The Best Home Insurance in Kansas for 2024

Auto-Owners and Openly are among the best home insurance companies in Kansas.
Updated
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Written by Kayda Norman
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Fact Checked
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Co-written by Sarah Schlichter
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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:

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.

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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.

Best affordable homeowners insurance in Kansas: Auto-Owners

insurance-product-card-logo

Auto-Owners

4.5

NerdWallet rating 
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Auto-Owners

4.5

NerdWallet rating 
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

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.


Best homeowners insurance in Kansas for coverage: Openly

insurance-product-card-logo

Openly

4.5

NerdWallet rating 
Premium coverage for high-end homes with no dog breed restrictions.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Openly

4.5

NerdWallet rating 
Premium coverage for high-end homes with no dog breed restrictions.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

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

insurance-product-card-logo

American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

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.

insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

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.


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

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$4,505

4.5

NerdWallet rating 

$1,910

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$5,690

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$2,865

4.5

NerdWallet rating 

$2,720

5.0

NerdWallet rating 

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

4.5

NerdWallet rating 

$1,910

Marysville Mutual

Not rated

$2,510

4.5

NerdWallet rating 

$2,720

Shelter

4.0

NerdWallet rating 

$2,850

4.5

NerdWallet rating 

$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.

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 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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