I am buying my first home in another state but I have a few questions. I want to buy it in Kansas and the bank is asking how much I am paying for hazard insurance. What is that? Also, The bank the owner wants me to go through is demanding 20% down but I only have 5% (it is a 50,00 house), do I have to go through their bank? Last question, the real estate agent says that Kansas is a non-disclosure state and therefore will not answer questions about the house nor can I get a preliminary full inspection. Is this how it is normally?