The cost of homeowners insurance in Kansas is $2,557 a year for the average amount of coverage. Kansas residents can compare rates from multiple companies with Policygenius.
Published September 11, 2020
TABLE OF CONTENTS
Homeowners insurance is essential financial protection for the 66% of Kansas residents who own a home, especially when you consider the state’s frequent thunderstorms, tornadoes, and hailstorms.
The statewide average cost of homeowners insurance in Kansas is $2,557, but policy premiums can differ greatly based on specific factors related to your home and the details of your policy. Your rates will be directly impacted by your home’s condition and style of build, its location, your credit and claims history, and the policy deductible amount you choose. Rates will also be different from company to company for the same level of coverage, which is why it’s so important to compare policies from different companies — that’s where we come in.
To help simplify your shopping experience, Policygenius reviewed the five best homeowners insurance companies in Kansas offered through our website. We also calculated the cheapest and most expensive cities in Kansas for home insurance based on hundreds of submitted quotes.
The average cost of homeowners insurance in Kansas is $2,557 for $100,000–500,000 in coverage
The most affordable insurance company in Kansas is ASI, according to Policygenius quote data
When deciding on policy coverage, Kansas residents should consider the state’s frequent hailstorms and tornadoes
Before deciding on a homeowners insurance policy, consider doing a little research on the company that will be insuring your house and all of your assets. A great homeowners insurance company is financially stable, has a good track record handling claims, affordable coverage, flexible policy options, and high quality discounts.
Kansas residents looking to maximize coverage for their home and personal property against the state’s volatile weather should consider Safeco’s excellent replacement cost coverage options. Safeco has four comprehensive tiers of coverage, and all include the option to add extended replacement cost, a policy add-on that increases your home’s coverage limits an additional 25% or 50% if rebuild costs exceed your dwelling coverage amount. Safeco’s “Premier Plan”, its highest level of coverage, includes guaranteed replacement cost, which pays for a rebuild of your home regardless of the price.
Read our full review of Safeco here
American Strategic Insurance, part of the Progressive group of insurers, provides the cheapest Kansas home insurance quote of any Policygenius partner carrier. The average quote with ASI is $1,849 for $100,000–500,000 in coverage, which is significantly cheaper than the state’s annual average of $2,557. Kansas residents looking for great coverage on a budget should consider homeowners insurance with ASI.
Kansas residents with high-value homes should consider a homeowners insurance policy with AIG. This luxury insurance company provides guaranteed replacement cost dwelling coverage, replacement cost coverage on all personal property, and additional services like appraisals and risk protection consultations. Keep in mind that AIG only covers homes with an insured value of more than $750k and doesn’t provide monoline home insurance coverage, meaning you’d need to insure your car or boat with AIG as well in order to get a policy.
Read our full review of AIG here
In terms of discounts, few Kansas insurance companies compare to Nationwide. Nationwide offers a generous multi-policy discount if you bundle your home insurance policy with their auto insurance or another type of property insurance. Nationwide also offers discounts for securing and strengthening your home and roof from break-ins and bad weather. If you haven’t filed a claim in three years or if you recently purchased your home, that can also land you a discount with Nationwide.
Read our full review of Nationwide here
One important indicator of an insurance company’s ability to pay out claims in an effective and timely manner is its financial stability, and Travelers is among the highest-rated insurers in that area. With an A++ rating with A.M. Best, Travelers has the highest score a company can receive with the insurance company credit rating agency. Travelers also has high marks with Standard & Poors, which measures long-term financial stability, as well as Moody’s, which measures what the expected losses would be if a company were to go into default.
Read our full review of Travelers here
When comparing insurance companies, Kansas residents may find that rates differ greatly from company to company for the same level of coverage. Higher-priced policies may include coverage add-ons or higher limits than other plans, or it may cost more simply because that insurer charges more for coverage in that particular location.
After reviewing hundreds of quotes submitted with Policygenius, we found that ASI is the cheapest insurance company in Kansas with a $1,849 average annual premium for $100,000–500,000 in coverage. Encompass is the most expensive with a $3,792 average annual premium.
The average cost of homeowners insurance in Kansas will also differ considerably based on the amount of insurance you have for your home. Below is the average homeowners insurance quote for five different levels of coverage.
|Coverage Amount||Average Cost|
|Greater than $500,000||$ 4,316|
Insurance companies will also price policies differently based on where you live. We found the city of Andover, Kansas outside of Wichita has the highest rates in the state with a $3,927 average annual premium for $100,000-500,000 in coverage. The cheapest area is Mission, Kansas outside of Kansas City with an average annual premium of $1,458 for the same amount of coverage.
|Junction City||$ 2,892|
|Kansas City||$ 2,549|
|Overland Park||$ 2,371|
|Prairie Village||$ 2,484|
We selected the 20 largest cities in Kansas by population where customers have submitted quotes with Policygenius. Quotes are based on a coverage amount between $100,000 and 500,000.
Kansas is situated right in the heart of Tornado Alley, so it’s no surprise that Kansas sees an average of 96 tornadoes annually, the second most in the country behind only Texas. Tornadoes are also the greatest cause of property loss in the Sunflower State, accounting for $42.4 million in annualized property damage, according to the United States Department of Energy.
Thunderstorms and lightning also do their share of damage in Kansas, causing around $40 million in annualized property loss. One particularly expensive form of roof and foundational damage is hailstorms — and Kansas saw over 500 of these in 2019, according to the Insurance Information Institute.
Homeowners insurance does not cover flood damage in Kansas or any of the other 49 states. Kansas residents can supplement that gap in coverage by purchasing a flood insurance policy. Flood insurance can typically be provided through the same insurance company that insures your home.
Most flood policies are sold by private companies but administered by the federal government’s National Flood Insurance Program (NFIP). An NFIP flood policy can cover up to $250,00 for the structure of your home and up to $100,000 for personal belongings.
The Kansas Insurance Department is a valuable resource for both Kansas homeowners purchasing coverage for the first time or those who are already insured. The KID website has helpful information about what to prioritize when selecting your coverage, comparing rates, preparing your home for bad weather, and you can even file a complaint if you’re unhappy with your home insurance company.
Homeowners insurance companies can cancel your insurance for a number of reasons — maybe you filed too many claims in a short period of time, maybe the insurance company no longer offers coverage where you live, or maybe they determined your home was too risky to insure after a recent inspection.
If you’re struggling to find coverage, you can get last-resort coverage via an Kansas Fair Access to Insurance Requirements (FAIR) Plan. The Kansas FAIR Plan is offered by the Kansas All-Industry Placement Facility, a not-for-profit insurance association that provides basic coverage for Kansas residents who are unable to get home insurance on the open market. To qualify for a FAIR Plan, you need to demonstrate that you’ve had at least three unsuccessful attempts to buy insurance from other companies.
Not where you live? We've got you covered, check out our guide to homeowners insurance in your state
Pat Howard is a homeowners insurance editor at Policygenius in New York City. He has written extensively about home insurance cost, coverage, and companies since 2018, and his insights have been featured on Investopedia, Lifehacker, MSN, Zola, HerMoney, and Property Casualty 360.
Pat has a B.A. in journalism from Michigan State University.
Was this article helpful?