Homeowners Insurance in Leawood, KS

Experts break down homeowners insurance costs, coverage, companies, and more in Leawood, KS.

Modern blue and white home with landscaping. Leawood, Kansas Homeowners Insurance.

Leawood, Kansas has a population of more than 34,000. Owning a property here will require protection for damage, injury, and liability losses that could occur. Homeowners insurance can be purchased to reduce your risk of paying out of pocket for any claims.

A Leawood, Kansas independent insurance agent can help you find the best policy for your budget. They quote through multiple carriers at once, making it super easy. Consider working with a local agent for custom coverage in minutes.

What Is Homeowners Insurance?

Leawood, Kansas homeowners insurance can help you protect one of your largest assets. This policy will pay for losses arising out of property damage and liability exposures. It provides coverage for your household so that you're not on the hook for any additional expenses.

What Does Homeowners Insurance Cover in Leawood, Kansas?

Homeowners insurance limits will be customized to each household in Leawood, Kansas. However, there are primary coverages that come standard on all homeowners policies. Check out the common coverage options below:

  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.
  • Dwelling limit: Pays for the replacement or repair of your home itself when a covered claim occurs.
  • Personal liability: Pays for bodily injury, property damage, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 

A separate flood insurance policy must be purchased in order to have coverage for flood damage to your home. Most homeowners are not aware that flooding is not a covered loss under their home policy until it's too late. FEMA-approved quotes can be run through your agent.

Common Disasters Homeowners Insurance Covers in Leawood, Kansas

Multiple disasters could strike your property at any given time. Fortunately, your Leawood, Kansas homeowners policy provides coverage for some significant catastrophes that could occur. Take a look at what's included in your home policy below:

  • Fire
  • Lightning
  • Theft and vandalism
  • Wind
  • Hail
  • Severe storms

Leawood's weather-related statistics:

  • The number of natural disasters in Johnson County: 10
  • Major presidentially declared disasters: 6
  • Emergencies declared: 2

Let's look at the top three causes:

  • Floods: 6
  • Storms: 6
  • Tornadoes: 2

How Much Does Homeowners Insurance Cost in Leawood, Kansas?

The cost of your Leawood, Kansas homeowners insurance policy depends on several items. While you won't know your exact premium without custom quotes, there are some things you can be proactive about. Below are the risk factors carriers use when determining your rates for home coverage:

  • How close you are to a fire department
  • How close you are to a fire hydrant
  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How many claims you've filed
  • The materials of your home
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance near Me

The cheapest homeowners insurance in Leawood, Kansas can be found through several carriers. Take a peek at the average home insurance costs in the state and country below:

  • National average annual premium: $1,211
  • Kansas average annual premium: $1,584

If you want to reduce insurance premiums, consider bundling your policies with the same carrier. This could give you savings of 30% or more across the board. Likewise, you could qualify for more discounts if you have a good credit score, no past claims, and a central station burglar alarm.

What Are the Best Homeowners Insurance Companies in Leawood, Kansas?

The right homeowners insurance company for you will depend on your specifics. However, there are some that rank high above the rest. In Leawood, Kansas, these are some of the home insurance companies that come highly rated:

Best Homeowners Insurance Companies in Leawood, KS Star Rating
5 star rating
5 star rating
4.5/5 star rating

The above carriers are recognized for superior claims handling and excellent customer service. Consult with your local agent to get quotes from these carriers and others like them.

How a Local Agent Can Help Find Homeowners Insurance in Leawood, Kansas

When finding the best homeowners insurance, you'll have several options. Some are better than others, and not all carriers are alike. You'll want to consult with an independent insurance agent for free to get the best policy in town.

A Leawood, Kansas independent insurance agent will quote your home insurance through multiple companies, making it super-easy. Once they find the best price and protection for your household, they will present you with a favorable policy. Connect with an independent agent to get started in no time.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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