Short answer: Kansas homeowners face frequent hail and tornado damage, and many policies use a separate wind and hail deductible. If at least three insurers decline your property, the Kansas FAIR Plan may accept your application through any licensed property agent; its basic policy covers perils like fire, wind and hail but not contents or personal liability, with theft and liability available as options. Insurers must acknowledge a claim within 10 working days and decide within 15 working days after proof of loss.
This guide is general information for Kansas homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Check your wind and hail deductible
Many Kansas policies have a separate wind and hail deductible, sometimes a percentage of the dwelling limit. Know the dollar amount before storm season. Flood is excluded from all homeowners policies; the Kansas Insurance Department points owners to the NFIP (FloodSmart).
Step 2: The Kansas FAIR Plan
According to the Kansas Insurance Department's Home and Renters Shopper's Guide:
- Your property must be declined by at least three insurance companies before you apply.
- You apply through any licensed insurance agent who sells property insurance.
- The basic policy covers perils such as fire, lightning, windstorm, hail, explosion, riot, aircraft, vehicles and smoke, but not contents or personal liability. Optional theft and personal liability coverage may be offered.
- The coverage isn't as comprehensive as homeowners insurance.
See FAIR Plan vs. surplus lines home insurance.
Step 3: Non-renewal
We couldn't confirm a Kansas statute setting a notice period for personal homeowners non-renewals (K.S.A. 40-2,122 addresses related rules). Check your policy's conditions section. Details: Kansas homeowners non-renewal rules.
Step 4: Claim deadlines
Under Kansas regulation K.A.R. 40-1-34, insurers must acknowledge a claim within 10 working days and accept or deny within 15 working days after properly executed proofs of loss. More: Kansas insurance claim deadlines.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Kansas.
Frequently asked questions
How do I qualify for the Kansas FAIR Plan?
Your property must be declined by at least three insurance companies. Apply through any licensed agent who sells property insurance.
Does the Kansas FAIR Plan cover my belongings?
The basic policy doesn't cover contents or personal liability. Optional theft and personal liability coverage may be offered.
How fast must a Kansas insurer decide a claim?
Within 15 working days after properly executed proofs of loss.
Does Kansas set a homeowners non-renewal notice period?
We couldn't confirm one in statute. Check your policy's conditions section.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.