KansasHomeowners Insurance

Find the Best Homeowners Insurance Rates & Companies in Kansas

The current average cost of homeowners insurance in Kansas is $3,083 per year or around $257 per month. Kansas home insurance rates are the second-highest in the nation overall, and this could be due to the state's increased risk of certain natural disasters, among other factors. That makes it all the more crucial for homeowners in this state to be equipped with the right home insurance policy.

Luckily, a Kansas independent insurance agent can help you get set up with coverage before disaster ever strikes. They'll get you matched to the right policy with ease. But first, let's take a closer look at Kansas home insurance requirements and more.

Best Homeowners Insurance Companies in Kansas

There are plenty of different home insurance companies in Kansas to get coverage through. But when you're looking for the best coverage available, you don't want to waste time in your search. That's why we put together this list of only the best home insurance companies in Kansas for your convenience. Start out by comparing rates from these top carriers.

• Allstate: Allstate sells coverage for lower than the state's overall average, with policies that include $250,000 in dwelling coverage for about $2,613 annually. The carrier offers a lot of customizable options for home insurance, such as optional electronic data recovery coverage, yard and garden coverage, sports and musical equipment coverage, and business property coverage. Allstate also offers a ton of discounts.
• Travelers: Travelers' policies are a bit more affordable than Allstate's. Average policies cost $2,339 per year in Kansas. The carrier also offers many endorsements, including green home endorsements. Travelers also offers a ton of discounts to help bring down your policy costs, including smart home discounts and new home buyer discounts.
• Auto-Owners: Auto-Owners is the cheapest home insurance company in Kansas on our list, with average policies going for just $1,565 annually. The carrier also offers a number of discounts to help reduce your costs even more. But what's even better is the fact that Auto-Owners works with a network of independent insurance agents to help personalize your coverage journey.

A Kansas independent insurance agent can help set you up with home insurance coverage from one of these excellent local carriers.

What Homeowners Insurance in Kansas Can Cover

Kansas, unfortunately, is prone to many different kinds of natural disasters. Some of Kansas's most common natural foes include severe storms like thunderstorms, flooding, tornadoes, and severe winter storms. For a couple of these disasters, just having standard home insurance coverage isn't enough to protect against possible losses. It's critical to review your policy's exclusions from the beginning.

Severe Storms

In Kansas, home insurance covers damage caused by severe storms like thunderstorms from a couple of different angles. Lightning strikes and resulting fires are covered by home insurance, as are wind and hail. But natural flooding damage that follows heavy rainfall is excluded by home insurance in Kansas. Lightning, fire, wind, and hail damage all come standard in your home insurance policy.

Tornadoes

In Kansas, you'll need to review your specific home insurance policy to be certain of the extent of its wind coverage, such as from disasters like tornadoes. Most home insurance policies include protection for the exterior and dwelling or structure of the home against wind damage. But your specific policy might include only limited coverage for wind damage that affects your home's interior, especially if it's not related to exterior damage to the home, such as from a broken window. You may have limited coverage for additional structures on your property as well.

Winter Storms

In Kansas, home insurance covers damage to your home and personal property caused by snow and ice. It even covers incidents of roof collapses under the weight of snow and ice. While these protections come standard in home insurance, keep in mind that any flooding caused by melted snow would be excluded by your policy.

What Homeowners Insurance in Kansas Will Not Cover

Kansas home insurance does come with certain exclusions, just like coverage throughout the rest of the country. As previously stated, natural flood damage isn't covered by Kansas home insurance. But it's also critical to understand that Kansas home insurance won't cover damage caused by earthquakes, either. You'd need separate earthquake insurance to have this protection. Since Kansas does have a moderate flood risk, you should consider adding flood insurance. However, the state doesn't typically experience earthquakes, so you may be able to safely go without this policy. A Kansas independent insurance agent can help advise you on any additional coverage you may want to add.

Flood Damage in Kansas

While your Kansas home could experience flooding due to rainfall and other natural disasters, these aren't the only excluded types of flood damage you need to be aware of as a homeowner. That's because flooding to the home caused by sewer line breaks and incidents of sewer backup are also excluded by standard home insurance unless you specifically add a rider or endorsement to your policy. Unless it's specifically listed in your policy, you can expect this kind of coverage to be excluded. If you want this coverage, you'll need a flood insurance policy.

Average Cost of Homeowners Insurance in Kansas

The current average cost of home insurance in Kansas is $3,083 per year or about $257 per month. The current national average rate of home insurance is $1,428 per year, making Kansas's rates quite a bit more expensive in comparison. In fact, Kansas's home insurance rates are more than double the current national average. This can be due to factors like the state's extreme risk of natural disasters like tornadoes when compared to most of the US. However, there are plenty of discount options available and other ways to bring down the costs of your coverage in Kansas.

Average Kansas Home Insurance Costs by City

Average home insurance costs in Kansas also vary by city. The same amount of coverage in one Kansas city might be a completely different rate than it would be two towns over. The cheapest home insurance in Kansas is observed in Hutchinson, which has an average annual rate of just $1,299. Here are some Kansas cities and their average cost of home insurance.

Average Kansas Home Insurance Costs by City

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,428 year

City	Annual insurance cost	Avg. home value	Burglaries / 1,000 homes
Dodge City	$1,321	$108,166	3.1
Garden City	$1,391	$131,085	2.4
Hays	$1,618	$173,280	1.4
Hutchinson	$1,299	$100,563	6.4
Lawrence	$1,571	$191,500	5.4
Olathe	$1,584	$217,300	.87
Overland Park	$1,819	$264,900	1.95
Salina	$1,413	$126,265	4.5
Topeka	$1,336	$107,900	8.7
Wichita	$1,325	$123,500	6.9

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