Nicole Johnson Insurance
811 N G St, Wellington, KS 67152
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811 N G St, Wellington, KS 67152
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Wellington residents.
Wellington homeowners pay $4,457/year on average—34% above Florida's rate. Learn about hurricane coverage, equestrian property insurance, and flood risk.
Yes, you should strongly consider it. About 25% of flood insurance claims come from outside designated high-risk zones, and Wellington faces flooding from intense rainfall, hurricanes, and stormwater drainage issues. With policies averaging just $700 per year and a 30-day waiting period before coverage starts, it's smart to buy flood insurance before you need it. Wellington residents also get a 20-25% discount through the NFIP Community Rating System.
Standard homeowners insurance won't cover your horses or equestrian operations. You need specialized equine insurance that includes horse mortality coverage (protects your investment if the horse dies), equestrian property coverage (barns, arenas, equipment), and equine liability insurance (protects you if your horse injures someone or damages property). If you board horses, offer lessons, or run an equestrian business, commercial equine liability coverage is essential.
Florida ranks among the five most expensive states for car insurance, with Wellington drivers paying around $299-$418 per month compared to the national average of $169. The high costs reflect Florida's hurricane risk, high rates of uninsured motorists, insurance fraud issues, and expensive medical costs. However, rates are dropping in 2026 as major insurers reduce premiums by an average of 6.5% following recent insurance reforms.
Florida currently requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Bodily injury liability isn't required unless you're a high-risk driver. However, these minimums won't adequately protect your assets if you cause a serious accident. With Wellington's high property values, consider carrying at least $100,000/$300,000 in bodily injury coverage and $100,000 in property damage liability.
Yes, especially if you own significant assets. With Wellington's median home value exceeding $557,000, a serious liability lawsuit could threaten your financial security. Umbrella policies provide an extra $1-5 million in liability coverage for just a few hundred dollars per year. They're particularly important if you own horses or operate an equestrian business, as horse-related accidents can result in catastrophic injuries and massive lawsuits.
Wellington has specialized equine insurance agencies that understand the local equestrian community's needs, including coverage for polo ponies, show jumpers, boarding operations, and commercial equestrian facilities. Look for agencies that offer comprehensive property and liability packages specifically designed for equestrian estates, and get quotes from multiple providers to compare coverage options and pricing for your specific situation.
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