of the unit itself (walls, fixtures, etc.) that the unit owner must cover according to the association master policy.
  • Personal property coverage: Covers damage to the condo owner’s personal property, including furniture, clothing, artwork, electronics, etc.
  • Liability coverage: Covers medical expenses, repairs, and legal fees if someone is injured in your unit or if you damage someone else’s property.
  • Loss of use coverage: Provides certain temporary living expenses (e.g., lodging, meals) if your unit is uninhabitable after a covered loss (e.g., after a fire).

Like homeowners insurance, the property coverage in a condo insurance policy covers your property when it is lost, damaged, or destroyed by specifically covered perils. In general, condo insurance covers damage caused by:

  • Fire and smoke
  • Explosions
  • Wind and hail
  • Theft
  • Vandalism
  • Lightning
  • Burst pipes

There may be additional covered perils depending on the policy that you buy. The association master policy that your condo association has will affect the types and amount of condo insurance that you need.

And remember that condo insurance in Kansas won’t cover everything. Like homeowners insurance, your condo insurance may help cover water damage caused by burst pipes, rain, and ice dams, but it may not cover sewer or drain backups or water damage caused by floods.

You can probably purchase a sewer backup endorsement to your condo insurance policy if necessary. And flood damage can be covered with a separate flood insurance policy purchased from the National Flood Insurance Program (NFIP), which is administered by the federal government.


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Do You Need Hazard Insurance for Your Condo in Kansas?

Hazard insurance is a term that is typically used by mortgage lenders who have a financial interest in a home. Hazard insurance is not a separate insurance policy. It is simply the part of a homeowners insurance policy that covers the structure of the home, also known as the dwelling coverage portion of the home insurance policy. It covers damage to the structure of the home caused by certain hazards such as:

  • Fire
  • Hail
  • Lightning
  • Theft
  • Vandalism
  • Fallen trees
  • Vehicles that run into your home
  • Explosions

These kinds of events certainly happen in Kansas. In fact, severe storms with lightning damage are the most common type of natural disaster in the state.

But when you own a condo, you're typically only responsible for insuring the interior of your unit and your personal property, depending on the specifics of the association master policy. Repairs to the outside of the building, exterior walls, hallways, elevators, and so on, would generally be the condo association's responsibility.

While not technically the “hazard insurance” that a mortgage lender might require, the personal property portion of your condo insurance policy should be written to cover your belongings and any physical parts of your unit that you’re financially responsible for (based on the association master policy) if they’re damaged by the types of hazards described above.

How Much Does Condo Insurance Cost in Kansas?

The average annual condominium insurance premium in Kansas is $413. But your condo insurance premiums may be higher or lower than average. A good rule of thumb when thinking about your condo insurance costs is to understand how certain characteristics of your condo influence how “risky” an insurance company might think that it is to cover. The following characteristics are often used to calculate the premium for a condo insurance policy in Kansas:

  • The crime and weather risks in your zip code
  • The construction materials used in your condo
  • The value of your condo
  • How much coverage is provided by the association master policy, and how much coverage you need to fill the gaps
  • The coverage options, coverage limits, and deductibles that you choose

An independent insurance agent can help you understand your condo insurance quotes in Kansas, and can help you find a policy that fits your budget.

What Are the Best Condo Insurance Companies in Kansas?

Local independent insurance agents make comparison shopping for condo insurance easy. They can obtain quotes from the best condo insurance companies in Kansas, and ensure that you’re getting your policy at a competitive price.

Why Shop Condo Insurance with a Kansas Independent Insurance Agent?

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice. 

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.

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