Best homeowners insurance companies in Kansas for 2024

Compare the best homeowners insurance companies in Kansas

Bankrate’s research revealed that some of the best homeowners insurance companies in Kansas include Allstate, Travelers, Auto-Owners, State Farm and American Family. To find the top Kansas home insurance companies, we started by reviewing average annual premium data from Quadrant Information Services. Kansas homeowners pay the second-highest average home insurance premium in the country, $3,914 per year (about $326 per month), so finding an insurer with competitive rates is likely a priority for many households.

We know that price isn’t everything, though, so we also looked at third-party customer satisfaction scores per the 2023 J.D. Power U.S. Home Insurance Study and financial strength ratings from AM Best. Based on our analysis, if you are shopping for the best Kansas homeowners insurance, you might want to start by getting quotes from these companies:

The top 5 home insurance companies in Kansas

Additional Kansas home insurance companies to consider

Encompass

Marysville Mutual Insurance Co.

Cheapest home insurance companies in Kansas

Home insurance rates can be highly personalized, with different people and properties seeing significant variances in premiums. Still, some companies show a trend of providing consistently lower rates on average. The companies below have some of the lowest annual average rates for home insurance in Kansas.

How to get cheap Kansas home insurance

When shopping for the best Kansas homeowners insurance, it helps to understand the common causes of damage in your area and what coverage can protect your finances from expensive repairs and replacements. Choosing the right homeowners coverage types can provide peace of mind against the damage your home may be subjected to.

• Understand your needs: Before shopping for home insurance, understand what you want and need from a policy and company. Consider when your home was built, how well it's been maintained and what the general terrain around it is like. Are there floods or other significant risks in the area? Understanding your unique situation will better prepare you to choose the right insurer for you.
• Research insurers: Once you know what you’re looking for in a home insurance company and policy, you can start your research. Be sure to focus on coverage offerings in addition to discounts and third-party ratings. This way, you’ll get a well-rounded view of each carrier.
• Request and compare quotes: Because home insurance is so personalized, experts often recommend shopping around with multiple insurance companies when looking for a new policy. That allows you to compare estimates to see which company will offer you the coverage you need at the best rate.
• Choose and buy a policy: Once you’ve reviewed your quotes and have found a company that you’d like to proceed with, you can purchase your home insurance policy. Your agent or a company representative will walk you through the steps needed to secure coverage.

Best home insurance discounts in Kansas

One of the easiest ways to save on Kansas home insurance is to take advantage of discounts. Most carriers offer at least a few home insurance discounts, which could help you lower the cost of your coverage. Discounts vary by company, but here are some common savings opportunities in Kansas:

How to save on home insurance policy renewals in Kansas

When it comes time to renew your policy, there are some tips and tricks that may help you save on future premiums:

• Limit your claims: Insurers generally charge more if customers have a history of filing claims. Often, the longer you go without filing a claim, the less you’ll pay for coverage.
• Maintain your roof: Roof replacements are a significant cost, so the state of your roof can have a strong impact on your premiums. A quality roof in good condition may even lead to a discount from some providers.
• Maintain your credit: While Kansas prohibits insurers from using credit history in underwriting or risk rating, it does allow them to be used in pricing. With many insurers, better credit can result in lower premiums.
• Keep dangers away from your roof and foundation: The fewer risks facing your home, the lower your rates may be. Large trees hanging over the roof or growing roots near the foundation can represent a significant financial threat to your home. Minimizing these risks may save you money on premiums.

How much is home insurance in Kansas?

On average, Kansas residents pay $3,914 per year in home insurance premiums for $300,000 in dwelling coverage. This is about 82 percent more than the national average cost of home insurance, which is $2,151 annually for the same coverage amount. Kansas is the second-most-expensive state for home insurance in the nation, with only Oklahoma homeowners paying higher average home insurance premiums.

The state’s high average premium is likely due, at least partially, to the high claim payouts for catastrophic storm events. In 2022, Kansas had the fourth-highest number of major hail events in the country and the sixth-highest number of tornadoes. When an area has a higher risk of claims, it means insurers are at greater risk of paying out large sums for damage, which means rates have to be higher to compensate. And the more coverage you need, the more you’re likely to pay.

Kansas homeowners insurance rates by city

Average rates within Kansas can vary significantly between cities. The local weather patterns, risks of other natural disasters and even the urban density can impact local rates. The map here highlights some of these cities and their rate variance.

*Rates are for $300,000 in dwelling coverage

What does home insurance cover in Kansas?

Standard home insurance policies, called HO-3 policies, cover dwelling, personal property, other structures, liability, medical payments and additional living expenses. These policies typically cover 16 perils unless otherwise specified within the policy. The below list includes a few of these covered perils.

Covered perils:

• Fire or lightning: This peril includes damage caused by lightning or fire caused by lightning.
• Hail or windstorms: This covers damage caused by hail or windstorms to your home. Some exclusions may exist for tornado damage.
• Weight of snow, ice or sleet: This peril involves damage caused by ice, snow or sleet from winter storms.

Additional home insurance coverage types in Kansas

Knowing that Kansas is at high risk for weather-related home damage, you should consider tailoring your policy to the specific needs of the area. If you live in Kansas, here are some coverage types and endorsements to think about:

• Flood insurance: Floods have been a growing risk in recent years, and southeast Kansas already had a higher-than-average risk of flooding. Standard homeowners insurance policies do not cover flood damage. Flood insurance is often sold through the National Flood Insurance Program (NFIP), but you may instead purchase this protection as an add-on through your existing home insurance company (if available) or another private insurer.
• Water backup coverage: Heavy rains and clogged drain lines can often lead to water backing up in your crawlspace, basement or any other area of your home. For this damage to be covered, you will need a water backup endorsement, which is a commonly offered option.
• 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. Knowing that Kansas is at such a high risk for hail and wind damage, this coverage could be a wise choice.
• 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. Note that damage from tornadoes may be excluded from your wind coverage in Kansas.

Because Kansas is at a relatively high risk for home damage, working with an agent to choose coverage that is appropriate for you might be worthwhile.

Common Kansas home insurance problems

National inflation and supply chain issues have compounded with local weather risks to see climbing home insurance rates in Kansas. Kansas is a broad, flat state with much higher than average exposure to flooding risks and tornadoes, both of which can threaten homes and increase premiums.

• Climbing rates: National inflation and supply chain disruptions have seen significant cost increases in several areas relevant to home insurance. In many cases, insurance companies pass these costs on to the policyholders.
• Tornadoes: Kansas is at high risk for tornadoes across much of its territory, and modern weather patterns are still developing with some indication of increased tornadic risk in the Kansas area.
•  Flooding: Much of Kansas is subject to flood risks, which can have a significant cost impact on both the construction and insurance of homes.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.