Homeowners Insurance in Prairie Village, KS

Experts break down Prairie Village, KS homeowners insurance costs, coverage, companies, and more.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Black trim windows and red front door on white house. How to Find the Best Homeowners Insurance in Prairie Village, Kansas.

Prairie Village is a city in Johnson County, Kansas. It is part of the Kansas City metropolitan area and has nearly 23,000 residents.

Homeowners in Prairie Village, KS need a reliable homeowners insurance policy to protect their investment in their homes. Homeowners insurance helps you recover financially when your home or belongings are damaged.

A local independent insurance agent can help you find the best homeowners insurance in Prairie Village, KS.

What Is Homeowners Insurance?

The primary purpose of homeowners insurance is to protect you from the costs of property damage caused by events like fires, storms, tornadoes, theft, and so on. Your homeowners insurance should reimburse you for the cost of repairing or rebuilding your home and replacing damaged possessions.

Homeowners insurance also provides liability insurance, which protects you if you or a family member are sued for negligence.

What Does Homeowners Insurance Cover in Prairie Village, KS?

Your Prairie Village, KS home insurance policy covers numerous risks you may face as a homeowner, including damage caused by fires, severe weather, theft, etc. Your policy includes the following types of property coverage:

  • Dwelling coverage: Pays to repair or replace your damaged home and will even pay out the value of your home if it is a total loss.
  • Contents coverage: Pays for damage to your insured personal property, such as furniture, clothing, artwork, etc.
  • Other structures coverage: Covers any detached structures on your property (e.g., sheds, fences, detached garages).
  • Loss of use coverage: Pays for additional living expenses (hotel bills, food, etc.) if you are forced to live somewhere else while your home is being repaired.

You will want to ensure sufficient dwelling coverage to repair or rebuild your house and enough contents coverage to repair or replace all of your personal property fully. If a catastrophic event like a fire destroys your home, you will have some financial support.

Homeowners insurance in Prairie Village, KS also includes homeowners liability coverage. It protects you when someone claims you have caused an injury or property damage. It covers the injured party's expenses (e.g., medical bills, property repairs) and your legal fees if you're sued. After a lawsuit, it can even cover financial settlements or court-ordered judgments.

What Isn't Covered by Homeowners Insurance in Prairie Village, KS?

Homeowners insurance covers a wide range of problems that homeowners can encounter. But, it’s important to recognize that homeowners insurance policies in Prairie Village, KS do not cover damage caused by flooding.

Flooding can be a problem in Kansas. It is one of the top five risks for homeowners in the state. Fortunately, Prairie Village has a minor flood threat. 673 properties in Prairie Village have a greater than 26% chance of being severely affected by flooding over the next 30 years. This represents only 2% of all the properties in Prairie Village.

Since homeowners insurance does not cover flood damage, you may still want to consider purchasing flood insurance to supplement your home insurance policy. When you buy a policy through the National Flood Insurance Program (NFIP), you can affordably get up to $250,000 in structural coverage and $100,000 in contents coverage for your home.

In addition to excluding coverage for flood damage, the liability coverage in your homeowners insurance policy in Prairie Village, KS will not protect you in all situations. If you hurt someone because of an intentional act, your liability coverage will not cover you. You can find all the exclusions to your liability coverage in your policy documents.

And remember, whether you purchase a basic policy or a policy with more comprehensive coverage, almost all homeowners insurance policies in Prairie Village, KS will exclude coverage for damage caused by the following:

  • Ordinance or law (e.g., demolition or construction required to bring your house up to code)
  • Earth movement (e.g., earthquakes, sinkholes, landslides)
  • Water damage due to floods, sewer back-ups, and water that seeps through the foundation
  • Power failure
  • Neglect
  • War
  • Nuclear hazard
  • Intentional acts
  • Governmental action (e.g., destruction, confiscation, or seizure of covered property by any governmental or public authority)
  • Loss to property resulting from faulty zoning, bad repair or workmanship, faulty construction materials, and defective maintenance.

Be sure to understand your policy's exclusions when purchasing your homeowners insurance in Prairie Village, KS.


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How Much Does Homeowners Insurance Cost in Prairie Village, KS?

Kansas ranks 5th in the nation for the average cost of homeowners insurance. While the average cost of coverage is higher than the national average, comparison shopping can help you find the best policy for your needs and budget.

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

When you receive quotes for homeowners insurance in Prairie Village, KS, expect your premiums to be more or less than average. Everyone’s homeowners insurance rates are different because insurance costs are based on your individual home's characteristics and the amount of coverage you need. 

The type of home you have (one-story, townhome, two-story, etc.) and its age, size, and value are the first characteristics that insurance companies use to determine your home insurance rates. They also consider the types of materials used in your home's construction, as well as several other factors, such as:

  • Your claims history and credit score
  • Your coverage limits and the deductible that you choose
  • The crime rate and weather risks in your city or ZIP code
  • Whether you are bundling your coverage with other policies like car insurance

The best way to ensure that you get the best price is to shop around. An independent insurance agent can get quotes from multiple insurance companies, so you can compare costs and coverage and make the best choice for your needs and budget.

What Common Disasters and Claims Are Covered by Homeowners Insurance in Prairie Village, KS?

Prairie Village, KS homeowners may be affected by various disasters and other reasons to file an insurance claim. Kansas has experienced 79 federally declared disasters since 1953. And the top five property risks for homeowners in Kansas are:

  • Severe storms and lightning
  • Flooding and water damage
  • Tornadoes
  • Fires
  • Burglary and other property crimes

Most of these are generally covered by homeowners insurance in Prairie Village, KS, except for flood damage.

If you experience a break-in, burglary, or other property crime, it's good to know that your home insurance can help you recover from your loss. This is important for residents of Prairie Village, KS, because the statewide burglary rate in Kansas is higher than the national average:

  • Number of burglaries per 1,000 people in the US: 3.76
  • Number of burglaries per 1,000 people in Kansas: 4.31

Keep in mind that many insurance companies offer home insurance discounts to policyholders who have security features installed in their homes, including things like burglar alarms, video surveillance systems, barred windows, and deadbolt locks. Be sure to ask your insurance agent about any potential home security discounts you may be eligible for.

Cheap Homeowners Insurance Near Me

Everyone has a household budget, so finding the best rate on home insurance in Prairie Village, KS is essential. But buying cheap homeowners insurance can also lead to problems down the road.

In other words, “cheap” and “best value” are not always the same. The best way to approach your search for homeowners insurance is to shop around, not just for the cheapest policy, but also for the policy that offers the best coverage to protect your home and fits your budget.

If you don't have enough homeowners insurance when something goes wrong, the financial consequences could be far more devastating than spending a few extra dollars a year to ensure adequate coverage.

Many different factors influence the cost of your homeowners insurance, from how claims reimbursements are calculated to whether or not certain types of losses are covered. You can usually offset better coverage by choosing higher deductibles.

The best strategy is to discuss these issues with your independent insurance agent before deciding which policy offers the best value for your needs and budget.

What Are the Best Homeowners Insurance Companies in Prairie Village, KS?

Finding the best homeowners insurance companies in Kansas can be simple. A local independent insurance agent can help you get home insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Homeowners Insurance in Prairie Village, KS?

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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