Kansas HOA and condo insurance, where no statute sets the property floor, so the declaration and the lender do. The governing documents and the Fannie Mae standard control, in a severe hail and tornado market

Kansas governs common-interest communities primarily under the Kansas Uniform Common Interest Owners' Bill of Rights Act, K.S.A. 58-4601 et seq., effective in 2011. That act is a deliberately limited adoption of the Uniform Common Interest Ownership Act. It covers governance, budgets, assessments, records, owner voting, and rulemaking, but it does not adopt the Uniform Act's insurance section, so it sets no property-insurance amount and no replacement-cost percentage.

The older Kansas Apartment Ownership Act, at K.S.A. 58-3125, likewise sets no statutory floor. It provides that the board shall obtain insurance on the property against fire and other hazards where required by the declaration or bylaws, by a majority of the owners, or at a first mortgagee's request, and only in such amounts as are required or requested. The governing documents and the lender, not the statute, set the standard.

In practice that means a Kansas association's property obligation is defined by its own declaration and by any lender whose loans touch the project. Because the Fannie Mae Selling Guide (section B7-3) requires 100 percent replacement-cost coverage for a conventional loan to be warrantable, the lender bar is usually the effective floor. Size the master policy to full replacement cost and the declaration's terms, and confirm the fidelity and liability limits the same way, since no Kansas statute fixes those figures either.