Mccune-Robinson, Inc Dba MRH Insurance Group, Inc
725 West Cherry Street, Chanute, KS 66720
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725 West Cherry Street, Chanute, KS 66720
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1530 S. Sante Fe, Chanute, KS 66720
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208 N Lincoln Ave, Chanute, KS 66720
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Learn about insurance coverage options specific to Chanute residents.
Chanute homeowners face tornado risk and higher premiums. Learn coverage options, costs, and ways to save on home insurance in Southeast Kansas.
Car InsuranceChanute, KS drivers: Learn Kansas's modified no-fault system, required coverage, average costs, and local risks on US-169. Get the protection you need.
Yes, standard homeowners insurance policies cover tornado damage to your dwelling, other structures, and personal property. However, some insurers in Kansas exclude wind coverage or impose higher deductibles (often 2% to 5% of dwelling coverage) specifically for wind and hail damage. Always review your policy to confirm wind coverage is included and understand your deductible.
Kansas has the 12th highest home insurance rates in the country because it's located in Tornado Alley. The state faces elevated risk from tornadoes, hail, and severe storms, which means insurers pay out more claims. Combined with rising reconstruction costs, this drives premiums up to an average of $3,714 annually compared to the national average of $2,422.
Standard homeowners insurance doesn't cover flood damage, even from severe storms. If your property is at risk of flooding from heavy rain or nearby waterways, you should seriously consider flood insurance through the National Flood Insurance Program or a private insurer. Tornadoes and severe storms often bring torrential rain that can cause flooding even in areas not traditionally considered flood zones.
Your dwelling coverage should equal the full cost to rebuild your home from the ground up at current construction prices, not your home's market value. With Chanute's median home value around $84,000, your rebuilding cost might be similar or even higher depending on materials and labor costs. Get a replacement cost estimate from your insurer or a contractor to determine the right amount.
Yes, there are several ways to reduce your premium without sacrificing coverage. Shop around and compare quotes from multiple insurers, increase your deductible if you can afford the higher out-of-pocket cost, bundle home and auto insurance for multi-policy discounts, and ask about discounts for security systems, roof updates, or other home improvements. These strategies can save you hundreds of dollars annually.
Replacement cost coverage pays to rebuild or replace damaged property at today's prices without deducting for depreciation. Actual cash value coverage subtracts depreciation, giving you less money. For example, if your 15-year-old roof is damaged, actual cash value might only cover a fraction of replacement cost. Always choose replacement cost coverage to avoid being underinsured after a loss.
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