The Best Home Insurance in Kansas for 2023

We analyzed the cheapest rates and top companies for Kansas home insurance.
Sarah Schlichter
Kayda Norman
By Kayda Norman and  Sarah Schlichter 
Published
Edited by Caitlin Constantine

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The average cost of homeowners insurance in Kansas is $2,955 per year, or about $246 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

The best homeowners insurance in Kansas

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the best homeowners insurance companies.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$2,540

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$2,980

5.0

NerdWallet rating 

Not available

*USAA homeowners policies are available only to active-duty military members, veterans and their families.

More about the best home insurance companies in Kansas

insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.


insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and it pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.


insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.


insurance-product-card-logo

American Family

4.5

NerdWallet rating 
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

American Family

4.5

NerdWallet rating 
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Founded in Madison, Wisconsin, American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.

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.


insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

USAA sells homeowners insurance to veterans, active-duty military members and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.

Homeowners in Kansas can take part in the company’s Connected Home program, which gives you a discount on your policy if you buy and install approved smart-home devices. These include water leak sensors, cameras and thermostats.


How much does homeowners insurance cost in Kansas?

The average annual cost of home insurance in Kansas is $2,955. That’s 62% more than the national average of $1,820.

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 $5,195 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 76% 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 $3,250 per year, while homeowners in Topeka pay $2,605 per year, on average.

City

Average annual rate

Average monthly rate

Derby

$3,150

$263

Dodge City

$3,540

$295

Emporia

$2,650

$221

Garden City

$3,560

$297

Hutchinson

$3,170

$264

Junction City

$2,580

$215

Kansas City

$2,470

$206

Lawrence

$2,415

$201

Leavenworth

$2,390

$199

Leawood

$2,295

$191

Lenexa

$2,295

$191

Manhattan

$2,575

$215

Mission

$2,410

$201

Olathe

$2,275

$190

Overland Park

$2,325

$194

Pittsburg

$2,780

$232

Salina

$2,765

$230

Shawnee

$2,320

$193

Topeka

$2,605

$217

Wichita

$3,250

$271

The cheapest home insurance in Kansas

Here are the insurers we found with average annual rates below the Kansas average of $2,955.

Company

NerdWallet star rating

Average annual rate

4.0

NerdWallet rating 

$2,195

4.0

NerdWallet rating 

$2,325

5.0

NerdWallet rating 

$2,540

Marysville Mutual

Not rated

$2,845

What to know about Kansas homeowners insurance

When shopping for the best home insurance in Kansas, make sure to consider the potential for severe weather, including tornadoes, hailstorms, snowstorms, earthquakes and flooding. Read your policy carefully so you understand what’s covered and what isn’t.

Tornadoes

As part of Tornado Alley, Kansas gets more tornadoes than most states, seeing 68 tornadoes in 2022

Insurance Information Institute. Facts + Statistics: Tornadoes and thunderstorms. Accessed Aug 15, 2023.
. These storms can seriously damage homes, including roofing, windows and the structure itself.

Most home insurance will cover damage caused by strong winds. 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

Flooding is a concern for homeowners throughout Kansas because of heavy rain or rapid snowmelt. 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

Kansas can see harsh winter conditions, from freezing temperatures to blustering blizzards. A chilly winter wonderland can cause problems for Kansas homeowners, including frozen pipes or roof collapse under the weight of snow.

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

While not a massive risk for Kansas, the prevalence of earthquakes has increased over recent years, especially along the state's southern border. However, 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.

Looking for more insurance? Check out the cheapest car insurance in Kansas.

Amanda Shapland contributed to this story.

Frequently asked questions

Home insurance is not required by Kansas state law. However, your lender may require you to buy home insurance. For more information, read Is Homeowners Insurance Required?

Standard home insurance in Kansas does not cover earthquakes. If you live in a higher-risk area of the state, you may want to investigate separate earthquake insurance.

There are several ways to save money on home insurance in Kansas:

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

  • Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.

  • Ask your insurer if you qualify for any home insurance discounts.

Methodology

NerdWallet averaged 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 2019-2021. 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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