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Best homeowners insurance in Kansas of 2022

Updated Aug 23, 2022
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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.

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

Allstate

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

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

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

State Farm

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

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

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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

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.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon Created with Sketch.
Your information is kept secure
Caret DownCaret Up
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Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Frequently asked questions

Methodology

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.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor