Home insurance in Hays, Kansas
Coverage for your house, everything in it and your liability, quoted with several companies at once. Our Hays agents compare about 18 companies and help you choose.
What it covers
- Your house and attached structures
- Detached garages, sheds and fences
- Furniture, clothes and belongings
- Liability if someone is hurt on your property
- Living costs if you have to move out during repairs
Good to know in Kansas
Many Kansas home policies use a separate wind and hail deductible, often a percentage of your dwelling coverage instead of a flat dollar amount. We’ll show you what yours would be in dollars before you buy.
What we see in Hays
Spring hail
Roofs and vehicles take the most hail claims here from April through June. We check how your policy handles wind and hail deductibles before storm season.
Student rentals
Landlords near campus need dwelling policies, not homeowners policies. Renters policies for the students living there cost little and cover a lot.
Questions about home insurance in Hays
Does home insurance cover hail?
Yes, standard home policies cover hail and wind, usually with their own deductible. We’ll show you that deductible in dollars before you choose a policy.
Is flood covered?
No. Flood needs a separate policy, and there is usually a 30-day wait before it starts.
Do I have to live in Hays to use this office?
No. Our Hays office works with clients across Ellis County and beyond, including Victoria, Ellis, Russell. You can also work with any of our six offices.