Leavitt Group Headquarters
131 E Main St, Salina, UT 84654
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131 E Main St, Salina, UT 84654
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Salina residents.
Salina, KS drivers pay $1,645-$2,185/year for auto insurance. Learn Kansas no-fault PIP requirements, minimum coverage, and how I-70/I-135 affect rates.
Yes, standard homeowners insurance policies in Kansas typically cover tornado damage to your home, roof, and belongings without requiring a separate tornado policy. However, check your policy's wind and hail deductibles, as some insurers use percentage-based deductibles (like 1% or 2% of your dwelling coverage) for wind-related claims rather than flat dollar amounts. Make sure your dwelling coverage is high enough to fully rebuild your home if it's destroyed.
If you live near the Smoky Hill River, Mulberry Creek, or any low-lying area in Salina, you should strongly consider flood insurance. Standard homeowners policies don't cover flood damage from rivers, heavy rain, or overwhelmed storm drains. The 2025 flooding events showed that hundreds of Salina homes face real flood risk. Separate flood insurance through the National Flood Insurance Program typically costs $400 to $700 annually for moderate-risk zones.
Salina's location in tornado alley and proximity to the flood-prone Smoky Hill River make it a high-risk area for insurers. Kansas ranks ninth nationally for tornado frequency and experiences regular severe storms, hail, and wind damage. These frequent weather events drive up insurance costs significantly—Kansas has the third-highest home insurance rates in the country. Your premium reflects the statistical likelihood that your home will experience storm damage during the policy period.
Your dwelling coverage should match your home's replacement cost, not its market value. While median home prices in Salina are around $229,000, replacement cost considers current construction materials and labor prices, which can be significantly higher. After major disasters when contractors are in high demand, costs can spike even more. Consider extended replacement cost coverage that pays 25% to 50% above your dwelling limit to protect against construction cost increases.
Increasing your deductible from $500 to $2,000 can reduce your annual premium by about 7.2% in Salina. Bundle your home and auto insurance for 15% to 25% discounts. Install a monitored security system, maintain a claims-free record, and consider impact-resistant roofing. Shopping around and comparing quotes from at least three insurers is crucial, as rates for identical coverage can vary by over $1,000 annually.
Kansas doesn't legally require homeowners to carry insurance. However, if you have a mortgage, your lender will require home insurance as a condition of your loan. Even if you own your home outright, going without insurance is financially risky given Salina's severe weather threats. One tornado or major flood could wipe out your most valuable asset without coverage to help you rebuild.
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