The top-rated home insurance agent in Gardner, Kansas is Joe Oldham - State Farm Insurance Agent, rated 4.9 stars across 148 reviews. Other highly rated options include MJH Insurance, Farmers Insurance - Robert Kelly Insurance Agency, Inc, T Miller and Associates Inc American Family Insurance. This directory lists 11 home insurance agents serving Gardner.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Oldham - State Farm Insurance Agent | 224 E Main St | (913) 856-6124 |
| 2 | MJH Insurance | 345 N Moonlight Rd | (913) 856-0002 |
| 3 | Farmers Insurance - Robert Kelly Insurance Agency, Inc | 235 E Main St | (913) 856-3816 |
| 4 | T Miller and Associates Inc American Family Insurance | 213 E Main St | (913) 856-6177 |
| 5 | Ample Green Insurance | 526 E Main St | (913) 372-7979 |
| 6 | Shelter Insurance - Sharla Neis | 950 E Lincoln Ln b | (913) 938-5030 |
| 7 | Farm Bureau Financial Services | 112 S Elm St | (913) 856-2197 |
| 8 | ALFT Insurance Agency Inc | 230 E Main St B | (913) 856-8050 |
| 9 | Russell Otte | 112 S Elm St | (913) 268-4222 |
| 10 | Sean Snyder | 112 S Elm St | (913) 856-2197 |
Joe Oldham - State Farm Insurance Agent serves the Gardner, Kansas, area as a home insurance agent. The company helps local homeowners protect their property with standard dwelling coverage and liability protection. It also assists clients in bundling home insurance with other personal policies for simplified management. Customers can meet with the agent to review their specific coverage needs and adjust deductibles. As part of its service, the office handles claims filing assistance and policy updates for homes in Johnson County.
MJH Insurance in Gardner, KS, provides a range of services for home insurance, including policy evaluations, coverage adjustments, and claims assistance. The agent works with clients to review their property protection needs and offers guidance on selecting appropriate homeowners policies. Maintenance of each account is handled through regular policy reviews and renewal support. This agency services a variety of properties, such as single-family homes, apartments, retail spaces, and restaurants.
Farmers Insurance - Robert Kelly Insurance Agency, Inc serves homeowners, property managers, and residential real estate investors in Gardner, Kansas, by providing home insurance policies tailored to protect their dwellings and personal belongings. The agency offers guidance on coverage options such as dwelling protection, liability coverage, and additional living expense reimbursement. Farmers Insurance - Robert Kelly Insurance Agency also extends its services to clients in the neighboring communities of Edgerton and southern Olathe.
T Miller and Associates Inc American Family Insurance serves Gardner, Kansas, and the surrounding communities in Johnson County. It handles standard home insurance policies for homeowners in the area, including coverage for the structure, personal belongings, and liability protection. For renters and condo owners, it also offers tailored policies to cover personal property and additional living expenses. The agency conducts a detailed review of each property’s value and risk factors to recommend appropriate coverage limits based on local weather and construction trends.
For home insurance needs, Ample Green Insurance in Gardner, KS offers a distinct choice between one-time policy reviews and recurring annual service for ongoing coverage adjustments. Their standard offerings include protection for the dwelling, personal belongings, liability, and additional living expenses in the event of a covered loss. Clients receive guidance on selecting appropriate deductibles and coverage limits tailored to their specific property. All service for new and existing clients at this local agency runs on a scheduled basis, typically aligned with each policy’s annual renewal cycle.
Shelter Insurance - Sharla Neis in Gardner, KS offers custom home insurance policies covering specific dwelling structures and detached personal property. The agency also advises local homeowners on liability protection and additional living expense coverage for temporary housing needs. Through careful policy review, it helps Gardner residents match coverage to their property’s unique rebuild value. During storm season, the agency assists clients in understanding how wind and hail damage claims are handled under their specific policy terms and deductibles.
As storms and changing temperatures put homes to the test each season in Gardner, Farm Bureau Financial Services helps local homeowners review their existing coverage to ensure it meets current needs. The agency provides tailored advice on protecting property from common regional weather events. Offering quotes for new policies and adjustments for established plans. After discussing policy options with a client, the agent conducts a thorough inspection of the home’s exterior and major systems before finalizing coverage.
ALFT Insurance Agency Inc in Gardner, Kansas, provides guidance on protecting homes through standard property coverage and common optional endorsements. Their specialty add-ons often include flood protection and personal property endorsements for high-value items. They help clients select policies that address typical regional weather exposures and liability concerns. The agency also works with commercial sectors, including offices, warehouses, and food service businesses, offering tailored risk management solutions for those properties.
Russell Otte provides residential home insurance services to homeowners in Gardner, Kansas, ensuring coverage for their dwellings and personal property. Commercial insurance for local businesses is also available from this agency, which serves clients throughout the Gardner area. The agent works closely with customers to tailor policies that meet individual needs and budgets. After the initial policy is placed, the agent follows up regularly to review coverage and adjust policies as life changes occur, offering repeat service between regular annual visits to maintain adequate protection.
Sean Snyder provides home insurance solutions for homeowners in Gardner, Kansas, offering coverage that protects residential property and personal belongings. The company works with clients to structure policies for common perils including fire, theft, and weather damage. Policies are designed to meet local housing needs and lending requirements. An additional specialty service is the availability of flood insurance options for properties located in designated flood zones.
What Does a a Home Insurance Agent in Gardner Cost?
The average annual home insurance premium in Kansas is around $2,000 to $3,000 for a standard policy. Costs vary by home value location construction type and coverage level. A policy with higher deductibles usually has lower premiums. This is general information and not insurance advice.
About home insurance agents in Gardner
Home insurance agents in Gardner Kansas help you find a policy that meets your needs and complies with state law. Kansas requires insurers to offer replacement cost coverage for dwelling losses. Agents can explain how local weather risks like hail and tornadoes affect your premium.
Frequently Asked Questions
What does a home insurance agent in Gardner do?
A home insurance agent helps you compare policies from different companies. They explain coverage limits deductibles and exclusions. They also assist with claims and policy changes.
Is home insurance required in Kansas?
Kansas law does not require home insurance. However your mortgage lender will require it. Most homeowners choose to buy a policy to protect their investment.
How do Kansas weather risks affect home insurance?
Kansas has frequent hail storms tornadoes and wind events. These risks can raise premiums and may require separate deductibles for wind or hail damage. An agent can help you understand your policy.
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