Best homeowners insurance in Kansas of 2022
It should come as no surprise that the storm-prone state of Kansas is one of the most expensive states in the country for homeowners insurance. Kansas homeowners pay an average of $2,694 per year — about $255 per month — for $250,000 in dwelling coverage, according to Bankrate’s 2021 study of annual quoted premiums. In fact, in 2020, the Kansas Insurance Department reported over $126 million in estimated storm losses from tornados, hail damage and windstorms. Having a homeowners insurance policy in place can help to protect your finances against the threat of damage to your home.
Finding the best homeowners insurance in Kansas can take some research. Bankrate’s insurance editorial team has analyzed the largest home insurance companies by market share in the Sunflower State. With the help of your research, you may find it easier to find the best Kansas home insurance.
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 also took into account each company’s available endorsements, discounts, policy features, customer satisfaction scores and financial strength 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’s 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, business property coverage and coverage for sports and musical equipment available. You might be able to lower your premium by taking advantage of the company’s numerous discounts.
Learn more: Allstate Insurance review
American Family’s average premium is slightly higher than the state’s average, but that might be due to the company’s extensive coverage options. You might want to add matching siding coverage to ensure that any damaged and replaced siding matches the rest of your home. You could also add water backup coverage, credit theft protection and monitoring and equipment breakdown coverage. And AmFam does offer several discounts that might help you keep your premium down.
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 as well as the lowest average premium. Auto-Owners has a long list of optional coverages to help you customize your policy, like guaranteed home replacement cost, identity theft coverage and equipment breakdown coverage. The company also offers several discounts, which could be contributing to the low average premium.
Learn more: Auto-Owners Insurance review
If you like to handle your insurance needs at a local agency, State Farm might be a good choice. Although other companies on our list use local agents, State Farm has one of the largest agent networks in the country, with over 19,000 licensed insurance professionals. The company sells numerous types of insurance as well as banking products, which might be appealing if you like to consolidate your financial products with one company.
Learn more: State Farm Insurance review
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 insurance policies are eminently personalizable, with endorsements like green home coverage, jewelry and valuable items coverage, water backup coverage and special personal property coverage available to round out your protections. The company’s average premium is less than the state average, but there are several discounts that could lower your premium, like the loss-free discount and protective device discount.
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 average cost of home 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 hail events in the country, and in 2019, the state experienced 127 tornadoes, the third-highest number in the nation.
Kansas is part of what is called “Tornado Alley,” an area of the central U.S. where tornadoes are particularly common. Kansas homeowners insurance is expensive, but not as expensive as it could be. Homeowners in Oklahoma pay $3,519 per year on average, and the average home insurance premium in Nebraska is $2,816 per year.
Home insurance in Kansas
When shopping for the best Kansas homeowners insurance, it helps to understand the common 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 mind against the damages your home can be subjected to.
Common causes of loss in Kansas
Apart from the tornado frequency, Kansas also has an exceptional number of major hail events. In 2019, there were more than 50,000 total insurance claims made due to hail loss across several product lines, including home and auto. 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 common 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.
Because Kansas is at a relatively high risk for home damage, 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 insurance premiums can be based on a number of factors, including your individual traits like your age, gender and credit score (for states that allow these factors), as well as information about your home, like its specific location and risk level, value, age and custom features. Getting quotes for the same 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 often do this online, or you can call a company or visit a local agency. You will need your address, name, date of birth and possibly your Social Security number. You should also be prepared to answer some general questions about your home, like the year built, square footage, roof age and if it has custom 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 account.
How can I save on my Kansas home insurance?
Homeowners insurance in Kansas is more expensive than it is in many other parts of the nation, but there are ways to save. Getting quotes from several companies is often the first step because every company offers different rates. Taking advantage of as many discounts as possible could also lower your premium.
If you have an auto insurance policy, bundling your home insurance with the same company is often one of the biggest discounts. Keeping your home in good condition can help you avoid damage that can lead to claims, which could increase your premium.
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, 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 will differ.