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.
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.
Methodology & why you can trust our rates
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.
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 |
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
Read our full State Farm home insurance review
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'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 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 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
Read our full Farmers home insurance review here
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
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 largest cities and its suburbs, including Kansas City, Olathe, 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 a tornado-prone area of Kansas or city with high crime, you will likely see higher home insurance rates as well.
City | Company | Average yearly cost |
|---|---|---|
Derby | Allstate | $2,527 |
Dodge City | American Family | $2,971 |
Emporia | Auto-Owners Insurance | $1,755 |
Garden City | American Family | $2,958 |
Gardner | Allstate | $1,616 |
Hutchinson | Auto-Owners Insurance | $2,385 |
Junction City | Auto-Owners Insurance | $1,715 |
Kansas City | Auto-Owners Insurance | $1,817 |
Lawrence | Auto-Owners Insurance | $1,601 |
Leavenworth | Auto-Owners Insurance | $1,633 |
Leawood | Auto-Owners Insurance | $1,609 |
Lenexa | Auto-Owners Insurance | $1,622 |
Manhattan | Auto-Owners Insurance | $1,624 |
Olathe | Auto-Owners Insurance | $1,524 |
Overland Park | Auto-Owners Insurance | $1,605 |
Prairie Village | Auto-Owners Insurance | $1,627 |
Salina | Auto-Owners Insurance | $1,928 |
Shawnee | Auto-Owners Insurance | $1,637 |
Topeka | Auto-Owners Insurance | $1,661 |
Wichita | Auto-Owners Insurance | $2,564 |
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:
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.
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.
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.
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.
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.
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.
