Average Cost of Homeowners Insurance in Kansas (2024)

The average cost of homeowners insurance in Kansas in 2024 is $3,467. The state's average is $1,044 higher than the national average of $2,423.

Aside from coverage amount, credit rating has the largest impact on premiums. In Kansas, premiums vary by up to $13,035 based on credit rating. If your rates have recently increased, we've analyzed the cheapest plans in the state that may offer more affordable options.

In Kansas, the average annual premium for homeowners insurance is $3,467 for a standard policy offering $250K in dwelling coverage, $125K in personal property and $200K liability coverage. This figure exceeds the national average home insurance rate of $2,423.

When considering how much coverage you need, it's essential to match the policy to the value of your property. For a policy with $100K dwelling coverage, the annual cost is $1,960, while a more extensive policy with $500K dwelling coverage increases the premium to $5,885.

Premiums for homeowners insurance in Kansas can vary significantly by provider, even for similar levels of coverage. For instance, Auto-Owners Insurance may offer a cheaper policy than Nationwide for a similar level of home protection.

Differences in underwriting can lead to differing premium quotes, that's why when searching for the best homeowners insurance provider in Kansas, it's worth comparing them.

Homeowners in Kansas with poor credit ratings pay an average annual homeowners insurance premium of $15,740, a staggering $12,273 more than the state average of $3,467. his exemplifies the substantial impact of credit scores on insurance rates, as those with excellent credit pay only $2,705 annually, which is $762 less than the average.

While you may not be able to improve your credit score immediately, you can enhance it over time to lower your rates. In the meantime, compare insurers to see which will save you the most, potentially finding a more affordable option in less than 15 minutes.

The type of roof on your home can influence your homeowners insurance premium. In Kansas, homes with tile roofs, known for their durability, often see lower insurance costs. Conversely, homes with shake-treated roofs might experience higher premiums due to the increased risk of damage from severe weather.

Construction materials also impact insurance rates. Superior construction materials, such as non-combustible products, typically result in lower premiums. On the other hand, standard frame construction, which is less resistant to perils like fire, may lead to higher insurance costs.

Use the drop-downs in the table below to see how premiums change based on your home's materials.

Insuring newly constructed homes in Kansas averages $1,712 annually, $1,755 less than the average for existing homes. Modern homes, with modern construction materials and more compliant with today's building standards, have cheaper premium rates. The table below illustrates the premium differences for varying coverage levels.

In Kansas, homeowners with a clean claims record for over five years can expect an average annual premium of $3,467. However, if a homeowner has filed one claim in the past five years, the average premium rises to $4,082. For those with two claims within the same timeframe, the average annual premium jumps to $4,520.

For the cities we analyzed, we found premiums ranging from $2,967 to $4,168. In Olathe, the average annual premium is $2,967, while Wichita's average is higher at $4,168. Location impacts premiums due to varying risks like weather and crime. City-based premiums are just one factor; credit rating and coverage amount also significantly impact rates.

Getting a good deal on homeowners insurance in Kansas is within reach if you know what to do. Here's how to find the best deal for you.

In Kansas, homeowners can often save on insurance costs by bundling their home and auto policies. On average, Kansas residents may see their premiums decrease by 16% when they opt for a multipolicy bundle. This translates to around $375 to $1,299 of annual savings. The best Kansas home and auto bundles are worth considering to take advantage of these multipolicy discounts.

Kansas homeowners can tap into several insurance discounts to lower their premiums. Here are three noteworthy discounts to consider:

• Impact-resistant roof discount: Upgrading to an impact-resistant roof can lead to savings.
• Home safety features discount: Installing security systems and smoke detectors can reduce premiums.
• Loyalty discount: Long-term policyholders may be eligible for reduced rates.

Remember, to maximize your discounts, it's important to inquire during the quote process.

For those navigating the homeowners insurance landscape in Kansas, a variety of resources are available to assist with understanding regulations, finding affordable coverage, and estimating insurance costs. Below is a curated selection of tools and information to help Kansas homeowners make informed decisions about their insurance needs.

• Kansas Insurance Department: Official state resource for insurance regulations.
• Affordable Home Insurance in Kansas: Find cost-effective options for your home.
• Kansas Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in Kansas: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.