Silverio Insurance Agency
10 S Broadway, Lawrence, MA 01843
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Lawrence households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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10 S Broadway, Lawrence, MA 01843
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lawrence residents.
Lawrence homeowners pay $3,468-$4,444/year for insurance in Tornado Alley. Learn about wind deductibles, historic home coverage, and ways to save.
Kansas requires 25/50/25 liability coverage ($25,000 per person, $50,000 per accident for injuries, $25,000 for property damage), plus $4,500 in personal injury protection (PIP) and uninsured motorist coverage matching your liability limits. These are higher requirements than many states, making Kansas insurance more comprehensive but also slightly more expensive.
Home insurance in Lawrence averages around $1,572 per year, significantly lower than the Kansas state average of $3,714. For a $300,000 home with a $500 deductible, expect to pay around $2,516 annually. Lawrence's rates are lower than much of Kansas due to being positioned in a slightly less tornado-prone area of Douglas County.
Yes, absolutely. While not legally required, renters insurance protects students from liability if someone is injured in their apartment or if they accidentally cause damage to the building. It also covers theft of belongings and provides temporary housing if the rental becomes uninhabitable. Policies typically cost only $15-30 per month.
Yes, standard homeowners insurance policies in Kansas cover wind, tornado, and hail damage. However, you'll pay your deductible out of pocket before insurance kicks in. Make sure you have replacement cost coverage rather than actual cash value coverage to ensure you can fully repair or replace damaged property without factoring in depreciation.
If you live near the Kansas River, in East Lawrence, or in other flood-prone areas, yes. Standard homeowners insurance excludes flood damage. Flood insurance is available through the National Flood Insurance Program and is relatively affordable in lower-risk zones. Given Lawrence's history of flooding, it's a smart investment for at-risk properties.
Bundle your home and auto insurance with the same company to save 15-25%. Increase your deductibles if you have adequate emergency savings. Ask about discounts for good students, security systems, claims-free history, and paid-in-full policies. Shop around every year or two—rates vary dramatically between insurers even for identical coverage.
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