Compare accounts

Get guidance

Compare accounts

Get guidance

Money market accounts

Money market accounts are similar to savings accounts, but offer some checking features as well.

Get guidance

Banking

Skip the searching and find your next bank in minutes with BankMatch℠.

Get guidance

Compare rates

Get guidance

Compare rates

Get guidance

Buying & selling

Find an expert who knows the market. Compare trusted real estate agents all in one place.

Get guidance

Compare investments

Get guidance

Compare plans

Get guidance

Finding an advisor

Get guidance

Compare cards

Find your fit

See your card matches

Answer a few quick questions and we’ll show you your top credit card options.

Compare cards

See what the experts say

Read in-depth credit card reviews to find out which cards have the best perks and more.

Get guidance

Compare lenders

Get guidance

Compare lenders

Get guidance

Compare lenders

Get guidance

Compare lenders

Get guidance

HELOC

A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.

Home equity basics

Home equity loans

Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.

Get guidance

Compare rates

Get guidance

Compare rates

Get guidance

Compare companies

Get guidance

Powered by Coverage.com (NPN: 19966249)

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.

Best homeowners insurance companies in Kansas for 2024

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

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

Powered by Coverage.com (NPN: 19966249)

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.

The Bankrate Promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity, this post may contain references to products from our partners. Here’s an explanation of  how we make money. Our content is backed by Coverage.com  LLC, a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

On this page

Kansas homeowners insurance is among the most expensive in the country. On average, a Kansas resident can expect to pay $3,914 per year or $326 per month for a home insurance policy with $300,000 in dwelling coverage. These high rates are, in part, due to the state's high risk for tornado damage and strong wind storms.

To help you find the best home insurance in Kansas, we looked at average rates but also considered several other factors, including coverage offerings, discounts, digital tools and third-party scores. We also analyzed average premiums by coverage level and the average cost of coverage in various cities. Our picks for the best home insurance companies in Kansas are:

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.

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. 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.

Editorial integrity

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

On This Page

On This Page

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:

Powered by Coverage.com (NPN: 19966249)

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.

Bankrate's trusted insurance industry expertise

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

4.6

4.6

Avg. premium for $300K dwelling

$157/mo

Avg. premium for $300K dwelling

$1,881/yr

Customer satisfaction

834/1,000

Why Auto-Owners made our list: Auto-Owners may not be the most recognizable name on our list, but the company offers coverage in 26 states, including Kansas. On top of its low rates, Auto-Owners also offers several discounts that may help you save even more. Coverage is sold by a network of local agents, which can be an appealing feature, but its digital tools may leave a lot to be desired.

Who Auto-Owners may be good for: If budget is your primary concern, Auto-Owners may be worth your consideration, as the company has low average premiums in Kansas.

CheckmarkPros

Close XCons

Despite its name, Auto-Owners offers a wide array of home insurance policies with several endorsements to consider. These endorsements include the following coverage options:

Best for local agencies

4.2

4.2

Avg. premium for $300K dwelling

$235/mo

Avg. premium for $300K dwelling

$2,820/yr

Customer satisfaction

829/1,000

Why State Farm made our list: State Farm has one of the largest agent networks in the country, with over 19,000 licensed insurance professionals. The company sells numerous types of insurance, as well as banking products, which might be appealing if you like to consolidate your financial products with one company. Although State Farm has high third-party ratings and scores, its average premium is higher than other carriers on our list.

Who State Farm may be good for: If you like to handle your insurance needs at a local agency, State Farm might be a good choice.

CheckmarkPros

Close XCons

State Farm is one of the older names in insurance. Below are some of the additional coverage options offered by State Farm:

Best for customer satisfaction

4.2

4.2

Avg. premium for $300K dwelling

$312/mo

Avg. premium for $300K dwelling

$3,747/yr

Customer satisfaction

813/1,000

Why American Family made our list: American Family’s customer satisfaction score falls in the middle of our list per J.D. Power’s home insurance study but still came in slightly below the industry average. The company offers several endorsements that may appeal to Kansas homeowners. For example, you might want to add matching siding coverage to ensure that any damaged and replaced siding matches the rest of your home. You could also add water backup coverage, credit theft protection and monitoring and equipment breakdown coverage. However, American Family’s AM Best financial strength rating is the lowest on our list (though still relatively high).

Who American Family may be good for: American Family could be the right fit if you are looking for superior customer service.

CheckmarkPros

Close XCons

American Family offers a robust list of home policy endorsements, including the following:

Best for personalized coverage

4.2

4.2

Avg. premium for $300K dwelling

$262/mo

Avg. premium for $300K dwelling

$3,150/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate’s policies are highly personalizable, with options like yard and garden coverage, electronic data recovery, business property coverage and coverage for sports and musical equipment available. You might be able to lower your premium by taking advantage of the company’s numerous discounts. Allstate’s customer satisfaction score is below average, though, according to J.D. Power.

Who Allstate may be good for: If you’re looking for a company that offers plenty of endorsements and discounts to help you craft a policy that fits your unique needs, Allstate might be a good fit.

CheckmarkPros

Close XCons

Allstate offers robust policy customization options. Some additional coverage options include:

Best for discounts

4.1

4.1

Avg. premium for $300K dwelling

$256/mo

Avg. premium for $300K dwelling

$3,075/yr

Customer satisfaction

790/1,000

Why Travelers made our list: Travelers may have the lowest J.D. Power score on our list, but it could make up for it with its impressive list of discounts. You might save if your home is a certified “green home” per Leadership in Energy and Environmental Design specifications, if you are a new homebuyer or if your home has smart home features. However, Travelers does have a lower-than-average J.D. Power customer and claims satisfaction scores.

Who Travelers may be good for: If you’re looking for plenty of discounts combined with a financially strong company, Travelers could be a good option.

CheckmarkPros

Close XCons

Travelers offers a small variety of additional home insurance endorsements to consider. Below are a few of these coverage options:

Additional Kansas home insurance companies to consider

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.

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.

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.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Powered by Coverage.com (NPN: 19966249)

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.

Leaving so soon? Your custom quotes are just minutes away.

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:

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:

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:

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:

Is homeowners insurance required by law or by your mortgage company? Previously Read

The best home and auto insurance bundles Previously Read

Homeowners insurance statistics and facts Previously Read

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.

Frequently asked questions

What is the cheapest homeowners insurance company in Kansas?

No one company in Kansas offers the cheapest coverage for everyone. Home insurance premiums can be based on a number of factors, including information about your home, like its specific location and risk level, value, age and custom features. Getting quotes for the same coverage from several providers might help you find the coverage you need at a lower price.

No one company in Kansas offers the cheapest coverage for everyone. Home insurance premiums can be based on a number of factors, including information about your home, like its specific location and risk level, value, age and custom features. Getting quotes for the same coverage from several providers might help you find the coverage you need at a lower price.

How do I get homeowners insurance in Kansas?

To get a home insurance policy, you will first start by getting quotes. You can often do this online, or you can call a company or visit a local agency. You will need your address, name, date of birth and possibly your Social Security number. You should also be prepared to answer some general questions about your home, like the year built, square footage, roof age and if it has custom features. Once you’ve chosen a quote to purchase, a representative will let you know the next steps. You may need to sign an application and make a payment, unless your home insurance is billed to your mortgage escrow account.

To get a home insurance policy, you will first start by getting quotes. You can often do this online, or you can call a company or visit a local agency. You will need your address, name, date of birth and possibly your Social Security number. You should also be prepared to answer some general questions about your home, like the year built, square footage, roof age and if it has custom features. Once you’ve chosen a quote to purchase, a representative will let you know the next steps. You may need to sign an application and make a payment, unless your home insurance is billed to your mortgage escrow account.

How can I save on my Kansas home insurance?

Homeowners insurance in KS is more expensive than it is in many other parts of the nation, but there are ways to save. Getting quotes from several companies is often the first step because every company offers different rates. Taking advantage of as many discounts as possible could also lower your premium. If you have an auto insurance policy, bundling your home insurance with the same company is often one of the biggest discounts. Keeping your home in good condition can help you avoid damage that can lead to claims, which could increase your premium.

Homeowners insurance in KS is more expensive than it is in many other parts of the nation, but there are ways to save. Getting quotes from several companies is often the first step because every company offers different rates. Taking advantage of as many discounts as possible could also lower your premium. If you have an auto insurance policy, bundling your home insurance with the same company is often one of the biggest discounts. Keeping your home in good condition can help you avoid damage that can lead to claims, which could increase your premium.

Kansas homeowners insurance is among the most expensive insurance in the country. There are a number of reasons for these steep costs, including the fact that the state experiences a significant number of severe weather events like tornadoes and hailstorms. These weather risks result in a high number of claims in Kansas, which leads to higher overall insurance costs throughout the state. Additionally, factors such as the age and condition of homes, local building costs and crime rates can also influence insurance rates.

Kansas homeowners insurance is among the most expensive insurance in the country. There are a number of reasons for these steep costs, including the fact that the state experiences a significant number of severe weather events like tornadoes and hailstorms. These weather risks result in a high number of claims in Kansas, which leads to higher overall insurance costs throughout the state. Additionally, factors such as the age and condition of homes, local building costs and crime rates can also influence insurance rates.

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:

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

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Bankrate logo Bankrate

About

Help

Legal

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access

© 2024 Bankrate, LLC. A Red Ventures company. All Rights Reserved.