Home Insurance in Wichita, KS

Having a policy for home insurance in Wichita, KS, covers major damages and replacement of your home and personal belongings after certain covered perils.
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Living in the Air Capital of the World

Wichita is the largest city in Kansas with just over 396,000 residents. The city is known as the "Air Capital of the World" due to its rich history of aviation manufacturing. This goes back almost a century starting with Clyde Cessna, an early aviation entrepreneur who founded his namesake company in 1927. Wichita has been home to numerous aircraft manufacturers, including Cessna, Learjet and Boeing, among others. Locals and visitors can get caught up on all things aviation at the Kansas Aviation Museum.

Wichita stands an affordable place to call home. Although the cost of living is a little higher than the state average, it's below the national average in several aspects, including healthcare, transportation and services. Housing costs are 29% lower than the national average. The median property value here is $145,300, which is less than three times as much as the median household income of $56,000. Even with such an affordability ratio, most Wichitans can't afford to replace their home with their finances. Having home insurance in Wichita, KS, is a must.

Knowing Threats to Your Residence

As a Wichita homeowner, you should understand specific threats to your home. Wichita lies within the region of the country known as œTornado Alley and sees a higher amount of tornado activity than other cities. Tornadoes can significantly compromise or destroy the structure of your home. Other natural disasters that are issues here include severe thunderstorms, hailstorms, flooding and blizzards. Whether you enjoy a riverfront view in Riverside or a new build in Westlink, you'll want to protect yourself from the potential ruin of a natural disaster.

Protecting Your Home

You're not required by law to have home insurance in Wichita, KS, but you may have to carry a policy if you financed your home. Generally, your policy should cover the following :

  • Dwelling and other structures, such as a guest house or detached garage
  • Personal belongings in your home
  • Temporary living expenses if you cannot stay at your property while it is being repaired
  • Personal liability to cover bodily injury or property damage to others as a result of your actions
  • Medical bills for others who may experience harm as a result of your actions

It's important to know what your policy covers and the coverage limits. For example, most policies have a limit on personal property that may not be enough for expensive jewelry and fine art. Also, most home insurance does not include protection for flooding and earthquakes. VIU by HUB helps you figure out what's available and where you may need additional coverage.

Insuring Your Home

Wichitans pay, on average, $3,250 annually for coverage. exceeding the average for Kansas and the national average of $1,820. Several factors directly influence your annual premium:

  • Location: Homes in area with higher occurrences of natural disasters or crime are more expensive to cover.
  • Age and condition: Older homes generally cost more to insure.
  • Replacement cost: The higher it costs to replace your home, the more you'll pay for coverage. This is a function of both the property value and size.
  • Credit score: Policyholders with better credit histories generally pay less.

You may qualify for several discounts to lower your annual premium. When you compare quotes and policies with VIU by HUB, you can save money on finding home insurance in Wichita, KS, that is right for your property and the people that dwell within. Start your search today.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census Bureau

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Kansas Insurance Department


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