Alex Bravos Insurance Services
520 Olive St, Suite A, Marysville, CA 95901
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Marysville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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520 Olive St, Suite A, Marysville, CA 95901
View this agency's profile to learn more about their services.
520 Olive Street, Suite A, Marysville, CA 95901
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Marysville residents.
Marysville, Kansas homeowners pay $3,500-$4,800/year for insurance. Learn about wind/hail deductibles, tornado coverage, and how to save on premiums.
Complete insurance guide for Marysville, Kansas residents. Learn about Kansas' no-fault auto requirements, tornado coverage, and property protection.
Car InsuranceMarysville, KS drivers need 25/50/25 liability plus PIP coverage. Learn Kansas's modified no-fault system, average costs, and local considerations.
Yes, standard HO-3 homeowners policies in Kansas cover tornado damage to your dwelling, including your house, detached garage, and storage sheds. However, you'll need to pay your wind/hail deductible first, which is typically 1-2% of your dwelling coverage limit, not a flat dollar amount like your regular deductible.
Kansas ranks third nationally for home insurance costs because the state experiences frequent severe weather. Kansas averages over 30 tornadoes per year and recorded 495 hail events in 2024 alone, ranking second in the nation for hail frequency. Insurers charge higher premiums to offset the increased likelihood of paying out weather-related claims.
A wind and hail deductible is a separate deductible—usually 1-2% of your dwelling coverage—that applies specifically to wind and hail damage claims. For example, if your home is insured for $250,000 and you have a 1% wind/hail deductible, you'll pay the first $2,500 out of pocket before insurance covers the rest. This is different from your standard deductible for other types of claims.
You can reduce your premiums by shopping around for quotes from multiple insurers, raising your standard deductible (though be cautious with wind/hail deductibles), bundling home and auto policies, installing impact-resistant roofing or wind-resistant upgrades, and asking about discounts for storm shelters or home security systems. Some homeowners save hundreds of dollars annually just by comparing rates.
Kansas doesn't legally require homeowners to carry home insurance, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, going without insurance in a high-risk tornado area like Marysville is financially risky and could leave you responsible for tens or hundreds of thousands of dollars in repair costs after severe weather.
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