Home Insurance in Salina, KS
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The Purpose of Home Insurance in Salina, KS
Located in central Kansas along the Smokey Hill River, Salina is the trading hub for wheat and specializes in the grain milling industry. The city has strong ties to education, history, and Kansas culture but maintains its small-town ambiance.
With a population of 46,896 residents as of 2021, Salina is not the largest city in the state. The median age in the area is 38.6, and the median salary is $52,702.
Property values are relatively low in the area, with the median sale price being $138,500. Still, even with affordable housing, most people need a mortgage to purchase a home. Most mortgage lenders require home insurance. Even if you can buy a house outright, home insurance in Salina, KS, is the best way to protect your house against common perils.
Selecting home insurance is a chore because of the number of insurers in the state. VIU by HUB offers a tool that allows you to compare several insurance policies simultaneously, making the choice between each easier.
The Risks That Influence Insurance Costs
Many factors go into determining the cost of insurance or its rates. A home's location, age and reconstruction costs all influence the premiums, as do the policyholder's credit and claim histories. The primary factor that weighs heavily on initial premium estimates is home location, specifically the climate and crime rates in the area.
Risks Related to Climate
Salina sits in an interesting location in terms of climate. The city is in a transitional zone between the two primary climates of Kansas: humid subtropical and humid continental. Because the city sits within a mix of each climate, it typically experiences hot, humid summers and cold, dry winters.
The main climate risk factors affecting Salina include heat and fire. While the city carries a moderate flood risk, fire and heat represent the most significant threat to properties in the area. Over the next 30 years, 53% of all properties in the city face wildfire risks. Also, residents will face longer-than-average heat waves, with several days reaching temperatures above 106°F.
Challenge of High Crime Rates
Another risk factor facing Salina, KS, residents is the high crime rate. The city has one of the highest crime rates in the country and a higher crime rate than 98% of the cities in the state. The chances of becoming a victim of a property crime in Salina is one in 28, a rate of 36 per 1,000 residents. Property crimes include burglary, arson, vandalism and theft.
Because of the higher-than-average crime rate and the unique climate struggles facing the city over the next three decades, insurance rates may be higher than other areas in the state. VIU by HUB can help you assess the premiums and rates of several policies to find one that fits your budget.
The Average Cost of Home Insurance in Salina, KS
It's no secret that Kansas has higher insurance rates than the national average. Salina is no exception. The average annual cost of home insurance in Salina, KS, is $2,765, or an average monthly price of $230.
The cost represents a typical home insurance policy. Standard policies usually cover specific perils, including fire, wind, theft and vandalism. VIU by HUB can help you compare several policies and covered perils to determine which is best for your needs and budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Sources
Salina, KS, Heat Risk Overview