Best Condo & HO6 Insurance In Kansas (Rates from $37/month!)

Written By Licensed Agent Sa ElFebruary 6, 2022

If you're like the 437,877 Kansas residents that own a condo, you might be wondering how to get the best condo insurance for your investment. 

Surprisingly, most individuals are unaware that HO6 insurance rates differ significantly between insurance companies - often by hundreds of dollars each year! 

To make sure you are getting the best deal, you should always check with more than one company when you get a ho 6 insurance quote.

So read through our post reviewing the top condo and HO6 insurance providers in Kansas before purchasing new coverage or renewing your existing policy this year.

Best Overall


progressive logo

Progressive is an A+ Superior rated company and is known as one of the most ethical insurance companies. Along with helping you shop around for coverage, they also have the "Name Your Price" tool which creates quotes based on your budget. 

More Of The Best Kansas Condo Insurance Companies Below:

Best For Shopping Rates


policygenius logo

Policy Genius is an online insurance marketplace and is our #2 pick.

Click below to get an accurate quote.

Best For First Time Condo Buyers


lemonade insurance logo

Lemonade is backed by A+ rated North American, and is our #3 Pick.

Click below to get an accurate quote.

Best For Instant Online Approvals


hippo insurance logo

Hippo is backed by A- Rated TOPA Insurance, and is our #4 pick.

Click below to get an accurate quote.

What Is The Average Annual Cost Of Kansas Condo Insurance?

The average annual cost of condominium insurance is $439, or about $37 per month. However, bear in mind that the final price will vary for all condo owners depending on where you reside, your deductible amount, liability coverage options, and other plan options.

What Affects the Costs of Your Condo Insurance Kansas?

Where you reside - The expense of condominium insurance varies from city to city depending on such factors as the presence of fire risks and criminal activity. Security measures such as security cameras or living in a guarded community can also lower homeowners insurance premiums.

Your deductible - A higher deductible implies lower monthly payments. Would you prefer to pay less each month and spend more at once or pay more each month while having a larger deductible? It depends on your budget and personal belongings. Always be mindful when viewing any Kansas condo insurance quotes.

How much coverage you need - What items are you covering? If your belongings have a value that exceeds the minimum coverage, you might want to increase the liability coverage limit on your homeowners insurance policy. However, such a change might increase the cost of your home insurance plan.

THE SIMPLY INSURANCE WAY

Condo Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get condo insurance coverage within minutes of getting your quotes and applying.

How Much Kansas Condo Insurance Do I Need?

Your condo insurance policies should have at least $300,000 to $500,000 in coverage if you can afford it. The final amount of coverage that you'll need will be determined by the expenditures of replacing various items.  

However, most condo insurance covers at least $100,000 in losses, and they generally cover the value of your unit on a condo with a mortgage. 

You should also think about additional coverage for things such as:

Your Home Office - You can't forget equipment inside your home office either. Our home offices are just as equipped as actual offices nowadays, so be mindful of the costs.

Furnishing Your Home - It's easy to stack up over $25,000 in furniture when you think about furnishing your home with dining sets, bedroom sets, and other types of chairs and ottomans.

Things Like Art - While some people collect coins and stamps, others (like myself) have an action figure collection. Anything that is considered to have Exceptional Value should be covered.

Your Personal Property - Things like your clothes, shoes, or other personal property should be accounted for in detail. You don't want a policy that can't cover all of your personal items due to a covered loss.

Use Our Calculator For Extra Help - We created a pretty cool condo insurance calculator that you can use to understand better how much coverage you need.

When you decide how much condo insurance you need, it's best to act like a detective. You should also determine if you have specific risks like an exotic pet.

What Does HO6 Insurance Cover In Kansas?

It's critical to know what your condo insurance protects and won't protect. We'll go through everything that condo insurance covers:

Personal Property Coverage

The coverage of your personal belongings is an essential part of a condo insurance policy. If your items are stolen or destroyed due to a covered loss such as fire or water damage, they will be compensated. 

This coverage will generally cover your belongings on a replacement cost basis. Replacement cost coverage is when the insurance company reimburses you what it would cost to replace the item today, not what you paid for it previously (known as actual cash value replacement. You always want to be sure you have a replacement cost policy when searching for condominium insurance.

Personal Liability

If you have ever found yourself watching an episode of Judge Jerry (Yes, Jerry Springer has a show as a judge now), you might find it odd that family and friends sue each other.  

This is precisely why you need this type of coverage; if your friend or family member is injured inside your unit, condo insurance will help pay for their medical expenses and protect you financially with legal expenses if they decide to sue. You would be surprised at how much the defense costs

Damage To Interior Structure

The one thing you have to remember is that when you buy a condo, you only own what's inside the unit. This means you still need coverage for your walls, floors, ceilings, and counter-tops, and these items are specifically covered by your condo insurance.

Loss Of Use

Suppose you can no longer live in your unit because of damage caused by a covered loss. In that case, your policy will help cover your living expenses such as hotel and travel costs or other additional living expenses while your unit is being repaired.

What Doesn't Condo Insurance Cover In The State Of Kansas?

Although condo insurance covers a lot of things, it does not cover the following items:

  • Floods
  • Earthquakes 
  • Wear And Tear
  • Nuclear Hazards
  • Intentional Injuries To Others
  • Damage From Birds,
  • Destruction From Rodents
  • Damage From Insect

What Will My HOA Master Policy Cover In KS?

The HOA's "master policy" in Kansas typically covers damage and personal injury. The Home Owners Association's policy should cover repairs to the property's common areas such as:

  • Roofs
  • Common Walls
  • lobbies or atriums
  • Stairwells
  • Elevators
  • Basements
  • fitness centers 
  • Pools
  • Ponds & Lakes
  • Playgrounds.

Is Loss Assessment Coverage included in Kansas Condo Insurance?

In Kansas, our condo insurance plans cover up to $2,000 in claim compensation. It may assist pay the common loss payment for your HOA.  

INSURANCE WHERE YOU LIVE

Condo insurance by state.

Condo Insurance Vs. Home Insurance & Renters Insurance

Condo Insurance

Condo insurance is only for your personal property and internal structures, your condo policy will cover:

  • Personal Property
  • Personal Liability
  • Medical Coverage
  • Loss Of Use Coverage
  • Coverage For Loss Assessment

Homeowners Insurance

Homeowners insurance is the best defense you can give your family from a disaster and usually covers:

  • Personal Property
  • Personal Liability
  • Medical Coverage
  • Loss Of Use Coverage
  • Loss Assessment 

Renters Insurance

Renters insurance is only for your personal property, your renters policy will usually cover:

  • Personal Property
  • Personal Liability
  • Medical Coverage
  • Loss Of Use Coverage
  • Loss Assessment Coverage

Is Condo & Townhome Insurance The Same Policy?

A townhouse owner is generally responsible for both the inside and outside of the property since everything on the lot it's built on is their responsibility. 

A condo-unit insurance policy is an HO-6, whereas a townhome insurance policy is an HO-3.

Is H06 Condo Insurance Required By Law In Kansas?

Although there are no laws in Kansas requiring condominium homeowners to obtain insurance, obtaining a policy is the best thing you can do for your condo unit. 

Your primary residence will be one of the most important purchases you'll ever make, not insuring it would be a big blunder. 

Also, keep in mind that just because it isn't required by law doesn't mean your mortgage lender or condo association won't require it.

Can A Mortgage Lender Require Condo Insurance Coverage In Kansas?  

Yes, before you can officially buy your condo, your mortgage lender will require that you purchase condo insurance. 

Once you pick the insurance company that you think would be best to cover your newly bought home, they’ll tell you your premium, and you’ll set your coverage to begin on the day of your closing.  

Your lender will want you to have homeowners insurance lined up and ready to go before you come to the closing.

THE SIMPLY INSURANCE WAY

Condo Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get condo insurance coverage within minutes of getting your quotes and applying.

How Can I Get A Condo Insurance Quote Online In Kansas?

You can get quotes on your condo and coverage online in Kansas, here, at Simply Insurance.

Buying coverage online is the quickest and simplest method to obtain coverage.

All you have to do is click here to get some instant quotes and get covered today.

Kansas Condo Insurance Frequently Asked Questions


What is the average monthly cost of condo insurance in Kansas?

The typical condo insurance cost per month is around $37. in Kansas. However, keep in mind that final rates and costs all depend on your specific needs and situation.

Is condo insurance expensive?

No, compared to a traditional homeowners insurance policy, condo insurance isn't that expensive.

Is insurance higher on condos?

Depending on your specific situation, insurance is usually NOT higher on condos than it is on a traditional single-family home. The primary reason is that someone living in a Condo will need less coverage for their home, which in turn means they will pay less on a monthly basis.

Do you really need condo insurance?

It's always a good idea to get condo insurance. Even if you don't have any valuables, you may want liability protection. Most condo homeowners associations also demand that owners carry insurance.

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