Bieker Insurance Agency, Inc.
107 W 13th St, Hays, KS 67601
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107 W 13th St, Hays, KS 67601
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1504 E 27th St Terrace, Hays, KS 67601
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1704 Vine Street, Hays, KS 67601
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Learn about insurance coverage options specific to Hays residents.
Hays homeowners pay $1,620/year for insurance. Learn about tornado risks, hail coverage, and Fort Hays State housing impacts on your policy.
General Insurance EducationComplete insurance guide for Hays, KS residents. Learn about home, auto, and renters coverage costs, Kansas requirements, and weather risks in Ellis County.
Car InsuranceHays drivers pay $116-$201/month for auto insurance. Learn Kansas's 25/50/25 minimums, no-fault rules, Fort Hays State student discounts, and how to save.
Hays homeowners pay around $1,620 per year compared to the Kansas state average of $3,714, largely due to lower home values and replacement costs. The median home price in Hays is $300,000, which is more affordable than many Kansas metros, resulting in lower premiums even though the severe weather risks remain significant.
Yes, standard homeowners insurance policies in Kansas include coverage for tornado and wind damage. This is essential in Hays given that Kansas ranks fourth nationally for severe tornadoes, with 49 EF-4 or stronger tornadoes between 1950 and 2016. Make sure your dwelling coverage is adequate to rebuild completely if a tornado destroys your home.
Hays faces significant hail risk as part of Kansas's 312 annual hail events—the highest of any state. Hays was directly impacted by hail on October 5, 2025, along with nearby Ellis County communities. Your policy should include strong hail coverage given the frequency and severity of hailstorms in western Kansas.
Standard home insurance policies exclude flood damage, so if you're in a flood-prone area near Big Creek or other low-lying parts of Hays, you should consider separate flood insurance through the National Flood Insurance Program. While Hays isn't coastal, severe thunderstorms can produce flash flooding that causes significant property damage.
If you rent out rooms to students, your standard homeowners policy likely won't provide adequate coverage. You may need a landlord or rental dwelling policy instead, which is specifically designed to cover the unique risks associated with tenants, including liability and property damage caused by renters.
Absolutely. With Hays home prices up 11.1% year-over-year as of August 2025, your dwelling coverage needs to keep pace with current replacement costs. Review your policy annually and after major home improvements to ensure your coverage amount would fully rebuild your home at today's construction costs, not what you paid years ago.
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