Kansas Auto Insurance
What is Auto Insurance?
Auto insurance helps you to protect you and your family against
financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident
and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged
or stolen.
What if I don't have car insurance?
In most states, you're
required to carry a minimum amount of liability insurance (or post a bond) and also provide
proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without
car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded.
Contact a local Kansas agent to find out what the specific requirements are in your state for car insurance quotes.
How much Auto insurance coverage should I purchase?
The required minimum coverage may not be
enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional
expenses out of pocket. You may want to speak with an agent to discuss the best auto insurance coverage for your needs and
budget.
How can I keep my auto premiums down?
Generally, the longer you drive without
major citations or accidents, the lower your premium will be. You may also qualify for discounts
based on safety features on your vehicle. We also offers an Annual Policy which keeps your rates stable for the entire
year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months.
Furthermore, you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you insure
additional cars or your home with us you can save on all your premiums. For further information, contact your Kansas
agent.
Why should I insure my car with an insurance agent in Kansas?
You
get a local professional agent in Kansas, who can offer you insurance coverage to meet your auto, home, life and small business
insurance needs, simplifying your life and enabling you to save with multi-line discounts. Your Kansas insurance agent
can talk to you about which discounts you may be eligible for. We are committed to serving the needs of our
customers, with unparalleled customer and claims service.
Kansas Motorcycle Insurance
It's about the open road, leather and chrome, bugs in your teeth. When you're out riding, the last thing you
want to worry about is whether you have the right insurance policy.
Choose the motorcycle insurance that gives you real
peace of mind while you ride. Your Kansas insurance agent offers motorcycle insurance and other types of specialty
insurance coverage. Our specialized motorcycle policy provides outstanding standard and optional coverage, including coverage
for accessories, safety-related gear and much more. We accept a wide variety of motorcycles, including: Cruisers
Touring bikes
Sport cycles
Trike conversions
Custom cycles
Classic bikes
Scooters
Mopeds
And more!
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Kansas Homeowners Insurance
Why do I need homeowners, condominium, or renter insurance?
Insurance can help you with
your peace of mind, knowing that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings
will be replaced. Types of coverages include:*
Dwellings and other structures
For most of us, our home is the single
largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your
property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for almost
any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
Dwelling Improvements, Alterations, and Additions
Condominium owners are covered for accidental
damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to
your condo insurance policy limits.
Loss assessment
Condominium owners will also receive
up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury
awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this
may vary depending on your policy.
Personal Property
Homeowners, condominium, or renters
insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table,
sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace
them.
Personal Liability
Finally, in the event someone is injured on your property
or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium
or renter policy provides liability coverage and personal property insurance should this ever occur.
*Only up to the
limits of the insurance coverages purchased.
What if I don't have insurance?
Without insurance, you'll be responsible for protecting your property, possessions and liability exposure.
For
instance, if your house burns down or is destroyed by a tornado, you'll need to rebuild your home and replace all your
damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something
like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something
happens? Something else to consider: if someone is injured on your property, they may sue you for injuries and damages
they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a
portion of your wages if you need to pay for a judgment. Available Discounts
Depending
on your state, you may be eligible for a variety of home insurance discounts.* Find out what discounts are available in your
state.
We currently offers discounts in these categories: Occupational Groups (Doctors, RNs, Dentists,
Teachers, Police, Firefighters etc...) Multi-Line Discounts (Auto/Home, Home/Life)
Home Renovation
Interior
Inspection
New Home
Nonsmoker
Protective Devices
Fire Safeguards
Age 50+
And more!
* Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary.
See the Insurance Terms Glossary for full descriptions. Get Home Insurance Quotes
For
customers interested in Auto, Home and Life insurance, we offer a quick, convenient, free online insurance quote tool.
For your convenience, your free insurance quote will include contact information for a Kansas agent near you. Of course, for
more detailed quotes, including information on available discounts and other programs, you can contact a local Kansas agent
at any time.
Ready to speak with an agent?
Find a Kansas agent near
you » Get a Home insurance quote in as little as 5 minutes
Get a quote now.»
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Kansas Business Insurance
You’ve achieved your dream of owning a business. But as you know, the boundless opportunities of business ownership
come with plenty of risk. When you’re confident that your organization’s people, property and revenue are safeguarded
from the unexpected, you can focus on what’s most important—running your business. Rated among the top tier
by AM Best, Standard and Poor’s and Moody’s, we can help protect the investments you’ve made and offer
the peace of mind you need to keep your business on the road to long-term success. Trusted by millions of customers and financially
secure for over 80 years, We has the resources and knowledge to meet your insurance needs. Let our experienced agents
create customized insurance solutions tailored to fit your business.
Your Business Insurance Options Explained
Your day-to-day operations are complex; understanding business insurance doesn’t have to be. There
are coverage options available to protect just about every aspect of your business from employee injury to natural disasters.
Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type
and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
At
a minimum, your business should have:
•Business Property Insurance that can protect your business
by funding repair or replacement of damaged physical assets when disasters such as fire, windstorms, hail or vandalism strike.
•Business Liability Insurance that can protect your business against financial losses resulting from claims
of injury or property damage caused by you or your employees and your products or services.
•Workers' Compensation
Insurance that can satisfy your employees’ medical needs in the event of an
accident or disease and make a quick
return to work possible, while removing lawsuit potential by current or former employees.
•Business Auto Insurance
that can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries
to other drivers, passengers and pedestrians for which you and your employees are liable.
•Business Crime
Insurance that can provide your business with protection from fraud, theft, forgery or robbery.
Additional
insurance options your business may need include:
•Employment Practices Liability Insurance that
can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or
future employees.
•Life Insurance for Business Owners that can help you plan for business succession, survive
the loss of a key employee or partner and retain/reward your top people.
•Retirement and Benefits for Business
Owners that can secure your financial future and that of your employees.
•Umbrella Coverage that can make
sure your business is shielded from the effects of potentially ruinous lawsuits with additional liability coverage.
•Bailee Coverage to protect you and your business if damage is done to customer’s goods, including jewelry and
clothing.
•Transportation and cargo Coverage to cover your company if goods are damaged or lost when being
transported by one of your vehicles or common and contract carriers.
•Spoilage Coverage in the event that
perishable goods are spoiled due to a mechanical breakdown or power outage.
•Non-Owned Auto Coverage if an
employee is involved in an auto accident while driving a personal automobile on company business.
Before
You Purchase
There is no such thing as one-size-fits-all business insurance coverage. Your business is
as unique as you are. After carefully reviewing your assets and potential risks, your Kansas agent will work closely with
you to build a tailored insurance solution that meets the specific needs of your business. What’s more, your agent will
take time to help you understand every aspect of the policy.
If You're Already Covered
You’ve made a sound choice to protect your organization and employees with business insurance. However, your business
has specific needs which may change over time. Reviewing your policy annually makes certain your coverage options continue
to fully protect your assets. When in doubt, contact a Kansas agent for help. We also offers lines of insurance for many
aspects of your life, both professional and personal. Ask your agent about personal coverage options that can complement your
business insurance policy.
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