Best homeowners insurance in Kansas for 2022

We looked at policy cost, coverage quality, and unique policy offerings for Kansas residents to find the best homeowners insurance companies in Kansas.

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Kansas is one of the most tornado-prone states in the country, with an average of 96 per year. Combined with its frequent thunderstorms and flooding, it’s important to have a solid home insurance policy and additional flood coverage for residents of high-risk flood zones.

The average cost of homeowners insurance in Kansas is $3,159 per year or $263 a month, which is around 66% higher than the national average of $1,899.

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But there are other factors you should consider when choosing an insurer. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Kansas.  

Best homeowners insurance companies in Kansas

Of the companies we looked at, American Family’s average annual policy cost of $2,567 is the lowest in Kansas, and almost $600 less than the statewide average. Two other companies on our list, Farmers and Allstate, also offer rates below the statewide average in Kansas.

Policygenius analyzed thousands of quotes from the 5 largest Kansas insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Kansas residents to find the best homeowners insurance in Kansas.

Company

Average yearly cost

J.D. Power Rating

State Farm

$3,704

835

American Family

$2,567

831

Farm Bureau Insurance

$3,920

--

Farmers

$2,610

813

Allstate

$3,092

829

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm is currently offering customers a free smart home device that plugs directly into your outlets to monitor your electrical system and alerts you of any issues that might lead to fires or cause damage to your home. By making your house more secure, you are decreasing the likelihood of having to file an expensive insurance claim.

How to get a quote

Online through State Farm

American Family

American Family logo

American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.

Pros

  • Unique coverage add-ons, like matching siding insurance and hidden water damage coverage

  • Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together

  • Earn a $100 credit toward your deductible for ever year you go without filing a claim

  • File claims online or on its mobile app — with 24/7 claims support

Cons

  • Doesn't offer extended or guaranteed replacement cost coverage

  • Above-average customer complaints according to the NAIC

Why American Family tops our best list

The MyAmFam app is a convenient tool for accessing your policy when you’re on the go. The mobile app lets you view ID cards, schedule payments, and track your claims all from your phone or tablet. 

How to get a quote

Online through American Family

Farm Bureau Insurance

Farm Bureau Insurance logo

Farm Bureau Insurance offers solid coverage options, a slew of insurance products, a one-deductible perk for bundling your home and auto policies together, and exceptional customer service.

Pros

  • Offers a slew of insurance products on top of home insurance — including auto, life, and farm insurance — to keep all of your policies with one company

  • High-quality coverage add-ons, including extended replacement cost and equipment breakdown coverage

  • Score discounts for having a new home or roof, installing safety devices, and being a loyal customer

  • Pay just one deductible if your home and car are damaged in the same incident and you bundle your policies

  • Industry-best customer service ratings

  • Low rate of customer complaints

Cons

  • Farm Bureau membership is required for coverage

  • Minimal information about coverage offerings available online

Why Farm Bureau Insurance tops our best list

Farm Bureau Insurance offers coverage not only for your home, but also for farmland and any structures on the farm. With over 50,000 farms in the state of Kansas, the ability to bundle home and farm insurance is a great convenience for farmers.

How to get a quote

By Calling a Farm Bureau Insurance Agent

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

If you want to make your home more eco-friendly, Farmers’ offers specialized coverage for a “green rebuild” after a covered loss. Customers can receive up to $25,000 to rebuild with green materials or purchase energy efficient appliances. 

How to get a quote

Online through Farmers

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Why Allstate tops our best list

Since a tornado can quickly take out an entire city’s phone and power lines, Allstate offers customers access to their mobile catastrophe team. This team sets up services in areas affected by storms and other disastrous events to ensure customers can file claims to get back into their homes as soon as possible.

How to get a quote

Online through Policygenius or Allstate

Cheapest homeowners insurance companies by city in Kansas

Looking at average home insurance costs for the 15 most popular insurers in Kansas, we found that the cheapest homeowners insurance companies in the state are Auto-Owners Insurance, American Family, and Allstate. The cheapest rates for the state’s three largest cities: Kansas City, Overland Park, and Wichita, are all with Auto-Owners Insurance. 

Insurance rates are determined by a variety of factors based on your home and location. Older homes generally cost more to insure because it’s more expensive to bring them up to modern building codes. 

Your home value and size will also affect what you pay for insurance. If you live in an area with higher crime or a high risk of tornadoes, you will likely see higher home insurance rates as well. 

City

Company

Average yearly cost

Abbyville

Auto-Owners Insurance

$2,356

Abilene

Auto-Owners Insurance

$1,917

Admire

Auto-Owners Insurance

$1,725

Agenda

Auto-Owners Insurance

$1,725

Agra

Auto-Owners Insurance

$2,223

Albert

Auto-Owners Insurance

$2,740

Alden

Auto-Owners Insurance

$1,951

Alexander

American Family

$2,967

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Shopping for homeowners insurance in Kansas

When shopping for homeowners insurance, the better informed you are, the more likely you are to buy the right policy for your home. From knowing what kind and how much coverage you need to understanding the factors that determine your rate, it’s important to be aware of what you’re getting yourself into.   

In this section, we break down the average annual home insurance rates in Kansas for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Kansas.

Kansas home insurance costs by coverage amounts

Dwelling coverage is the part of your home insurance that pays to repair or rebuild your home after a covered loss. Your dwelling limit should be based on an estimate of your home’s total replacement cost, or the cost to rebuild the home from the ground up — not its market value or purchase price. 

More dwelling coverage means higher home insurance rates, as shown in the table below. In Kansas, a policy with $400,000 in coverage costs $3,942, while a policy with $500,000 costs an average of $4,740 — almost $800 more. 

Dwelling coverage amount

Average yearly cost

$100,000

$1,511

$200,000

$2,333

$300,000

$3,159

$400,000

$3,942

$500,000

$4,740

Liability coverage protects you in case you are responsible for someone else’s injury or damage to their property. Since medical or legal bills can potentially cost you tens to hundreds of thousands of dollars, it’s important your liability coverage amount is high enough to cover the combined value of your assets, including your home, cars and other vehicles, and your liquid assets. 

Liability coverage amount

Average yearly cost

$100,000

$3,146

$200,000

$3,222

$300,000

$3,159

$400,000

$3,301

$500,000

$3,152

Kansas home insurance costs by deductible amount

Your homeowners insurance deductible is what you pay toward each covered claim. While you can save money on your premium by choosing a higher deductible, you may want to reconsider before setting it too high. 

As seen in the table below, Kansas residents can save around $486 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$3,485

$1,000

$3,159

$2,000

$2,999

Home insurance discounts in Kansas

Most insurance companies offer discounts to customers who install home safety devices. Protecting your house from fire and theft means you are less likely to file an insurance claim, which saves money for you and your insurer. 

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Kansas with deadbolts, smoke alarms, or burglar alarms.

Discount

Average yearly cost

Dead bolt

$3,151

Smoke alarm

$3,136

Burglar alarm

$3,066

Home insurance companies in Kansas for dog owners

Owners of certain dog breeds may see higher rates on their homeowners insurance, as pit bulls, Rottweilers, and other so-called “aggressive” breeds tend to be responsible for more bites and attacks, resulting in liability claims.

With an average rate of $2,577 per year, American Family has the cheapest home insurance rates in Kansas for a home with a dangerous dog breed, while Farm Bureau Insurance’s average yearly premium of $3,920 is the highest. 

Company

Average yearly cost

American Family

$2,577

Farmers

$2,610

Allstate

$3,092

State Farm

$3,704

Farm Bureau Insurance

$3,920

Home insurance companies in Kansas for poor credit

If you have a poor credit score, your insurer may charge you higher home insurance rates, as evidence suggests customers with good credit tend to pay for small damages or losses out of pocket rather than rely on home insurance. 

With an average rate of $3,730 per year, American Family has the cheapest home insurance rates in Kansas for a homeowner with poor credit, while State Farm’s average yearly premium of $6,365 is the highest. 

Company

Average yearly cost

American Family

$3,730

Allstate

$4,010

Farmers

$5,107

Farm Bureau Insurance

$5,668

State Farm

$6,365

Home insurance companies in Kansas for pool owners

If you have a swimming pool on your property, your insurer may charge you higher rates due to the increased risk of injury and liability claims. 

With an average rate of $2,577 per year, American Family has the cheapest home insurance rates for Kansas homes that have a swimming pool, while Farm Bureau Insurance’s average yearly premium of $3,920 is the most expensive.

Company

Average yearly cost

American Family

$2,577

Farmers

$2,610

Allstate

$3,142

State Farm

$3,704

Farm Bureau Insurance

$3,920

How to buy homeowners insurance in Kansas

Since the cost of homeowners insurance is based on a number of factors pertaining to your house, your location, and even your credit score, it’s important to shop around before buying a policy. 

Knowing how much and what type of coverage you need can keep you from overpaying or being underinsured. Here are some steps to get you started:

  1. Reach out to a licensed Policygenius agent. A Policygenius agent can answer your questions and help determine which insurance company has the best policy for you at the most affordable price. 

  2. Ask about the Kansas FAIR plan. If you are having trouble buying insurance through traditional companies, a Kansas FAIR plan can provide the coverage you need to protect your home. 

  3. Consider purchasing flood insurance. Even if you don’t live in a flood zone, many parts of Kansas are prone to severe storms and flooding. A flood insurance policy could save you from paying for costly repairs out of pocket.

  4. Compare quotes from a Policygenius agent.  A Policygenius agent can help you compare quotes from several different companies and break down the pros and cons of each policy option.

  5. Choose your policy, sign it, and pay your first premium. When you’ve chosen a home insurance policy, a Policygenius expert can take care of the paperwork on your behalf. Once you pay your first premium, you’re set to go.

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Frequently asked questions

What is the average cost of homeowners insurance in Kansas?

The average cost of homeowners insurance in Kansas is $3,159 per year.

Does the age of your home affect home insurance costs?

Older homes cost more to insure because they may fall apart more easily than new homes and they often need to be brought up to modern building codes when undergoing repairs.

How can I reduce the cost of homeowners insurance?

Most insurance companies offer a variety of discounts that can bring down the cost of your premium. Choosing a higher deductible can also reduce your home insurance rate. One of the best things you can do to make sure you’re getting the most affordable rate is to shop around and compare quotes from several cmopanies.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Freelance contributor

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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