The top-rated condo insurance agent in Gardner, Kansas is Joe Oldham - State Farm Insurance Agent, rated 4.9 stars across 157 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 condo 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 | Sean Snyder | 112 S Elm St | (913) 856-2197 |
| 10 | M.D.S.I.S MD Serving Insurance Solution | 747 E Lincoln Ln unit D | (913) 938-5017 |
Joe Oldham - State Farm Insurance Agent serves homeowners and condo owners in Gardner, Kansas, and the surrounding Johnson County area. The agency provides tailored insurance policies specifically designed for condominium ownership. These plans cover the structure within the unit, personal belongings, and liability protection. Condo insurance fills gaps left by standard building master policies. Joe Oldham - State Farm Insurance Agent helps clients understand their individual coverage needs and compare deductibles. The agency regularly handles loss assessment coverage and additional living expense claims.
MJH Insurance offers a comprehensive range of condo insurance services for property owners in Gardner, KS. The agency works closely with clients to discuss necessary coverage levels for personal belongings and liability. Service plans can be tailored to match individual policies, ensuring proper protection for both interior spaces and community structures. Routine policy reviews are provided to help clients keep their coverage current. The company primarily serves single-family homes and apartment owners within the local Gardner market.
Homeowners and property managers in Gardner, Kansas turn to the assigned local agency for condo insurance policies that protect individual units and shared building elements. The agency structures coverage to address liability, personal property, and loss assessments common in condominium associations. It serves clients by reviewing HOA master policies to identify gaps in individual unit protection. Additional services include adjusting deductibles and endorsements for high-value items. The agency also extends its condo insurance services to residents in nearby Olathe, providing the same detailed policy evaluations across the southwestern Kansas City metro.
T Miller and Associates Inc American Family Insurance serves Gardner, Kansas, and the surrounding communities in Johnson County and the nearby metro area with condo insurance policies. The agency handles coverage specifically tailored for condominium owners, including interior structures, personal property, and liability protection. It uses a consultative approach to walk clients through their homeowners association master policy and identify gaps, then structures individual policies to fill those coverage needs.
Ample Green Insurance in Gardner, KS offers both one-time policy consultations and ongoing service agreements for condo owners. Coverage generally addresses individual unit structures, personal property, liability, and loss-of-use provisions. A standard policy may also extend to building improvements made by the policyholder. Service availability is based on the nature of the consultation, with coverage adjustments and policy reviews operating on an as-needed basis according to client requests.
Located in Gardner, Kansas, Shelter Insurance - Sharla Neis provides specialized condo insurance policies that cover interior fixtures and personal liability. The agency also serves local residents with broader homeowners and renters coverage to protect their living spaces. When winter storms threaten the area, it helps condo owners secure protection against frozen pipe damage and interior water intrusion common in multi-unit buildings.
When fall storms sweep through Gardner, Farm Bureau Financial Services helps condo owners secure coverage that protects against wind and hail damage to both personal property and shared structures. This local agency works with clients to find policies that align with Kansas homeowners association requirements and building-specific bylaws. A professional agent first reviews the condo’s master policy before recommending individual contents and loss-assessment additions. An initial in-person or virtual assessment of the unit and existing declaration page begins the process.
ALFT Insurance Agency Inc works with clients in Gardner, Kansas, to secure appropriate coverage for their housing investments. The company specializes in condo insurance, helping policyholders understand their master policy gaps and fill those gaps with tailored individual unit protection. Condo owners can address personal liability, interior damage, and loss of use through these policies. Beyond residential needs, this agency also serves commercial sectors such as offices, warehouses, and food service operations.
Sean Snyder provides residential condo insurance services to clients in Gardner, Kansas. Commercial coverage is also available for local small businesses and property owners throughout the surrounding area. Policies are tailored to help protect individual units and shared building elements from common risks. Follow-up service is consistently provided between regular visits to ensure coverage remains appropriate as needs change.
M.D.S.I.S MD Serving Insurance Solution in Gardner, KS, is known for providing tailored condo insurance policies that address the specific needs of condominium owners in the region. Its service range includes coverage for interior improvements, personal liability, and loss assessment protection commonly required by homeowners associations. The company can also add on coverage for theft of personal belongings inside the unit or from common storage areas.
What Does a a Condo Insurance Agent in Gardner Cost?
Typical condo insurance costs in Gardner Kansas range from 300 to 600 dollars per year for a standard HO6 policy. Factors like unit size location and deductible choice affect the premium. High value units or those in flood prone areas may cost more. This is general information not insurance advice.
About condo insurance agents in Gardner
Condo insurance agents in Gardner Kansas help owners secure HO6 policies that cover personal property and interior walls. Kansas law requires condo associations to carry master policies but individual unit owners still need their own coverage. Agents can explain how Kansas common law affects liability and loss assessment coverage for your unit.
Frequently Asked Questions
What does a condo insurance agent in Gardner do?
A condo insurance agent helps you find an HO6 policy that meets your needs. They review your condo association master policy to identify gaps. They then recommend coverage for personal property liability and loss assessments.
Is condo insurance required in Kansas?
Kansas does not have a state law requiring condo insurance for unit owners. However most mortgage lenders require an HO6 policy. Your condo association bylaws may also mandate minimum coverage levels.
How does Kansas law affect condo insurance claims?
Kansas has a two year statute of limitations for property damage claims. For liability claims the limit is two years from the date of injury. Your agent can help you understand these deadlines when filing a claim.
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