Hays

About Hays

Insurance in Hays, KS

Inszone writes insurance in Hays, KS from our office at 4325 Vine St, Suite #10. The office sits on Vine Street between West 43rd and West 45th Streets in Hays, the seat of Ellis County.

This office was American Heritage Agency, a Hays agency founded in 1999 by Don Lowry, and it joined Inszone in 2024 with its address and its 785-625-2820 number unchanged. Shawn Robben, who acquired the agency in 2008, leads the office as Branch Manager. Clients who search for American Heritage Insurance in Hays, KS are looking for this office. Policies carried over.

Inszone Insurance in Hays, KS represents many carriers rather than one, which lets us compare Hays insurance options at each renewal. That matters in western Kansas, where a farm, an oilfield contractor and a household each need a different market, and where carriers can change their appetite for hail exposure from one renewal to the next.

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Personal & Farm Insurance in Hays, KS

For Hays households we write homeowners, renters, landlord, auto and farm and ranch policies, and place condo, personal umbrella, motorcycle, boat, RV and collector vehicle policies through Inszone’s personal lines team.

Hail is the defining Kansas property peril, so any home insurance in Hays, KS starts with the wind and hail deductible and the roof. The Kansas Insurance Department’s shopper’s guide notes that homeowners policies generally carry a separate wind and hail deductible of 1% to 2% of the amount of insurance on the structure, while other perils use a flat dollar deductible. On a $350,000 dwelling limit, a 2% deductible is $7,000 per claim. Flood, earthquake and sewer backup are excluded from the standard form and are quoted separately.

Renters insurance in Hays, KS is a separate policy for a tenant’s belongings and liability, written apart from the landlord’s building policy.

Drivers comparing car insurance in Hays, KS should know Kansas requires liability limits of at least $25,000 per person, $50,000 per accident and $25,000 for property damage. Kansas is a modified no-fault state, so personal injury protection is required, and uninsured and underinsured motorist coverage is required at your bodily injury limits. Auto insurance in Hays, KS is quoted with those required coverages and any optional ones side by side.

Farm and ranch properties raise different questions. Kansas farm insurance is usually built around the dwelling, outbuildings, equipment and liability for the acreage, and a specialist can go through how each carrier treats them.

Individual and group health insurance in Hays, KS is quoted through Inszone’s benefits team.

Commercial & Oil and Gas Insurance in Hays, KS

For Hays and Ellis County employers we write general liability, commercial property, workers’ compensation and commercial auto, and place business owner’s policies, umbrella, inland marine and surety bonds through Inszone’s commercial team.

Oil and gas work is part of this office’s commercial book. Oil and gas insurance in Kansas for a service company usually combines general liability, workers’ compensation, commercial auto for heavy trucks, inland marine for equipment and umbrella limits. Operators commonly want certificates of insurance and proof of workers’ compensation on file before work begins on a lease. Oilfield insurance in Kansas is rated on payroll by class code and claims history, so a specialist needs recent loss runs to compare markets.

Small construction is also part of this office’s book. Contractors insurance in Hays, KS often starts with general liability, workers’ compensation, commercial auto and inland marine for tools and equipment, plus certificates for the general contractors they work under.

Workers’ compensation insurance in Hays, KS depends on payroll, not headcount, because Kansas requires it for employers with more than $20,000 in gross annual payroll. Certain agricultural pursuits and qualifying real estate independent contractors are exempt, and sole proprietors, partners and LLC members are outside the requirement, though their employees still count toward payroll.

Inszone Insurance agency near me

Our Hays insurance office is open Monday to Friday, 8:00am to 5:00pm, with weekends by appointment. Call 785-625-2820, use the quote form on this page, or come by 4325 Vine St, Suite #10.

Our Hays insurance agency works with clients in Ellis, Victoria, Russell, WaKeeney, Plainville and Hill City as well as across Ellis County. We also work with households and employers who need insurance in Great Bend, KS, about an hour from Hays. For Hays, KS insurance, our insurance specialists can talk through the options available for your situation, whether you are checking how your roof would settle after hail, adding equipment to an oilfield policy, or reviewing a farm.

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FAQs

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 a modified no-fault state, so personal injury protection is mandatory, and uninsured and underinsured motorist coverage is required at your policy’s bodily injury limits.

Why is my wind and hail deductible a percentage?

Because Kansas homeowners policies generally carry it that way. The Kansas Insurance Department’s shopper’s guide notes a separate wind and hail deductible of 1% to 2% of the amount of insurance on the structure, while all other perils use a flat dollar deductible. On a $350,000 dwelling limit, 2% is $7,000. Flood, earthquake and sewer backup are separately excluded from the standard form.

Does my Hays business need workers’ compensation insurance?

Kansas ties the requirement to payroll rather than headcount, so 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. A specialist can confirm how the rule applies to your business.

What insurance do oilfield service companies usually need?

Commonly general liability, workers’ compensation, commercial auto for heavy trucks, inland marine for equipment and umbrella limits. The operator’s contract usually sets the limits and asks for certificates and additional insured endorsements. A specialist can review the contract alongside the policy so the two line up.

Is this the same office that was American Heritage Agency?

Yes. American Heritage Agency joined Inszone Insurance in January 2024, and this Hays office continues from 4325 Vine St, Suite #10 with the same phone number, 785-625-2820, led by Shawn Robben. Clients who look for the American Heritage insurance agency in Hays will find this office. Policies carried over.

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

Call 785-625-2820 or use the quote form on this page, and come by 4325 Vine St, Suite #10 if you would rather do it in person. For a home or car, have your current declarations page to hand; for a farm, acreage, an outbuilding list and an equipment schedule; for a business, your revenue, payroll by class code and recent loss runs.