Cura Insurance
120 N 4th St, Ste E, Manhattan, KS 66502
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120 N 4th St, Ste E, Manhattan, KS 66502
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527 Fort Riley Blvd, Manhattan, KS 66502
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8637 Eagles Landing Drive, Manhattan, KS 66502
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2401 N. Seth Child Rd, Ste. 140, Manhattan, KS 66503
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2401 N Seth Child Rd, Ste 140, Manhattan, KS 66503
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Learn about insurance coverage options specific to Manhattan residents.
Manhattan, KS insurance guide: Kansas auto requirements, tornado-related home insurance costs, renters coverage for K-State students, and local agents.
Home InsuranceManhattan homeowners pay $3,403/year for home insurance. Learn how hail, tornado risk, and K-State student housing affect your coverage in Riley County.
Car InsuranceManhattan, Kansas auto insurance guide: Kansas's 25/50/25 minimums, no-fault system, K-State discounts, and coverage for US-24 & K-177 drivers in Riley County.
Manhattan's location in Tornado Alley drives higher insurance costs. Kansas ranks ninth nationally for tornado frequency with an average of 96 tornadoes annually, plus frequent hailstorms and severe wind events. Insurers price policies based on claim risk, and Kansas has seen insurance costs rise 39.8% over six years due to increased severe weather damage. Manhattan homeowners pay an average of $3,463 annually—$1,041 above the national average.
Kansas takes uninsured driving seriously. Penalties include fines starting at $300, license suspension for up to one year, and potential imprisonment. You'll also face SR-22 requirements (high-risk insurance filing) when you reinstate your license, which significantly increases your insurance costs for years. Given Kansas's affordable minimum coverage options starting around $40 monthly, the risk isn't worth the potential consequences.
Absolutely. Your landlord's insurance covers the building, not your belongings or liability. For $15-20 monthly, renters insurance replaces your stolen laptop, damaged furniture, and personal items while providing crucial liability coverage if you accidentally cause damage to the apartment or someone gets injured in your unit. Many Manhattan landlords near campus now require proof of renters insurance before lease signing, and even if yours doesn't, the minimal cost provides essential financial protection.
Kansas is a no-fault state, meaning PIP coverage pays for your medical expenses after an accident regardless of who caused it. Kansas requires minimum PIP coverage of $4,500 for medical expenses, plus benefits for disability income ($900/month), in-home services ($25/day), and funeral expenses ($2,000). This system ensures injured parties receive prompt medical care without lengthy fault determinations, though you can still sue for serious injuries that exceed PIP limits.
It depends on your location in Riley County. Standard homeowners policies don't cover flood damage, and flooding has affected multiple areas near the Kansas River and other flood-prone zones. If you're in or near a FEMA-designated flood zone, flood insurance through the National Flood Insurance Program is worth considering. Even moderate flooding can cause tens of thousands in damage. Check FEMA's flood maps for your specific address and discuss options with your insurance agent.
Kansas requires 25/50/25, but many Manhattan residents carry higher limits like 100/300/100 for better protection. Consider this: if you cause a serious accident, minimum coverage might not cover all damages, leaving you personally liable for the difference. Medical bills and property damage add up quickly, especially in multi-vehicle accidents. Higher liability limits typically cost $10-30 more monthly but protect your assets—home equity, savings, future wages—if you're sued after an at-fault accident.
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