Best Homeowners Insurance in Kansas of 2022 | Bankrate
Best Homeowners Insurance in Kansas of 2022 | Bankrate

Best Homeowners Insurance in Kansas of 2022 | Bankrate

It should come as no surprise that the storm-prone express of Kansas is one of the most expensive states in the nation for homeowners insurance.In fact, in 2020, the Kansas Insurance Department reported over $ 126 million in estimated storm losses from crack, hail damage and windstorms. Having a homeowners insurance policy in station can help to protect your finances against the menace of damage to your home. Finding the best homeowners indemnity in Kansas can take some research. Bankrate ’ s indemnity editorial team has analyzed the largest home indemnity companies by marketplace share in the Sunflower State. With the assistant of your research, you may find it easier to find the best Kansas home indemnity .

Best home insurance companies in Kansas

As we researched Kansas homeowners insurance companies, we took into account several factors. First, we obtained average premiums from Quadrant Information Services. We besides took into report each company ’ s available endorsements, discounts, policy features, customer gratification scores and fiscal intensity scores. If you are shopping for the best homeowners insurance in Kansas, you might want to start by getting quotes from these companies :

Home insurance company Average annual premium for $250k dwelling coverage J.D. Power score
Allstate $2,565 829 / 1,000
American Family $2,709 821 / 1,000
Auto-Owners $1,560 843 / 1,000
State Farm $2,646 829 / 1,000
Travelers $2,097 803 / 1,000


Although its average premium is only just below the state ’ second average, Allstate ’ s above-average customer satisfaction make it an appealing choice. Policies are highly personalizable, with options like yard and garden coverage, electronic data recovery, clientele property coverage and coverage for sports and musical equipment available. You might be able to lower your premium by taking advantage of the party ’ mho numerous discounts. Learn more: Allstate Insurance review

American Family

American Family ’ south average bounty is slenderly higher than the submit ’ second average, but that might be ascribable to the caller ’ randomness across-the-board coverage options. You might want to add matching siding coverage to ensure that any damaged and replaced siding matches the stay of your home. You could besides add body of water backup coverage, accredit larceny protection and monitor and equipment breakdown coverage. And AmFam does offer several discounts that might help you keep your bounty devour. Learn more: american Family Insurance review


Auto-Owners is a regional carrier based in Lansing, Michigan, and it offers coverage in 26 states, including Kansas. The company has the highest customer satisfaction score on our list adenine well as the lowest average premium. Auto-Owners has a hanker list of optional coverages to help you customize your policy, like guaranteed base replacement cost, identity larceny coverage and equipment breakdown coverage. The company besides offers several discounts, which could be contributing to the low modal agio. Learn more: Auto-Owners Insurance review

State Farm

If you like to handle your insurance needs at a local agency, State Farm might be a full choice. Although early companies on our number habit local agents, State Farm has one of the largest agent networks in the country, with over 19,000 license insurance professionals. The company sells numerous types of indemnity arsenic well as bank products, which might be appealing if you like to consolidate your fiscal products with one company. Learn more: State Farm Insurance review

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Travelers may have the lowest J.D. Power score on our list, but it could make up for it with its impressive list of optional coverages. Travelers ’ home indemnity policies are eminently personalizable, with endorsements like green home coverage, jewelry and valuable items coverage, water stand-in coverage and especial personal property coverage available to round out your protections. The caller ’ south average premium is less than the state modal, but there are several discounts that could lower your premium, like the loss-free discount rate and protective device discount rate. Learn more: Travelers Insurance review

How much is homeowners insurance in Kansas?

On average, Kansas residents pay $ 2,694 per year in home insurance premiums for $ 250,000 in dwelling coverage. This is significantly higher than the national median cost of base insurance, which is $ 1,312 annually. This is likely partially due to the high claim payouts for catastrophic storm events. In 2020, Kansas had the third-highest number of major acclaim events in the country, and in 2019, the state experienced 127 tornadoes, the third-highest number in the nation.

  • Kansas city Average annual premium for $250K dwelling coverage
    Wichita, Kansas $2,878

Kansas is share of what is called “ Tornado Alley, ” an area of the central U.S. where tornadoes are peculiarly common. Kansas homeowners policy is expensive, but not equally expensive as it could be. Homeowners in Oklahoma pay $ 3,519 per year on average, and the average home indemnity premium in Nebraska is $ 2,816 per year .

Home insurance in Kansas

When denounce for the best kansa homeowners policy, it helps to understand the coarse causes of damage in your area and what coverages can protect your finances from the cost of repairs. Choosing the right homeowners coverages can provide peace of take care against the damages your home can be subjected to .

Common causes of loss in Kansas

apart from the crack frequency, Kansas besides has an especial number of major hail events. In 2019, there were more than 50,000 entire insurance claims made due to hail loss across several product lines, including home and car. Understanding the common causes of home damage in Kansas could help you to choose appropriate coverages :

  • Water damage: Water damage can happen as a result of heavy rains, backed-up water lines, burst pipes or floods. Most homeowners insurance policies include water damage coverage to help against sudden and accidental water damage.
  • Hail damage: Hail can damage several areas of your home, including your roof and windows, which could then lead to interior water damage.
  • Wind damage: Wind damage is common in Kansas, with the state’s high incidence of tornadoes. However, wind damage can occur even if a tornado does not and can damage numerous parts of your home.

Home insurance coverage options in Kansas

now that you know the coarse causes of loss in Kansas, here are some coverages you may want to consider to protect your finances :

  • Flood insurance: Damage caused by flooding is not covered under a standard homeowners insurance policy. You will likely need to buy a separate flood insurance policy, although some companies might offer flood coverage as an endorsement. The southeastern portion of Kansas is at a particularly high risk for floods.
  • Water backup coverage: Heavy rains and clogged drain lines can often lead to water backing up in your crawlspace, basement or into any other area of your home. For this damage to be covered, you will need a water backup endorsement.
  • Roof replacement cost: If your roof is newer and in good condition, you might qualify for roof replacement cost coverage. This means that if your roof is damaged, you will get the actual cost to repair or replace it rather than getting a depreciated amount.
  • Wind coverage: Damage caused by windstorms is typically covered by standard homeowners insurance policies, but may carry a separate deductible. Understanding how your policy would respond to wind damage can be helpful.
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Because Kansas is at a relatively high risk for dwelling wrong, working with an agent to choose coverages that are appropriate for you might be worthwhile .

Frequently asked questions

What is the cheapest homeowners insurance in Kansas?

No one company in Kansas offers the cheapest coverage for everyone. Home policy premiums can be based on a count of factors, including your individual traits like your age, sex and credit seduce ( for states that allow these factors ), adenine well as information about your base, like its specific localization and gamble level, value, age and custom features. Getting quotes for the like coverage from several providers might help you find the coverage you need at a lower price .

How do I get homeowners insurance in Kansas?

To get a home insurance policy, you may first start by getting quotes. You can frequently do this on-line, or you can call a company or visit a local representation. You will need your address, identify, go steady of birth and possibly your Social Security numeral. You should besides be prepared to answer some general questions about your home, like the year built, square footage, roof long time and if it has customs features. An agent can help you decide what coverages to choose. once you have decided to buy a policy, you may have to sign an application and make a payment unless your policy is billed to your mortgage escrow history .

How can I save on my Kansas home insurance?

Homeowners policy in Kansas is more expensive than it is in many early parts of the nation, but there are ways to save. Getting quotes from several companies is often the first step because every company offers unlike rates. Taking advantage of as many discounts as possible could besides lower your premium. If you have an car insurance policy, bundling your dwelling insurance with the same party is frequently one of the biggest discounts. Keeping your home in adept condition can help you keep off price that can lead to claims, which could increase your agio.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, thoroughly credit and the follow coverage limits :

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners besides have a $ 1,000 deductible and a separate fart and hail deductible ( if required ). These are sample rates and should be used for relative purposes alone. Your quotes will differ .

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