Best homeowners insurance in Kansas 2021

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In 2020, the Kansas Insurance Department reported over $126 million in estimated storm losses from tornados, hail damage, flooding and windstorms. With this figure in mind, the average Kansas homeowner can expect to pay an average of $3,019 in annual insurance premiums for a home with $250,000 in dwelling coverage to protect their property and belongings. Read on to learn more about finding the best homeowners insurance in Kansas.

Best home insurance companies in Kansas

To compile our list of the best homeowners insurance in Kansas, we utilized the 2020 J.D. Power Home Insurance Study and the average annual premium Kansas homeowners can expect to pay. We then looked at each provider’s strengths and weaknesses and used that information to hone in on the specialties of the homeowners insurance companies.

Home Insurance Company Average Annual Premium for $250K Liability J.D. Power Score
Allstate $3,343 829/1,000
American Family $5,551 821/1,000
Auto-Owners $1,756 843/ 1,000
Farmers $4,358 814/1,000
State Farm $2,149 829/1,000

Allstate

Allstate ranks above-average for overall customer satisfaction and excels in local availability with more than 20 agents in the state. It also offers several coverage add-ons to its customers. Kansas homeowners looking for a truly customized coverage package should consider Allstate.

American Family

American Family is second only to State Farm for most homeowners insurance policies written in Kansas in 2019 and the seventh-largest writer of homeowners insurance in the country. American Family offers add-ons for home and auto to provide customers just what they need for coverage, plus multiple discounts like for your home’s age to make coverage more affordable.

Auto-Owners

Auto-Owners has been a highly rated insurer with A.M. Best for nearly 50 years, receiving the highest financial strength rating of A++ and an aa+ for issuer credit ratings. In the 2020 J.D Power Home Insurance Study, Auto-Owners Insurance came in third in overall customer satisfaction.

Farmers

Farmers is perhaps best known for the discounts that it offers its customers, including new homes, safety features and bundling discount options. Farmers also offers eco-friendly replacements when property damage occurs and rewards clients for going claims-free for extended periods.

State Farm

State Farm is the largest writer of insurance in both the U.S. and Kansas. The provider offers useful online resources such as its Extra Payment Savings Calculator, which shows homeowners how much they can save on interest payments for premiums with a higher payment frequency. Customers looking for a provider with a number of different insurance coverage options that they can bundle together should consider State Farm.

Average cost of homeowners insurance in Kansas

On average, Kansas residents pay $3,019 per year in home insurance premiums for home dwelling coverage of $250,000. Kansas’ premium rate is significantly higher than the national average of $1,477 per year, which may be in part due to the high claim payouts on catastrophic storm events. In 2019, Kansas had the third-highest rate of tornadoes, behind Texas and Mississippi.

As part of Tornado Alley, Kansas rates are not the highest in this severe weather area. Oklahoma’s average homeowners insurance premium is $4,067 per year while Kansas’ neighbor to the north, Nebraska, is slightly lower at $2,787 per year.

Home insurance considerations in Kansas

When shopping for the best homeowners insurance for Kansas residents, two important factors to consider are the common causes of loss and the recommended coverages to protect homeowners against these losses. Choosing the right homeowners package will provide peace of mind against the greatest damages your home can be subjected to. The most common are wind and hail damage, which made up 38% of all claims in the U.S. in 2018, and tornado damage.

Kansas common causes of loss

Apart from the tornado frequency, Kansas also has an exceptional number of major hail events. In 2019, there were more than 50,000 insurance claims made due to hail loss. 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: Water damage coverage is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage, though some companies consider this an optional add-on coverage and not part of the basic policy.
  • Hail damage: Hail can cause multiple points of damage to your home, including your roof and windows. Coverage for hail is usually standard among homeowners insurance policies. File a claim as soon as you can to keep the damage from getting worse, especially if there are new exposures in the home from the damage.
  • Wind damage: Having wind damage coverage is important as you could end up with a claim for both dwelling and personal property coverage. Homeowners policies usually include it as standard, including wind from hail.

Recommended coverages in Kansas

Standard home insurance coverage typically include hail and wind damage along with coverage for your home’s structure, medical protection and liability. Here are a few other offerings we recommend you include in a Kansas homeowners insurance package and why:

  • Roof surfaces coverage: Some providers will allow you to extend coverage for damage to your roof by wind or hail storms.
  • Replacement cost: You may need additional coverage to fully repair or rebuild your home after a total loss. In these cases, opting for extended coverage replacement coverage can help prevent an additional out-of-pocket cost.

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. Factors that affect home insurance premiums include where your home is located, the value of your home, your home’s square footage, and the coverages needed. 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, may figure into this price.

How do I get homeowners insurance in Kansas?

When looking for homeowners insurance in Kansas, you will need to know your home’s size in square feet, your home’s value (which you can find on an appraisal or your prior year’s insurance policy) and any additional structures that are included in your property. With this information on hand, you can get free quotes in just minutes from different Kansas homeowners insurance providers. Compare these quotes side-by-side to make sure 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 is a good idea to make sure that your provider includes this protection so that you do not have to pay out of pocket in the event of an accident. You can also ask if there is a separate deductible amount for specific claim events.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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, good credit and the following 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 also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2020 Quadrant Information Services data.