The Best Home Insurance in Kansas for 2024
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The average cost of homeowners insurance in Kansas is $3,570 per year, or about $298 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Kansas in the following categories:
Best for affordability: Auto-Owners.
Best for coverage: Openly.
Best for consumer experience: American Family and Nationwide.
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.
Best affordable homeowners insurance in Kansas: Auto-Owners
Auto-Owners Insurance
Coverage options
Discounts
NAIC complaints
Auto-Owners Insurance
Coverage options
Discounts
NAIC complaints
In Kansas, the average annual premium for Auto-Owners is $1,910, which is well below the state average of $3,570.
Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
Learn more with our Auto-Owners home insurance review.
Best homeowners insurance in Kansas for coverage: Openly
Coverage options
Discounts
NAIC complaints
Openly
Coverage options
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NAIC complaints
Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before, up to $5 million.
Plus, if your things are stolen or destroyed, Openly will pay enough for you to buy brand-new replacements, rather than paying less for older items that have lost value over time. It also covers your belongings on an “open perils” basis, paying for damage from anything except scenarios your policy excludes. Most home insurance policies cover damage only from causes specifically named in your policy.
Learn more with our Openly home insurance review.
Best homeowners insurance in Kansas for consumer experience: American Family and Nationwide
Coverage options
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NAIC complaints
American Family
Coverage options
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NAIC complaints
American Family receives fewer consumer complaints than expected for a company of its size. Its user-friendly website offers features such as bill payments, claim reporting, online quotes and general insurance information.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
Get more information in our American Family homeowners insurance review.
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide offers a robust digital experience, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
The best homeowners insurance in Kansas
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Kansas. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
Not available | ||
$4,505 | ||
$1,910 | ||
Not available | ||
$5,690 | ||
Not available | ||
$2,865 | ||
$2,720 | ||
USAA* | Not available | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
How much does homeowners insurance cost in Kansas?
The average annual cost of home insurance in Kansas is $3,570. That's 86% more than the national average of $1,915.
In most states, including Kansas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Kansas, those with poor credit pay an average of $6,075 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 70% more than those with good credit.
Average cost of homeowners insurance in Kansas by city
How much you pay for homeowners insurance in Kansas depends on where you live. For instance, the average cost of home insurance in Wichita is $4,800 per year, while homeowners in Topeka pay $3,550 per year, on average.
Average cost of homeowners insurance in Kansas by city
City | Average annual rate | Average monthly rate |
|---|---|---|
Derby | $4,240 | $353 |
Dodge City | $4,690 | $391 |
Emporia | $3,665 | $305 |
Garden City | $4,675 | $390 |
Gardner | $2,930 | $244 |
Hays | $5,055 | $421 |
Hutchinson | $4,440 | $370 |
Junction City | $3,425 | $285 |
Kansas City | $3,215 | $268 |
Lawrence | $3,205 | $267 |
Leavenworth | $3,185 | $265 |
Leawood | $2,830 | $236 |
Lenexa | $2,845 | $237 |
Liberal | $4,910 | $409 |
Manhattan | $3,165 | $264 |
Mission | $2,910 | $243 |
Newton | $4,145 | $345 |
Olathe | $2,955 | $246 |
Overland Park | $2,875 | $240 |
Pittsburg | $3,695 | $308 |
Prairie Village | $2,830 | $236 |
Salina | $3,750 | $313 |
Shawnee | $2,830 | $236 |
Topeka | $3,550 | $296 |
Wichita | $4,800 | $400 |
The cheapest home insurance in Kansas
Here are the insurers we found with average annual rates below the Kansas average of $3,570.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,910 | ||
Marysville Mutual | Not rated | $2,510 |
$2,720 | ||
Shelter | 4.0 NerdWallet rating | $2,850 |
$2,865 | ||
Bremen Farmers Mutual | Not rated | $3,285 |
What to know about Kansas homeowners insurance
You may face certain risks when living in Kansas. Here are a few of the most common, along with steps you can take to insure your home properly against them.
Tornadoes
Most home insurance will cover damage caused by strong winds, including tornadoes. However, Kansans may have a separate wind and hail deductible, typically 1% to 2% of the dwelling coverage limit, which is the amount your insurer will pay to rebuild your house. So if your wind deductible is 1% and your house has $250,000 of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.
Another factor to consider is the cost of rebuilding your home if it’s destroyed. Talk to your insurer to make sure you have enough dwelling coverage to rebuild should that happen.
Flooding
Standard homeowners insurance policies typically do not cover flood damage, so homeowners in flood-prone areas may need to buy separate flood insurance to protect their property from water damage.
To find out your risk, check out the Federal Emergency Management Agency's flood maps and RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low-risk, it may be worthwhile to buy flood insurance for extra peace of mind.
Remember that while you can buy flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Thunderstorms and hail
Kansas is no stranger to spring storms, including punishing hailstorms bringing softball-sized hail that can damage your home. As with tornadoes, you may have a separate wind/hail deductible, typically 1% to 2% of your dwelling coverage.
Winter storms
Homeowners insurance generally covers winter-related damage, but some types of damage may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt.
Earthquakes
Standard homeowners insurance policies do not typically cover structural damage caused by earthquakes. You’d need to buy additional earthquake insurance.
Earthquake insurance often has a separate deductible, which can be between 5% and 25% of your dwelling coverage limit. If you have a 5% deductible on $200,000 of coverage, you’d need to pay $10,000 to repair earthquake damage before your insurance covers anything.
Kansas Insurance Department
The Kansas Insurance Department regulates the state’s insurance industry and provides consumer education on insurance and securities. The department’s staff can answer your questions about insurance by email at [email protected] or by phone at 800-432-2484.
Additionally, if you have a complaint about your insurer, the Kansas Insurance Department serves as an advocate. You can file a complaint online or can send in the consumer complaint form via mail or email.
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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