Best Kansas Homeowners Insurance Quotes (2024)

With annual premiums averaging $1,192, Armed Forces Insurance Exchange offers some of the cheapest homeowners insurance policies in Kansas.

Emily Guy Birken
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Updated August 7, 2024

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Homeowners in Kansas pay an average of $3,437 per year for a $300,000 home insurance policy with a $1,000 deductible, which is higher than the national average cost of $2,377 per year.

Considering that Kansas is famous for tornadoes — including those that carry farm girls (and their little dogs, too) to Oz — it makes sense that homeowners in the state pay higher home insurance premiums than the average American. Two Kansas counties have a very high risk of tornadoes, while another five face a moderately high risk of twisters.[1]

But even with this increased risk of natural disasters, Kansans can find a home insurance policy to keep their houses safe. Here’s what you need to know about comparing quotes and finding the best Kansas homeowners insurance.

Quick Facts
  • Armed Forces Insurance Exchange, Auto-Owners, Allstate, and Farmers have the cheapest home insurance rates in the Sunflower State, according to Insurify data.

  • As of July 2024, the average home value in Kansas is $233,625, compared to the national average home value of $363,438, according to data from Zillow.

  • Kansas experiences approximately 5,000 reported wildfires each year.[2]

Best home insurance companies in Kansas

The best home insurance company in Kansas won’t be the same for every homeowner. Many good homeowners insurance options are available to Sunflower State homeowners, and it’s important to shop around to find the right one for your coverage needs.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Annual Premium
Best For
Armed Forces Insurance ExchangeNR$1,192Cheapest rates
Auto-Owners7.4$2,200Customer satisfaction
Allstate8.2$2,370Policy customization
Farmers8.4$2,741Eco-friendly homes
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: Armed Forces Insurance Exchange

Kansas is home to 20,578 active-duty service members and 14,251 National Guard and reserve members.[3] Kansas veterans, active-duty members of the military, and their families can get the cheapest homeowners insurance in the state through Armed Forces Insurance Exchange.

If you qualify for a policy with this insurer, you can access a number of important optional coverages, including earthquake, flood, water backup and sump overflow, and animal liability coverage. You may also qualify for a number of discounts and credits for things like installing central station burglar and fire alarms, implementing windstorm-mitigation features, and living in a gated or guarded community.

Pros
  • Online resources and tools geared toward military members’ needs

  • Renters, auto, business, and pet insurance available

Cons
  • Only available to military members and their families

  • No mobile app

Best insurer for customer satisfaction: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$152/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$229/mo

With its focus on providing excellent customer service and fostering relationships between agents and policyholders, Auto-Owners embodies the midwestern values of its Lansing, Michigan, headquarters. This insurer offers affordable rates and a robust menu of discounts, including those for multiple policies, installing home protective devices, paying your policy in full, and being mortgage-free.

Pros
  • Above-average J.D. Power customer satisfaction rating

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Low mobile app ratings on App Store (3/5 stars) and Google Play Store (3.5/5 stars)

  • Quotes only available through an agent

Best insurer for policy customization: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$184/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$248/mo

Making sure you have the right insurance coverage for your needs can sometimes require policy customization. With Allstate, you can create a policy that meets your specific coverage needs without forgoing necessary coverage or paying for unnecessary protection.

Some of Allstate’s optional homeowners coverages include identity-theft restoration, electronic data recovery, and a unique HostAdvantage policy that covers your personal property if you’re home-sharing.

Pros
  • Optional green-improvement coverage pays to replace damaged covered property with energy-efficient versions

  • No list of  dog breeds banned from homeowners insurance coverage

Cons
  • Higher-than-average number of homeowner complaints on the National Association of Insurance Commissioners (NAIC) consumer complaint index

  • Below-average J.D. Power customer satisfaction rating

Best insurer for eco-friendly homes: Farmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$221/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$346/mo

Farmers makes it easy to manage policies digitally, with a number of online tools and a highly rated mobile app. This insurer has multiple discounts for environmentally conscious housing choices, including for having Energy Star, LEED, and EPA green certifications, as well as discounts for homes with asphalt or fiberglass roof shingles approved by UL.

Pros
  • Extended and guaranteed replacement cost options available

  • Many home insurance discounts available

Cons
  • Below-average J.D. Power customer satisfaction rating

  • Not the cheapest rates in Kansas

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Cheapest home insurance in Kansas

The cheapest home insurance company in Kansas is Armed Forces Insurance Exchange. 

But just because Armed Forces Insurance Exchange has the lowest prices doesn’t mean it’s necessarily the best homeowners insurance company for you.

The following insurers offer low rates and are among the best home insurance companies in the state:

Insurance Company
Average Annual Premium
Armed Forces Insurance Exchange$1,192
Auto-Owners$2,200
Allstate$2,370
Farmers$2,741
Marysville Mutual Insurance Co$2,881
Shelter Insurance$2,995
Travelers$3,076
State Farm$3,393
Bremen Farmers Mutual$3,432
American Family$3,504

Cost of homeowners insurance in Kansas

The average cost of home insurance in Kansas is $3,437 per year, or about $286 per month, for a $300,000 dwelling policy with a $1,000 deductible. This is higher than the national average cost of $2,377 per year for the same level of coverage.

Kansas home insurance rates are higher than the national average in part because of the increased risk of natural disasters in the Sunflower State. As part of Tornado Alley, many cities and counties in Kansas are more likely to experience severe storms, heavy rain, and wind damage, all of which can increase home insurance costs.

Good to Know

You do have some control over your premium costs since the coverage limits and deductibles you choose can make a big difference in how much you pay for insurance. Understanding your coverage and deductible options can help you find the right policy for an affordable price.

Cost of homeowners insurance by dwelling coverage amount

Dwelling coverage is the part of your home insurance policy that protects the physical structure of your house. If there’s damage to the structure of your home — which may include attached structures, such as garages — dwelling coverage will pay to repair the damage.

The Kansas Department of Insurance and other insurance professionals recommend homeowners purchase enough dwelling coverage to pay for at least 80% of the replacement cost of rebuilding the home. Just remember that increasing your dwelling coverage will also raise your premiums. Researching your dwelling coverage options can help you make the best choices for your peace of mind.

In the table below, you’ll find the average rates for Kansas home insurance policies with different levels of dwelling coverage for policies with a $1,000 deductible.

Coverage Limit
Average Annual Premium
$100,000$1,656
$200,000$2,527
$300,000$3,437
$400,000$4,395
$500,000$5,334

Cost of homeowners insurance by deductible

When you make an insurance claim, you’re responsible for paying a set amount of money — the deductible — before the insurance coverage kicks in. Your insurance rates depend partially on your deductible, with a higher deductible corresponding to a lower premium rate.

Increasing your deductible can be a savvy way to lower your homeowners insurance costs, although you should make sure you can afford to pay for a higher deductible in the event of a natural disaster or other covered loss.

Here’s how Kansas homeowners insurance policies are priced based on deductible for policies with $300,000 in dwelling coverage:

Deductible Amount
Average Annual Premium
$500$3,497
$1,000$3,437
Learn More: How Much to Make Your Homeowners Insurance Deductible

Learn More: How Much to Make Your Homeowners Insurance Deductible

How to get cheap homeowners insurance in Kansas

A number of factors determine how much you’ll pay for homeowners insurance. While some factors are outside of your control, you can use several strategies to ensure you have the best coverage at the most affordable rates:[4]

  • Compare quotes. In addition to different coverage offerings, insurance companies also use different factors to set your premium amounts. Shopping around among multiple insurers can help you find the right homeowners insurance at the lowest rate.

  • Bundle other insurance policies with your home insurance. Buying multiple insurance products from the same insurer — such as auto insurance, home insurance, and life insurance — will often score you a discount on all your policies.

  • Increase your deductible. An easy way to lower your premium rates is by opting for a higher deductible. This may lower your insurance costs, but remember that you’ll have to meet the higher deductible if you have to make a claim for property damage or lost or damaged personal belongings.

  • Ask about discounts. You may qualify for a number of common insurance discounts, including those for new homes, green construction materials, paying in full, setting up automatic payments, seniors, loyal customers, claims-free customers, military members, and securing your home against disasters and theft.

How much homeowners insurance do you need in Kansas?

Kansas doesn’t have a legal requirement for homeowners to carry a home insurance policy. This makes it different from auto insurance, which the state requires for anyone who gets behind the wheel. But even though Kansas doesn’t mandate home insurance products for property owners, lenders will require it as a condition of the loan for any homeowner with a mortgage.

As for how much coverage you need, it’s helpful to start by determining exactly what your home insurance policy covers since not all perils are considered a covered loss.

For example, one major gap in standard homeowners insurance is flood protection, which insurers almost never include in a typical home insurance policy. If you live in a high-risk flood zone, you’ll need to purchase a separate flood insurance policy either from the National Flood Insurance Program or from one of many private companies that offer flood damage protection.

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What are some of the biggest risks when owning a home in Kansas?

Homes in different states face different climate- and location-related risks. But even within the Sunflower State, your ZIP code can experience very different perils compared to other Kansas locations. Local weather patterns, climate, theft and property crime statistics, and proximity to fire stations can all affect your particular risks.

The most common risks to homes in Kansas include:

  • illustration card https://a.storyblok.com/f/162273/150x150/d2251ba1fd/weather-96x96-blue_018-tornado.svg

    Tornadoes

    You may associate tornadoes with Kansas, but only two Kansas counties — Johnson and Sedgwick — have a very high risk of twisters, according to the Federal Emergency Management Agency (FEMA) National Risk Index. Another five counties — Douglas, Reno, Saline, Shawnee, and Wyandotte — have a moderately high risk of tornadoes. Standard homeowners insurance policies typically cover tornado damage, so you don’t need additional coverage to protect yourself.

  • illustration card https://a.storyblok.com/f/162273/150x150/a72798aa06/weather-96x96-green_016-snow.svg

    Severe winter weather

    Ice storms, cold waves, and snowfall are common in Kansas during the winter months, and they can potentially damage unprepared homes. While a standard homeowners policy typically covers the kind of damage that winter can wreak on a house — such as burst pipes or falling tree branches — it’s always a good idea to double-check that your insurance covers the most common severe weather in your area.

  • illustration card https://a.storyblok.com/f/162273/x/1883c5aa7c/fire-and-lighting.svg

    Wildfires

    Kansas sees a reported 5,000 wildfires annually, and experts believe that another 1,500 fires go unreported each year. These wildfires pose a serious threat to homes in the Sunflower State, which is why Kansans should follow FEMA guidelines for protecting their homes from these fires while also ensuring that they have enough insurance coverage. While a standard home insurance policy does protect against fire, Kansas residents may want to beef up their coverage level as a precaution.

Kansas homeowners insurance FAQs

If you’re shopping for home insurance in the Sunflower State, this additional information should help as you research your coverage options.

  • How much is home insurance in Kansas?

    Home insurance in Kansas costs an average of $3,437 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. But your rates will vary depending on factors such as your ZIP code, age of your home, square footage of your home, and the coverage levels you choose.

  • Which company has the cheapest homeowners insurance in Kansas?

    Armed Forces Insurance Exchange has the cheapest homeowners insurance in Kansas, with average annual premiums of $1,192.

    Other affordable insurers in the state include Auto-Owners and Allstate, with respective annual premiums of $2,200 and $2,370.

  • Does Kansas require homeowners insurance?

    No. Kansas doesn’t require homeowners insurance, but your lender will require it if you have a mortgage on your home. Even if you’ve paid off your home, you should still insure it so that you’re protected financially if something damages your home and you have to make costly repairs.

  • Does Progressive offer homeowners insurance in Kansas?

    Yes. Progressive offers homeowners insurance in Kansas. You can also get a discount if you bundle your Progressive home insurance policy with an auto insurance policy.

Sources

  1. Federal Emergency Management Agency. "National Risk Index."
  2. Kansas Department of Agriculture. "Kansas Wildfire Task Force Report."
  3. Military State Policy Source. "Kansas."
  4. Insurance Information Institute. "How to save money on your homeowners insurance."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Andrew Huang
Data reviewed byAndrew HuangVP, Marketing & Analytics
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVP, Marketing & Analytics
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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