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Country Financial and Chubb are among the best home insurance companies in Kansas, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Kansas. Below are the insurers that earned 5 stars in our analysis.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
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.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$2,450 | ||
Not available | ||
Not available | ||
USAA* | Not available | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
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Answer a few questions to see custom quotes and find the right policy for you.The best home insurance companies in Kansas
Here's more information about the best homeowners insurance companies in Kansas.
Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
Amica stands out for its customer service and broad range of coverage options. You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
» READ MORE: Amica homeowners insurance review
Auto-Owners
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
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 (usually known as equipment breakdown coverage). 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.
» READ MORE: Auto-Owners homeowners insurance review
Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.
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.
» READ MORE: Chubb homeowners insurance review
Country Financial
Best for those who prefer to have a personal conversation with an agent when choosing coverage.- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
- Can get an online quote but must finish the purchase over the phone.
Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case the cost of rebuilding exceeds your policy limit.
Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.
» READ MORE: Country Financial homeowners insurance review
USAA
Offers perks and affordable rates for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to veterans, active military 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.
One way USAA stands out is by automatically covering your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
Other home insurance companies to consider
Looking for more of the best homeowners insurance companies in Kansas? These insurers received a NerdWallet star rating of 4.5:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$4,025 | ||
$3,890 | ||
Not available | ||
Not available | ||
$6,140 | ||
Not available | ||
$3,155 | ||
$2,745 |
How much does homeowners insurance cost in Kansas?
The average annual cost of home insurance in Kansas is $3,735. That's 77% more than the national average of $2,110.
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 $6,110 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 64% 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 $4,375 per year, while homeowners in Topeka pay $3,620 per year, on average.
Average cost of homeowners insurance in Kansas by city
City | Average annual rate | Average monthly rate |
|---|---|---|
Derby | $4,375 | $365 |
Dodge City | $4,965 | $414 |
Emporia | $3,530 | $294 |
Garden City | $4,940 | $412 |
Gardner | $3,170 | $264 |
Hays | $4,890 | $408 |
Hutchinson | $4,210 | $351 |
Junction City | $3,565 | $297 |
Kansas City | $3,155 | $263 |
Lawrence | $3,395 | $283 |
Leavenworth | $3,240 | $270 |
Leawood | $3,170 | $264 |
Lenexa | $3,170 | $264 |
Liberal | $4,650 | $388 |
Manhattan | $3,360 | $280 |
Mission | $3,170 | $264 |
Newton | $4,210 | $351 |
Olathe | $3,170 | $264 |
Overland Park | $3,170 | $264 |
Pittsburg | $3,695 | $308 |
Prairie Village | $3,170 | $264 |
Salina | $3,935 | $328 |
Shawnee | $3,170 | $264 |
Topeka | $3,620 | $302 |
Wichita | $4,375 | $365 |
The cheapest home insurance in Kansas
Here are the insurers we found with average annual rates below the Kansas average of $3,735.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,450 | ||
$2,745 | ||
Marysville Mutual | Not rated | $3,105 |
$3,155 | ||
Shelter | Not rated | $3,300 |
Bremen Farmers Mutual | Not rated | $3,620 |
Common risks for Kansas homeowners
Here are a few of the most common risks you may face as a Kansas homeowner, along with steps you can take to insure your home 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. Learn more about home insurance and tornadoes.
Flooding
Standard homeowners insurance policies typically don't cover flood damage, so homeowners in at-risk areas may need to buy separate flood insurance. Note that while you can buy coverage at any time, there’s often a 30-day waiting period before flood insurance takes effect.
To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps can be outdated and don’t always capture all types of flood risk. Another source to check is First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.
» MORE: Do you need flood insurance?
Thunderstorms and hail
Kansas is no stranger to 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 scenarios may require extra coverage. For example, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt.
Earthquakes
Standard homeowners insurance policies don't usually 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 Department of Insurance 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 KDOI@ks.gov or by phone at 800-432-2484.
If you have a complaint about your insurer, the Kansas Insurance Department serves as an advocate. You can file a complaint online or send in the consumer complaint form via mail, email or fax.
- Looking for more insurance in Kansas?
- Find home insurance in other states
Amanda Shapland contributed to this story.
Frequently asked questions
Is homeowners insurance required in Kansas?
Is homeowners insurance required in Kansas?
Home insurance isn't required by Kansas state law. However, your lender may require you to buy home insurance. For more information, read Is Homeowners Insurance Required?
Does Kansas home insurance cover earthquakes?
Does Kansas home insurance cover earthquakes?
Standard home insurance in Kansas doesn't cover earthquakes. If you live in a part of the state with higher risk, you may want to look into separate earthquake insurance.
How can I save money on homeowners insurance in Kansas?
How can I save money on homeowners insurance in Kansas?
There are several ways to reduce your premiums:
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.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. 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 2021-2023. 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.
