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The Best Homeowners Insurance in Kansas [2023]

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Find a top-ranked Homeowners Insurance Agency in your area

If you’re looking for a place to settle down, what better place than the center of the continental U.S.? Kansas, known for its lakes, barbeque, and the Wizard of Oz, is a highly desirable place to purchase a home with affordable prices, little traffic, and a low cost of living. However, the state is prone to natural disasters as it lies in tornado alley. So once you’ve found your dream house, you’ll want to protect it. After all, there’s no place like home…

We at Expertise.com are here to make the home-buying process easier. We’ve compiled the best homeowners insurance companies, rates, and coverage options for Kansas homeowners so that you can protect your home and everything in it. 

Average Cost of Homeowners Insurance in Kansas

The average cost of basic home insurance coverage in Kansas is $1,274 according to Value Penguin, which is lower than the national average. 

The cost of a home insurance policy for your Kansas home can differ vastly based on a few key factors:

  • The age of your home: Is your home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to the water or the shoreline?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file a claim. Talk to your insurance provider about diminishing deductibles to get the best plan that suits your payment needs.

Kansas Homeowners Insurance Rates by City

Your home insurance rates may vary depending on the city in which you choose to purchase a home.

Below is a breakdown of the average annual rate by city:

City

Average Annual Rate

Wichita 

Overland Park

Kansas City

Olathe

Topeka

Lawrence

Manhattan

Salina

Hutchinson

Leavenworth

Leawood

Garden City

Dodge City

Average rates are for annual policies with $250,000 in dwelling coverage.

The Best Homeowners Insurance in Kansas

With so many insurance companies to choose from, it can be challenging to narrow down the best coverage options for your specific needs. Below are the best providers based on coverage, cost, and customer ratings.

Allstate logo

Allstate


Average Annual Rate: ~ $1,670

Notes: Bundling up to 25%, discounts for new homeowners

Shelter

Shelter


Average Annual Rate: ~ $1,274

Notes: Cheapest annual rates with several home insurance discounts

Marysville Mutual

Marysville Mutual


Average Annual Rate: ~ $1,487

Notes: Local agent support, cheap rates

Average rates are for annual policies with $250,000 in dwelling coverage.


Cheapest Homeowners Insurance in Kansas

If you’re looking for an insurance company with more affordable options, Shelter has the cheapest average annual premium rates for non-military families at $,1274. Find more of the most affordable private insurer options for home insurance below: 

Provider

Average Annual Rate

Shelter

Marysville Mutual

Allstate

Travelers

State Farm

American Family

Farm Bureau

Auto-Owners

Nationwide

Farmers

Average rates are for annual policies with $250,000 in dwelling coverage.

Don’t forget that insurance prices vary depending on each homeowner’s location and coverage needs but shopping around to get the best annual rate and home insurance quotes is a good idea if cost is an important factor in your decision. 

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FAQs

Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Kansas specifically. 

How to Reduce Homeowners Insurance Costs in Kansas

It’s best not to cut corners when it comes to coverage or insuring your home, however, there are a few ways that you can reduce your costs, without sacrificing your coverage.

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your premiums. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or deadbolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

Kansas Insurance Options in Your City

At Expertise.com, our goal is to connect Kansas residents with the best local experts and agencies, so you can find the homeowners policy that safely insures your home and most prized possessions. 

View our list of the best homeowners insurance agencies here

Learn more about the best homeowners insurance policy options in your respective Kansas cities below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.