Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Homeowners in Kansas pay an average of $3,856 per year for a $300,000 home insurance policy with a $1,000 deductible, which is higher than the national average cost of $2,529 per year.
Considering that Kansas is famous for tornadoes — including those that carry farm girls (and their little dogs, too) to Oz — it makes sense that homeowners in the state pay higher home insurance premiums than the average American. Two Kansas counties have a very high risk of tornadoes, while another five face a moderately high risk of twisters.[1]
But even with this increased risk of natural disasters, Kansans can find a home insurance policy to keep their houses safe. Here’s what you need to know about comparing quotes and finding the best Kansas homeowners insurance.
Quick Facts
Armed Forces Insurance Exchange, Auto-Owners, Allstate, and Farmers have the best home insurance rates in the Sunflower State, according to Insurify data.
As of July 2024, the average home value in Kansas is $233,625, compared to the national average home value of $363,438, according to data from Zillow.
Kansas experiences approximately 5,000 reported wildfires each year.[2]
Best home insurance companies in Kansas
The best home insurance company in Kansas won’t be the same for every homeowner. Many good homeowners insurance options are available to Sunflower State homeowners, and it’s important to shop around to find the right one for your coverage needs.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly Premium
Best For
Armed Forces Insurance Exchange
NR
$99
Cheapest rates
Auto-Owners
7.4
$235
Customer satisfaction
Allstate
8.2
$198
Policy customization
Farmers
8.4
$137
Eco-friendly homes
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: Armed Forces Insurance Exchange
Kansas is home to 20,578 active-duty service members and 14,251 National Guard and reserve members.[3] Kansas veterans, active-duty members of the military, and their families can get the cheapest homeowners insurance in the state through Armed Forces Insurance Exchange.
If you qualify for a policy with this insurer, you can access a number of important optional coverages, including earthquake, flood, water backup and sump overflow, and animal liability coverage. You may also qualify for a number of discounts and credits for things like installing central station burglar and fire alarms, implementing windstorm-mitigation features, and living in a gated or guarded community.
Pros
Online resources and tools geared toward military members’ needs
Renters, auto, business, and pet insurance available
Cons
Only available to military members and their families
No mobile app
Best insurer for customer satisfaction: Auto-Owners
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$235/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$361/mo
With its focus on providing excellent customer service and fostering relationships between agents and policyholders, Auto-Owners embodies the midwestern values of its Lansing, Michigan, headquarters. This insurer offers affordable rates and a robust menu of discounts, including those for multiple policies, installing home protective devices, paying your policy in full, and being mortgage-free.
Pros
Above-average J.D. Power customer satisfaction rating
AM Best financial strength rating of A++ (Superior)
Cons
Low mobile app ratings on App Store (3/5 stars) and Google Play Store (3.5/5 stars)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
631
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$198/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$258/mo
Making sure you have the right insurance coverage for your needs can sometimes require policy customization. With Allstate, you can create a policy that meets your specific coverage needs without forgoing necessary coverage or paying for unnecessary protection.
Some of Allstate’s optional homeowners coverages include identity-theft restoration, electronic data recovery, and a unique HostAdvantage policy that covers your personal property if you’re home-sharing.
Pros
Optional green-improvement coverage pays to replace damaged covered property with energy-efficient versions
No list of dog breeds banned from homeowners insurance coverage
Cons
Higher-than-average number of homeowner complaints on the National Association of Insurance Commissioners (NAIC) consumer complaint index
Below-average J.D. Power customer satisfaction rating
Best insurer for eco-friendly homes: Farmers
eco-friendly homesFarmers
Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
609
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$137/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$208/mo
Farmers makes it easy to manage policies digitally, with a number of online tools and a highly rated mobile app. This insurer has multiple discounts for environmentally conscious housing choices, including for having Energy Star, LEED, and EPA green certifications, as well as discounts for homes with asphalt or fiberglass roof shingles approved by UL.
Pros
Extended and guaranteed replacement cost options available
Many home insurance discounts available
Cons
Below-average J.D. Power customer satisfaction rating
Not the cheapest rates in Kansas
Find Cheap Home Insurance in Kansas
Compare quotes from the top 120+ insurance companies
The average cost of home insurance in Kansas is $3,856 per year, or about $321 per month, for a $300,000 dwelling policy with a $1,000 deductible. This is higher than the national average cost of $2,529 per year for the same level of coverage.
Kansas home insurance rates are higher than the national average in part because of the increased risk of natural disasters in the Sunflower State. As part of Tornado Alley, many cities and counties in Kansas are more likely to experience severe storms, heavy rain, and wind damage, all of which can increase home insurance costs.
Good to Know
You do have some control over your premium costs since the coverage limits and deductibles you choose can make a big difference in how much you pay for insurance. Understanding your coverage and deductible options can help you find the right policy for an affordable price.
Cost of homeowners insurance by dwelling coverage amount
Dwelling coverage is the part of your home insurance policy that protects the physical structure of your house. If there’s damage to the structure of your home — which may include attached structures, such as garages — dwelling coverage will pay to repair the damage.
The Kansas Department of Insurance and other insurance professionals recommend homeowners purchase enough dwelling coverage to pay for at least 80% of the replacement cost of rebuilding the home. Just remember that increasing your dwelling coverage will also raise your premiums. Researching your dwelling coverage options can help you make the best choices for your peace of mind.
In the table below, you’ll find the average rates for Kansas home insurance policies with different levels of dwelling coverage for policies with a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
When you make an insurance claim, you’re responsible for paying a set amount of money — the deductible — before the insurance coverage kicks in. Your insurance rates depend partially on your deductible, with a higher deductible corresponding to a lower premium rate.
Increasing your deductible can be a savvy way to lower your homeowners insurance costs, although you should make sure you can afford to pay for a higher deductible in the event of a natural disaster or other covered loss.
Here’s how Kansas homeowners insurance policies are priced based on deductible for policies with $300,000 in dwelling coverage:
A number of factors determine how much you’ll pay for homeowners insurance. While some factors are outside of your control, you can use several strategies to ensure you have the best coverage at the most affordable rates:[4]
Compare quotes. In addition to different coverage offerings, insurance companies also use different factors to set your premium amounts. Shopping around among multiple insurers can help you find the right homeowners insurance at the lowest rate.
Bundle other insurance policies with your home insurance. Buying multiple insurance products from the same insurer — such as auto insurance, home insurance, and life insurance — will often score you a discount on all your policies.
Increase your deductible. An easy way to lower your premium rates is by opting for a higher deductible. This may lower your insurance costs, but remember that you’ll have to meet the higher deductible if you have to make a claim for property damage or lost or damaged personal belongings.
Ask about discounts. You may qualify for a number of common insurance discounts, including those for new homes, green construction materials, paying in full, setting up automatic payments, seniors, loyal customers, claims-free customers, military members, and securing your home against disasters and theft.
How much homeowners insurance do you need in Kansas?
Kansas doesn’t have a legal requirement for homeowners to carry a home insurance policy. This makes it different from auto insurance, which the state requires for anyone who gets behind the wheel. But even though Kansas doesn’t mandate home insurance products for property owners, lenders will require it as a condition of the loan for any homeowner with a mortgage.
As for how much coverage you need, it’s helpful to start by determining exactly what your home insurance policy covers since not all perils are considered a covered loss.
For example, one major gap in standard homeowners insurance is flood protection, which insurers almost never include in a typical home insurance policy. If you live in a high-risk flood zone, you’ll need to purchase a separate flood insurance policy either from the National Flood Insurance Program or from one of many private companies that offer flood damage protection.
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What are some of the biggest risks when owning a home in Kansas?
Homes in different states face different climate- and location-related risks. But even within the Sunflower State, your ZIP code can experience very different perils compared to other Kansas locations. Local weather patterns, climate, theft and property crime statistics, and proximity to fire stations can all affect your particular risks.
The most common risks to homes in Kansas include:
Tornadoes
You may associate tornadoes with Kansas, but only two Kansas counties — Johnson and Sedgwick — have a very high risk of twisters, according to the Federal Emergency Management Agency (FEMA) National Risk Index. Another five counties — Douglas, Reno, Saline, Shawnee, and Wyandotte — have a moderately high risk of tornadoes. Standard homeowners insurance policies typically cover tornado damage, so you don’t need additional coverage to protect yourself.
Severe winter weather
Ice storms, cold waves, and snowfall are common in Kansas during the winter months, and they can potentially damage unprepared homes. While a standard homeowners policy typically covers the kind of damage that winter can wreak on a house — such as burst pipes or falling tree branches — it’s always a good idea to double-check that your insurance covers the most common severe weather in your area.
Wildfires
Kansas sees a reported 5,000 wildfires annually, and experts believe that another 1,500 fires go unreported each year. These wildfires pose a serious threat to homes in the Sunflower State, which is why Kansans should follow FEMA guidelines for protecting their homes from these fires while also ensuring that they have enough insurance coverage. While a standard home insurance policy does protect against fire, Kansas residents may want to beef up their coverage level as a precaution.
Kansas homeowners insurance FAQs
If you’re shopping for home insurance in the Sunflower State, this additional information should help as you research your coverage options.
How much is home insurance in Kansas?
Home insurance in Kansas costs an average of $3,856 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. But your rates will vary depending on factors such as your ZIP code, age of your home, square footage of your home, and the coverage levels you choose.
Which company has the cheapest homeowners insurance in Kansas?
Farmers has the cheapest homeowners insurance in Kansas, with average monthly premiums of $137.
Does Kansas require homeowners insurance?
No. Kansas doesn’t require homeowners insurance, but your lender will require it if you have a mortgage on your home. Even if you’ve paid off your home, you should still insure it so that you’re protected financially if something damages your home and you have to make costly repairs.
Does Progressive offer homeowners insurance in Kansas?
Yes. Progressive offers homeowners insurance in Kansas. You can also get a discount if you bundle your Progressive home insurance policy with an auto insurance policy.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
Dwelling coverage: $300,000
Deductible: $1,000
Personal property limit: $25,000
Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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