Ashland

About Ashland

Insurance in Ashland, KS

Inszone provides insurance in Ashland, KS for families, farmers, ranchers and business owners in Clark County. Formerly Snell-Nelson Insurance Agency, our office at 202 W. 8th Avenue keeps the address and phone number local clients already know.

Our office is in the Clark County seat, a town on the Great Western Cattle Trail whose Pioneer-Krier Museum tells the story of the settlers and ranchers who shaped the area. As an independent insurance agency in Ashland, KS we work with multiple carriers, so when a renewal comes back higher than expected or a carrier no longer wants a risk, we have other markets to approach.

Hail is the defining property peril in Southwest Kansas, and wildfire is a concern for rural properties across the High Plains. Many Kansas homeowners policies carry a separate wind and hail deductible, commonly one to two percent of the amount of insurance on the structure. Flood, earthquake and sewer backup are excluded from the standard homeowners form and are written separately. An insurance specialist can show how each of these is written on a specific policy.

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Personal Insurance in Ashland, KS

Personal lines we write include homeowners and auto insurance, renters and condo policies, landlord policies for rental property and personal umbrella liability. Motorcycles, boats, RVs and classic car insurance in Ashland are available as well. Rural households often have outbuildings, private water systems and larger property footprints, so we ask about those when we quote a home.

Our home quotes show the wind and hail deductible in dollars, not only as a percentage, so the number is clear before you buy. Auto quotes compare liability limits, uninsured motorist options and deductibles across several carriers instead of one company. The Kansas minimums, and how personal injury protection fits in, are set out in the FAQs below.

Business & Farm Insurance in Ashland, KS

Farm and ranch operations are a core part of this office’s work in Clark County. We look at the home, barns and outbuildings, equipment and livestock exposures together rather than as separate accounts. Farm and ranch insurance is written differently from a homeowners policy, so an insurance specialist can go through what a given operation needs written and what it does not.

For main street shops, farm service companies, contractors, restaurants, clinics and other locally owned businesses, we place general liability, commercial property, business owner’s policies, commercial auto, inland marine, cyber liability, employment practices liability and Kansas surety bonds. Kansas measures the workers’ compensation requirement by payroll rather than employee count, and the threshold is set out in the FAQs below.

Life and health insurance are available through the office as well. An insurance specialist can review the options for an individual or for an employer group.

Inszone Insurance agency near me

If you are looking for an insurance agency in Ashland, our office is at 202 W. 8th Avenue, open Monday through Friday, and the local number is 620-635-2662. Because we work with multiple carriers, you can compare several companies in one conversation instead of calling each one. Clients of Snell-Nelson Insurance Agency keep working with the same office, and an insurance specialist can review any existing policy with you.

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FAQs

Is Inszone in Ashland, Kansas the former Snell-Nelson Insurance Agency?

Yes. Inszone Insurance Services in Ashland, Kansas, was formerly Snell-Nelson Insurance Agency, Inc., and Inszone announced the acquisition in July 2025. We are in Clark County, Kansas, and we are not affiliated with agencies named Ashland Insurance in Oregon, Massachusetts, Ohio, Wisconsin or other states that share the town name. Our office is at 202 W. 8th Avenue, and our phone number is 620-635-2662, the same number Snell-Nelson clients have used.

Why is my wind and hail deductible a percentage?

Many Kansas homeowners policies carry a separate wind and hail deductible of one to two percent of the amount of insurance on the structure, while other perils use a flat dollar deductible, according to the Kansas Insurance Department’s shopper’s guide. On a $300,000 home, two percent is $6,000. Flood, earthquake and sewer backup are excluded from the standard homeowners form and are written separately. An insurance specialist can show the deductible in dollars before you decide.

What are the minimum auto insurance requirements in Kansas?

Kansas requires liability limits of at least $25,000 per person, $50,000 per accident, and $25,000 for property damage. Kansas is also a modified no-fault state, and personal injury protection is mandatory. Uninsured and underinsured motorist coverage is also part of Kansas policies, and an insurance specialist can review how it is set on your current policy.

Does my Ashland business need workers’ compensation insurance?

Kansas ties the requirement to payroll rather than headcount, and employers with more than $20,000 in gross annual payroll need coverage. Certain agricultural pursuits and qualifying real estate independent contractors are exempt, and sole proprietors, partners and LLC members are outside it, though their employees still count toward payroll. Whether a specific farm or ranch operation is exempt depends on its details, so it is worth walking through with an insurance specialist.

How is farm and ranch insurance different from a homeowners policy?

A farm and ranch policy is generally built around the operation rather than only the house, and it can address barns and outbuildings, farm equipment, livestock and farm liability alongside the home. A standard homeowners policy generally excludes business activity on the property, which is why a working farm or ranch is usually written on a farm policy instead. Terms vary by carrier and by operation, so an insurance specialist can go through what a given policy includes.

How do I get a quote from your Ashland insurance office?

Call 620-635-2662, use the quote form on this page, or visit the office at 202 W. 8th Avenue. Your current declarations page helps, and for business coverage it helps to have revenue, payroll by class and recent loss runs on hand. If you have received a non-renewal notice, an insurance specialist can review your options with you.