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Best homeowners insurance companies in Kansas for 2024

Updated Jun 01, 2024

Allstate, Travelers and Auto-Owners are the best home insurance companies in Kansas, based on Bankrate’s assessment.

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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, $4,103 per year (about $342 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:

Insurance company J.D. Power Average monthly premium Average annual premium
834
/1,000
$157
$1,881
829
/1,000
$235
$2,820
813
/1,000
$312
$3,747
809
/1,000
$170
$2,042
790
/1,000
N/A
N/A
*Premiums are for $300K in dwelling coverage

Powered by Coverage.com (NPN: 19966249)

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.

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.

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Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in Kansas

Best for low rates

Auto-Owners

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$157/mo

Avg. premium for $300K dwelling

$1,881/yr

Customer satisfaction

834/1,000

Best for local agencies

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$235/mo

Avg. premium for $300K dwelling

$2,820/yr

Customer satisfaction

829/1,000

Best for customer satisfaction

American Family

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$312/mo

Avg. premium for $300K dwelling

$3,747/yr

Customer satisfaction

813/1,000

Best for personalized coverage

Allstate

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$170/mo

Avg. premium for $300K dwelling

$2,042/yr

Customer satisfaction

809/1,000

Best for discounts

Travelers

4.1

Rating: 4.1 stars out of 5

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

790/1,000

Additional Kansas home insurance companies to consider

Encompass

Encompass

Who this may be best for

Homeowners who want a single deductible and premium for their home and auto insurance

Encompass may be a good option for people who want a single deductible and premium for their home and auto insurance. It also offers tiered coverage options. Encompass home insurance policies cost an annual average of $3,558 in Kansas. To learn more about this carrier, read our Encompass insurance review.

Marysville Mutual Insurance Co.

Marysville Mutual Insurance Co.

Who this may be best for

Homeowners who have a farm or ranch

Marysville Mutual Insurance Co. may be a good fit for homeowners who also have a farm or ranch, as the company offers a wide range of insurance products for these types of properties. Even homeowners without farmland or ranchland may find the company's Preferred Homeowner program to be well suited to their needs. This program insures homes for 100 percent of replacement cost. Marysville Mutual Insurance's home insurance policies cost an annual average of $3,236 in Kansas.

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.

Carrier Monthly premium for $300k coverage Annual premium for $300k coverage Savings vs state avg. for $300k coverage
$157
$1,881
- $2,222
$170
$2,042
- $2,061
$235
$2,820
- $1,283
Marysville Mutual
$270
$3,236
- $867
$296
$3,558
- $545

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.

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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.

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.

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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:

Bundling your auto and home insurance just means buying both policies from the same company. This method could result in significant savings on both policies.
If you have an alarm system, you might save money on your home insurance. The largest discounts usually come from alarms that notify the authorities of a problem, but local alarms (which just ring at your home) could also qualify you for smaller savings.
Kansas is at high risk for wind damage, and having a new or upgraded roof could save you money on your home insurance, especially if your roof is wind- or hail-resistant.
More companies are adding savings for having smart home devices, like automatic water or gas shutoff systems or smart thermostats.

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 $4,103 per year in home insurance premiums for $300,000 in dwelling coverage. This is about 84 percent more than the national average cost of home insurance, which is $2,230 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.

  • Clearview City: $3,217 per year — 22 percent below state average
  • Gardner: $3,236 per year — 21 percent below state average
  • Olathe: $3,238 per year — 21 percent below state average
  • Edgerton: $3,245 per year — 21 percent below state average
  • Lenexa: $3,258 per year — 21 percent below state average
  • Pierceville: $5,681 per year — 38 percent above state average
  • Ensign: $5,481 per year — 34 percent above state average
  • Beeler: $5,467 per year — 33 percent above state average
  • Ingalls: $5,461 per year — 33 percent above state average
  • Copeland: $5,430 per year — 32 percent above state average

*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.

Related content:

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 June 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.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.