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Wichita Insurance
Insurance in Wichita, KS
Wichita sits in one of the most active hail and tornado areas in the country, and roof claims are part of life here. We compare insurers for families, small businesses and contractors across Sedgwick County and beyond.
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Coverage in Wichita
What We Write in Wichita
Personal
Home, auto, flood, renters and condo, and umbrella, including the personal injury protection every Kansas auto policy carries.
Learn More →Business & Commercial
Liability, property, workers' comp, commercial auto and umbrella for every kind of Kansas business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help meeting Kansas workers' comp rules.
Learn More →Know Before You Buy
What Wichita Clients Should Know
Storm exposure and Kansas rules are what most often change coverage in the Wichita area.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- Hail claims are common. Kansas storm seasons bring frequent hail and wind claims. Many policies carry a separate wind and hail deductible, and some pay older roofs at actual cash value.
- PIP is built in. Every Kansas auto policy includes Personal Injury Protection, which pays medical bills and lost wages regardless of fault.
- Uninsured motorist is required. Kansas auto policies must include uninsured and underinsured motorist coverage, generally at the same limits as your bodily injury liability.
- Small payroll exemption. Kansas employers with a small annual payroll may be exempt from workers' comp. Most growing businesses pass the threshold quickly.
- Roofers register with the state. Roofing contractors must register with the Kansas Attorney General before working on Kansas homes and businesses.
Where We Work
Serving the Wichita area
We work with clients across the Wichita area by phone, text and email, including:
WichitaDerbyAndoverHaysvillePark CityMaizeGoddardValley CenterMulvaneAugustaEl DoradoNewtonHutchinsonWellington
State rules and coverage details: Kansas insurance
Questions
Wichita Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
What is a wind and hail deductible?
It is a separate deductible for wind and hail damage, often a percentage of the dwelling limit. We show you what it means in dollars before you choose.
How do I check that a roofer is registered?
Look the roofer up in the Kansas Attorney General's roofing registration search before you sign, and ask for their certificate of insurance.
Does my business need workers' comp in Kansas?
It depends on payroll. Kansas employers with total gross annual payroll of $20,000 or less may be exempt, but most businesses with regular employees need it. We help you confirm.
Licensing
Licensed Agents in Kansas
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold Kansas producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in Kansas.