Kansas Homeowners Insurance Quotes (2024)

State Auto and Travelers offer some of the best homeowners insurance policies in Kansas.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
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  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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Andrew Huang
Data reviewed byAndrew Huang
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Andrew HuangVP, Marketing & Analytics
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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Updated March 27, 2023

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Kansas is known for its beautiful landscape and rich cultural heritage, but it’s also home to severe weather conditions, including tornadoes, wildfires, and flooding. The average cost of Kansas homeowners insurance is $254 per month. Top providers include Nationwide, State Auto, and Safeco.

Homeownership is a significant investment. Home insurance can safeguard your property and belongings so that you can feel secure and at ease in your home.

Best home insurance companies in Kansas

Kansas homeowners have access to several quality home insurance companies. Your individual needs and circumstances will determine which is the best for you. Although predicting or preventing every disaster is impossible, having the right home insurance coverage can help you prepare and reduce their impact.

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Best large insurer: Nationwide

Nationwide may be a good choice for Kansas homeowners insurance. The average monthly premium is $313, which is on the high side. Still, it provides different coverage options to protect your home from various risks, including water backup, theft, and some natural disasters. However, J.D. Power rates it lower than average for customer satisfaction, with 816 out of 1,000 points.

Pros
  • Broad coverage that includes ordinance protection

  • Excellent financial stability ratings from A.M. Best, Moody’s, and Standard & Poor’s

  • Online tools for account management

Cons
  • Limited customer service by phone

  • No online chat option

  • Below-average J.D. Power customer satisfaction score

Best insurer for cheap rates: State Auto

If you’re looking for low-cost home insurance in Kansas, State Auto may be your best choice. It provides coverage options for various perils, such as fire, theft, and hail. It has the lowest average monthly premium of $181 among all the companies Insurify reviewed in the state.

Pros
  • Cheapest rates for Kansas home insurance

  • 10+ optional coverages to customize your policy

  • Farm and ranch coverage available

Cons
  • Guaranteed replacement coverage may not be available

  • Doesn’t offer flood insurance directly

  • Online quote not available

Best for tornado coverage: Safeco

Standard homeowners insurance covers direct hits and wind damage from tornadoes, but how you file a claim matters. That’s why Safeco is best for tornado coverage — it sends mobile claims teams to help homeowners in tornado-affected areas.

Pros
  • Strong financial strength rating from A.M. Best, Moody’s, and Standard & Poor’s

  • Single-loss deductible if the same event damages your house and car

  • Offers home warranty protection against wear and tear

Cons
  • Highest premiums of all the companies we reviewed

  • Below-average customer satisfaction ranking by J.D. Power (809 out of 1,000 points)

  • Few discounts available

Best insurer for high-value homes: Travelers

Travelers offers a high-value dwelling endorsement for homes worth more than $1 million. Customization options include replacement cost, ordinance or law, electronic data, refrigerated products, lock replacement, and fallen tree removal. The average monthly quote for a Travelers policy is $182. And with 408 offices throughout Kansas, this company is easily accessible.

Pros
  • Specifically designed for high-net-worth homeowners, farm and horse owners, estates, and wineries

  • Extended replacement and other enhancements to further customize your coverage

  • One of the lowest premiums of the insurance companies we reviewed

Cons
  • Below-average customer satisfaction rating from J.D. Power (794 out of 1,000 points)

  • Limited discounts available

  • Mobile app has subpar reviews

Best regional insurance company: Marysville Mutual

Marysville Mutual Insurance Company is a regional insurer that provides home insurance in Kansas. It offers coverage for homeowners and farm owners, dwelling fire policies, and inland marine and umbrella endorsements. Marysville Mutual has a high financial strength rating from A.M. Best and a network of local agents and adjusters.

Pros
  • Offers a variety of coverage options for home, farm, and commercial properties

  • A+ rating from the Better Business Bureau with no customer complaints (but isn’t BBB accredited)

  • Excellent rating from A.M. Best for financial strength and stability

Cons
  • Operates only in Kansas; not suitable if you want coverage for property in other states

  • Some negative reviews from customers about poor communication and delayed claims processing

  • Limited office hours

Methodology

To evaluate home insurance companies, Insurify data scientists and editorial team analyze multiple factors that reflect a company’s quality, reliability, and financial health. We consider industry ratings and information from sources like A.M. Best, Standard & Poor’s, Moody’s and Fitch, and J.D. Power. We evaluate customer service and satisfaction data, customer reviews, NAIC complaint indexes, claims payout rates, company reputation and proprietary quoting data.

Read More: 5 Best Home Insurance Companies

How much is homeowners insurance in Kansas?

Several factors influence home insurance prices, including the home’s location, the property’s age and condition, and the type of policy you choose. Homes in areas prone to natural disasters or with high crime rates typically have higher premiums. Choosing a policy with higher coverage limits or additional riders will also increase the price.

How your policy choices affect home insurance rates in Kansas

The choices you make when selecting a home insurance policy in Kansas can significantly affect the rates you pay.

Your policy form

Home insurance policy forms outline the coverage available to homeowners under a particular policy type. HO-1, HO-2, HO-3, and HO-5 are the most common types, but HO-3 is the most popular policy form, according to the National Association of Insurance Commissioners (NAIC).

Each policy form offers varying levels of coverage for perils, such as fire, theft, and natural disasters. Typically, the more threats a policy covers, the higher the premium. For this reason, selecting the correct policy form depends on your individual needs and budget to ensure adequate coverage for the perils most likely to occur in your area.

Read More: Understanding the 8 Types of Homeowners Insurance

Your coverage level

Insurance companies assume a greater financial risk when providing higher coverage levels. The more coverage a homeowner has, the greater the potential payout from the insurer and the higher the insurance premiums.

Dwelling Coverage AmountAverage Annual Premium
$250,000$2,442
$500,000$4,311

Your deductible

A deductible is the amount you’re responsible for paying out of pocket before your insurance coverage begins to pay for a covered loss. For example, if your policy has a $1,000 deductible and you file a claim for $5,000 in damages, you’d pay the first $1,000 and the insurance company would kick in the remaining $4,000.

If you choose a low home insurance deductible, you’ll pay less out of pocket, but this usually leads to a higher premium since the insurance company takes on more financial risk. A higher deductible can lower your insurance cost, but it means paying more out of pocket for each claim.

How location affects home insurance rates in Kansas

State by state and ZIP code by ZIP code, your home insurance costs can differ depending on where you live. It’s like a game of roulette, except instead of a ball bouncing around a wheel, factors like tornadoes, windstorms, flooding, and crime rates in different ZIP codes are spinning around in the mix. To score a winning quote, you must know how these factors affect your rates.

CityAverage Monthly Quote
Junction City$289
Kansas City$224
Lawrence$235
Leavenworth$218
Lenexa$248
Olathe$234
Overland Park$315
Pittsburg$193
Shawnee$238
Topeka$213
Wichita$248
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

See More: Cheap Home Insurance Quotes by State

What are the cheapest home insurance companies in Kansas?

State Auto, Travelers, and Liberty Mutual are the top three companies that have the most affordable home insurance premiums in Kansas, with monthly rates of $181, $182, and $190, respectively. Compared to the statewide average quote of $254, these insurers offer considerable savings on home insurance.

But take note that your specific coverage needs may result in a more expensive quote. Always compare quotes from multiple insurance companies to get the best homeowners insurance at an affordable price.

Insurance CompanyAverage Monthly Quote
State Auto$181
Travelers$182
Liberty Mutual$190
Stillwater$198
Foremost$206
Midvale Home & Auto$225
Hippo$259
Nationwide$313
Safeco$708
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

How much homeowners insurance do you need in Kansas?

State law doesn’t mandate homeowners to buy home insurance, but your mortgage company will usually require it if you finance your house. Before you purchase a policy, review the fine print carefully. Homeowners policies typically include several standard components, and you want to make sure you’re getting the coverage you need.

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What home insurance coverages should you buy in Kansas?

Homeowners insurance typically bundles several coverage types into one policy. These are:[1]

  • Dwelling coverage: One of the most critical parts of a home insurance policy, it covers the structure of your home. Specifically, it pays the cost of repairing or rebuilding it after a fire, hail, windstorm, or other damage.

  • Other structures: This protection covers detached structures and outbuildings, such as a garage or a shed. It also commonly covers swimming pools and fences, but it may not include every structure on your property.

  • Personal property coverage: This covers the cost of replacing personal belongings after theft or damage, such as furniture, clothing, appliances, and electronics. It may also cover your personal property if it’s away from home, such as in a car or hotel.

  • Personal liability coverage: This provides coverage for legal expenses and damages if someone sues you for causing bodily harm or property damage to another person. It also covers medical costs from minor injuries occurring on your property or those you accidentally cause to someone else.

Learn More: What Does Home Insurance Cover and What Does It Exclude?

What optional home insurance coverages should you buy in Kansas?

Don’t let Kansas homeowners insurance leave you with coverage gaps big enough to drive a truck through. Here are some optional coverages to consider adding to your policy for extra peace of mind:

  • Flood insurance: Homeowners insurance doesn’t cover flooding.[2] If you live near Wildcat Creek in Manhattan or in another area at risk for flooding, consider buying flood insurance through your insurer or the National Flood Insurance Program (NFIP). Homeowners pay $700 per year on average for a policy from the NFIP.[3]

  • Earthquake insurance: Kansas is experiencing an increase in earthquakes, and standard homeowners insurance doesn’t cover earthquake damage.[4] An earthquake policy can protect against quakes and other earth movements, such as landslides and sinkholes.

  • Sewer or drain backup and sump pump coverage: “If you live in an older part of the neighborhood or if the city is prone to septic issues, definitely fork out the extra for water and sewer backup coverage,” says Nick Schrader, an insurance agent and owner of Second Western Insurance Services.

  • Guaranteed replacement cost: If the cost to repair or rebuild your home to its previous condition is more than your policy limit, guaranteed replacement cost coverage can step in to cover a certain amount beyond that — typically 20% or more, according to the Insurance Information Institute.[5]

  • Personal umbrella insurance: For even higher coverage limits, consider personal umbrella insurance. In the event of a significant lawsuit or judgment against you, it can act as a safety net to protect your assets and future earnings from being seized.

  • High-value personal property coverage: Home insurance often limits coverage of high-value items, like jewelry, art, and collectibles. Adding a high-value personal property endorsement can increase your protection beyond the standard limits.

  • Ordinance or law coverage: Building ordinance coverage can cover the extra expenses of conforming to current regulations if original building codes and laws have changed and will affect your home’s repairs.

  • Farm or ranch insurance: A farm or ranch insurance package can provide property and liability coverage. This policy can combine different types of coverage into one contract, making it simpler and more cost-effective.

How much home insurance coverage should you have in Kansas?

While spontaneity can be fun and exciting, it isn’t the best way to choose home insurance. Getting the right insurance coverage involves a few considerations. First things first: Take a good look at the value of your home. You’ll want to make sure the policy you choose covers the total value of your home, including any potential costs to rebuild or repair damages.

Next up, location, location, location. If your home is in an area prone to natural disasters, get the right coverage.

“More so than tornadoes being a frequent issue, the multiple windstorms that occur each year are far more destructive for homeowners,” says Schrader. In some areas of Kansas, flooding is also common.

Last but not least, shop around for quotes. Get quotes from at least three different insurance companies to compare coverage options and pricing. You might find your dream policy on the first try, or you might need to get more than three quotes before finding the right one for you.

Read More: How Much Homeowners Insurance Do You Need?

What are some of the biggest risks when owning a home in Kansas?

These natural disasters can occur in different parts of the state and pose an increased risk to Kansas homeowners:

  • Tornadoes and windstorms: Most homeowners policies cover tornado and windstorm damage. Review your policy to ensure the coverage limits are enough for your area, and consider supplemental coverage to increase your limits or add more coverages.

  • Flooding: Homeowners insurance doesn’t cover water damage from flooding. For coverage, you’ll need to purchase separate flood insurance coverage through the federal National Flood Insurance Program (NFIP). Several private insurers offer flood insurance coverage, but you should compare the costs and coverage limits to ensure you get the best deal.

  • Earthquakes: Homeowners policies generally don’t cover earthquakes. If you live near the Humboldt Fault or another area at risk for earthquake damage, ask your insurance provider about buying separate earthquake insurance coverage.

Learn More: What Are Perils in Insurance?

How can you save money on homeowners insurance in Kansas?

Here are some things you can do to reduce your Kansas home insurance premiums.

Bundle home and auto insurance

Many insurance providers offer discounts when you bundle your home and auto insurance policies together. This can reduce your costs on both premiums, making it a great way to get the coverage you need at a lower price.

Choose a higher deductible

Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can also lower your monthly premiums. Increasing your deductible can be a way to save money on your home insurance policy if you have a track record of not making claims.

Look for discounts

Most insurance providers offer a variety of discounts, such as safety features, loyalty discounts, or being a nonsmoker. If you take advantage of these savings opportunities, you can lower your home insurance premiums.

Comparison shop

Comparing multiple quotes is the most effective way to find the best insurance coverage and rates. If you shop around, you can rest easy knowing you’re getting a competitive rate for the coverage you need.

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Average home replacement cost in Kansas

The concept of “replacement cost” refers to the cost to rebuild or repair your home using the same type of building materials in the event of a covered loss. Your home’s replacement cost influences your home insurance coverage levels. Ensure your coverage limits are high enough to cover the full replacement cost of your home.

Without enough coverage, you could end up paying out of pocket for the difference between your coverage limits and the actual cost to rebuild, which may be a significant financial burden. Here’s a look at average home values to judge replacement costs around the Sunflower State.

CityAverage Home Value
Junction City$337,898
Kansas City$238,108
Lawrence$274,686
Leavenworth$237,963
Lenexa$422,038
Olathe$387,461
Overland Park$485,923
Pittsburg$257,601
Shawnee$322,608
Topeka$254,833
Wichita$249,764

Kansas home insurance FAQs

Whether you’re a first-time homeowner buying insurance or looking to switch providers, here are answers to common questions to guide you through purchasing home insurance in Kansas.

  • How much is home insurance a month in Kansas?

    The average cost of home insurance in Kansas is $254 per month. But it’s important to note that the cost of home insurance can depend on various factors, such as your home’s location, the property’s age and condition, and the coverage you choose. Increasing your windstorm coverage or adding flood insurance can increase your premiums.

  • Is homeowners insurance expensive in Kansas?

    The average cost of homeowners insurance in Kansas is slightly higher than the national average of $227 per month. The state’s susceptibility to natural disasters such as tornadoes, wildfires, and flooding, as well as the age and condition of homes in some areas, can drive premiums up.

  • What are the three main types of homeowners insurance?

    The three primary homeowners insurance coverage levels are actual cash value coverage, replacement cost coverage, and extended replacement cost coverage. Replacement cost coverage doesn’t consider depreciation, while actual cash value pays the current market value minus depreciation. Extended replacement cost coverage pays for repairs and replacement even if they go beyond your coverage limits.

  • Does Kansas require homeowners insurance?

    Kansas homeowners insurance isn’t a legal requirement, but most mortgage lenders will make it mandatory as part of the loan agreement. Even though it isn’t a legal obligation, you should consider home insurance because it offers several benefits, including coverage to repair or replace your home and personal property and protection from potential legal liabilities if someone is injured on your property.

Sources

  1. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
  2. Insurance Information Institute. "Do I need flood insurance for my home?."
  3. Federal Emergency Management Agency. "Myths and Facts About Flood Insurance."
  4. Wichita State University. "Earthquakes."
  5. Insurance Information Institute. "Insurance for Your House and Personal Possessions."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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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Andrew Huang
Data reviewed byAndrew HuangVP, Marketing & Analytics
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVP, Marketing & Analytics
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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