Storm clouds over house, Kansas, USA

Chad Cowan

As of the 2000 Census, Kansas is home to over one million unique households – and each one requires its own set of insurance coverage needs to adequately protect the people inside them.

Consider the following factors as you compare homeowners insurance companies:

When sifting through different home insurance packages and offers, there are a couple of things to keep in mind. For one, having your home covered is probably going to be a necessity. Typically, lenders will be unwilling to fund your mortgage if you don’t have homeowners insurance, as one accident, whether big or small, could mean financial stress that makes it tough to keep up with your mortgage payments.

Another thing to be mindful of is that the risks that your home is exposed to will affect the coverage package that is best for you. For example, though fire and lightning have caused the most financial damage to homes over the past five years, the largest frequency of claims has been attributable to wind and hail (38% of all claims). With Kansas second only to Texas in terms of tornado frequency, it’s a safe bet that homeowners in The Sunflower State will want to make sure that homeowners insurance companies offer them significant coverage in the face of such risks.

Finally, though individualized coverage is important, there’s nothing quite like getting the most bang for your buck. With that in mind, the best Kansas homeowners insurance is going to give you, the homeowner, the chance to get the coverage you need at the right price. Bearing these things in mind, we’ve looked through the best Kansas home insurance companies to help you find a home insurance option that works for you.

The Best home insurance companies in Kansas

How did we choose the top insurance companies?

To compile our list of the best home insurance companies in Kansas, we started with user-generated rankings for home insurance providers everywhere. J.D. Power’s 2019 studies for Property Claims Satisfaction, Renters Insurance and Homeowners Insurance provide a look at what customers think across a broad range of categories, including overall satisfaction. After hand-picking the companies that routinely show up at the top of those lists, we looked to see which providers would be available to customers in Kansas without any restrictions. USAA, for example, received top marks but is only available to armed service members and their families so we didn’t include it –– however USAA is a great option if you qualify.

Finally, we made sure that all of the providers were financially reliable, with their AM Best ratings as proof. With our shortlist in place, we looked at each provider’s strengths and weaknesses and used that information to hone in on the specialties of the homeowners insurance companies.

Amica State Farm Allstate Farmers
Property Claims Satisfaction 5/5 3/5 3/5 3/5
J.D. Power Homeowners Insurance Satisfaction 5/5 4/5 3/5 3/5
J.D. Power Renters Insurance Satisfaction N/A 5/5 2/5 2/5
A.M. Best Rating A+ A++ A+ A-
BBB Rating A+ A A+ A+

Amica Mutual

Received five-star ratings on J.D. Power’s 2019 Property Claims Satisfaction and Home Insurance Studies. Amica Mutual is best-in-class for customer service, and also offers great discounts and affordable rates.

Other insurance offered: Auto; life

State Farm

Received five-star rating for customer satisfaction on J.D. Power’s 2019 Renter’s Insurance Study. State Farm is the most popular homeowners insurance company in the US, a credit to their useful online resources. Customers looking for a provider that offers a number of different insurance coverage options that they can bundle together should consider State Farm.

Other insurance offered: Car, Boat, Motorcycle, Off-road vehicle, Motor home; Life; Health; Disability; Liability; Identity Restoration; Small Business

Allstate

Though Allstate’s customer satisfaction ratings are just average across the board, they excel in local availability, while also offering an extensive list of add-ons to its customers. Kansas homeowners looking for a truly customized coverage package should consider Allstate.

Other insurance offered: Auto; renters; life

Farmers

Farmers is perhaps best-known for the discounts that they offer their customers, including new home, safety feature and bundling discount options. They also offer eco-friendly replacements when property damage occurs and reward clients for going claims-free for extended periods.

Other insurance offered: Auto; Life; Renters; Business; Condo

Average Homeowners Insurance Cost in Kansas

On average, Kansas residents pay $1,548 per year in home insurance premiums, ranking fifth among all states. As we’ve noted, the factors that contribute to these rates can create massive variations, and your best bet will be to reach out to homeowners insurance companies to get a more realistic idea of what coverage might cost you.

Having said that, we opted for a representative Kansas residence located in Topeka and valued at $200,000. Our sample home was built in 2003 on an 8,250-square foot lot and features five bedrooms and three bathrooms, as well as a 2-car garage.

Using this profile as a base, below are the coverage quotes we were able to obtain from our top providers, as well as what they include:

Amica

12-month policy for $750 or monthly payments of $63

  • Dwelling Coverage: $50,000
  • Other structure coverage: $5,000
  • Personal property coverage: $37,500
  • Loss of use: $15,000
  • Deductible: $2,500
  • Windstorm deductible: $2,500
  • Liability: $500,000
  • Medical Payments: $5,000

State Farm

12-month policy for $2,551 or monthly payments of $213

  • Dwelling Coverage: $250,000
  • Other structure coverage: $5,000
  • Personal property coverage: $187,500
  • Loss of use: $22,000
  • Deductible: $2,500
  • Windstorm deductible: $2,000
  • Liability: $100,000
  • Medical Payments: $1,000

Allstate

12-month policy for $1,577 or monthly payments of $145

  • Dwelling Coverage: $258,130
  • Other structure coverage: $26,000
  • Personal property coverage: $155,000
  • Loss of use: $20,000
  • Deductible: $2,500
  • Windstorm deductible: $2,500
  • Liability: $100,000
  • Medical Payments: $1,000

Farmers

12-month policy for $1,149 or monthly payments of $96

  • Dwelling Coverage: $270,000
  • Other structure coverage: $13,500
  • Personal property coverage: $108,000
  • Loss of use: $27,000
  • Deductible: $5,000
  • Windstorm deductible: $1,500
  • Liability: $300,000
  • Medical Payments: $1,000

Home insurance coverage options in Kansas

Here are a few common offerings you’ll find in a Kansas homeowners insurance package and what they include:

  • Dwelling Insurance: This coverage covers the costs to repair or rebuild your home after it’s damaged by a peril, such as wind, that’s included in your coverage.
  • Other Structures Insurance: This is the part of an insurance policy that helps pay to repair or replace structures other than your home, such as a fence or shed, if they are damaged by a covered risk.
  • Personal Property Coverage: If your personal belongings – furniture, clothes, jewelry, etc. – are damaged by a covered peril, this is the coverage that you’ll want to have to pay for their replacement. Make sure that the cause of property loss is covered by your policy before filing a claim though.
  • Loss of Use Coverage: This kind of insurance covers living expenses that you incur if your home is deemed uninhabitable as the result of a covered peril, such as fire or storm damage.
  • Liability Protection: If someone gets hurt on your property or you damage someone else’s property, this insurance will cover your expenses in most cases.
  • Guest Medical Protection: If someone gets injured on your property, this coverage covers the expenses to that person.

Apart from the boilerplate coverage pieces that typically come standard in your Kansas homeowners insurance package, there are typically a few add-ons you can purchase to make sure your home is adequately covered. In Kansas, where wind from tornadoes can be particularly strong, a roof surface extended coverage endorsement could be a smart add-on purchase. If your provider doesn’t include it in your package, look to add it on for greater peace of mind.

Common causes of home insurance losses in Kansas

While some of the causes for home insurance claims are not necessarily specific to one geographic region of the U.S., such as water and fire damage, other dangers exist that put Kansas homeowners at particular risk. Apart from the tornado frequency we mentioned above, Kansas also has an exceptional number of major hail events, again, second only to Texas in occurrences in 2018 with 493. With this in mind, a homeowner considering coverage in Kansas should be mindful of packages that include water damage, fire damage, hail damage, wind damage and theft or burglary of property.
Below is an explanation of what these coverages entail:

  • Water damage coverage: Water damage coverage is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage.
  • Hail damage coverage: In most states, hail damage is covered by your standard home insurance policy. If you suspect hail damage to your roof, it’s best to file a claim sooner rather than later as some providers have a time limit within which a claim will be honored.
  • Wind damage coverage: Most homeowners insurance policies cover wind damage, though the claim that you will need to file will depend on what gets damaged. Generally, your claim will fall under dwelling or personal property coverage.
  • Theft and/or burglary coverage: Theft or burglary coverage covers most cases in which homeowners are victims of a break-in. Checking which kinds of theft are covered can help save you some time in headache-inducing paperwork.

    Frequently asked questions

    What is the cheapest homeowners insurance in Kansas?

    Finding the cheapest homeowners insurance in Kansas will depend on a number of factors that go into calculating your insurance premium. Where your home is located, the value of your home, your home’s square footage, and the depth of the coverage package that you select all figure into this price. Other factors, including the number of people that occupy your home and any potential risky habits that could lead to property damage, such as smoking, will also figure into this price.

    How do I get homeowners insurance in Kansas?

    When looking for homeowners insurance in Kansas, you’ll need to know your home’s size in square feet, your home’s value (which you can find out with an appraisal) and any additional structures that are included in your property. Once you have all of this information on hand, you can often access the websites of different Kansas homeowners insurance providers and get free quotes in just minutes. Compare these quotes side-by-side to make sure that you get the best deal.

    Is wind and hail damage covered in Kansas home insurance?

    In most cases, providers will include wind and hail damage as part of your homeowners insurance coverage package. To be on the safe side, though, it’s a good idea to make sure that your provider includes this protection so that you don’t have to pay out of pocket in the event of an accident.