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The 5 Best Homeowners Insurance Companies in Kansas

While cheap home insurance in Kansas may seem like the best choice, you have to consider other factors. You have to make sure that the policy you are getting addresses risks associated to you and your property. Before making a decision, compare quotes from different carriers, check their coverage options, find out if they can pay claims and see if they have good customer service. Doing these will help you find the best homeowners insurance.

MoneyGeek used relevant factors like affordability, J.D. Power customer satisfaction scores and AM Best’s financial stability ratings to rank the top five home insurance companies in Kansas.


1

USAAScore: 100

5/5

Affordability

5/5

User Satisfaction

5/5

Financial Stability


Active and retired military members and their families can benefit from cheap home insurance in Kansas with the help of USAA. Aside from offering affordable prices, USAA allows policyholders to bundle coverage options to help them save money. Additionally, you can conduct most transactions through the company’s mobile app.

2

State FarmScore: 93

4.9/5

Affordability

4.1/5

User Satisfaction

5/5

Financial Stability


State Farm may be your best option if you are looking for cheap home insurance in Kansas. You can start with a standard plan and build a comprehensive policy by adding relevant coverages, such as expanded replacement cost, inflation protection, water backup, scheduled personal property, equipment breakdown, energy efficiency upgrade, identity theft and loss of use. You can access most services using the company’s technological features, including a rate calculator, mobile app, online bills payment, online claims application and a household inventory tool.

Read MoneyGeek's State Farm Home Insurance Review

3

TravelersScore: 93

5/5

Affordability

3.9/5

User Satisfaction

5/5

Financial Stability


Aside from standard coverage, Travelers allows you to create a comprehensive policy by adding optional coverages like replacement cost, contents, Valuable Items Plus, personal articles floater, water back-up and identity fraud. Homeowners with certified green homes can get additional coverage for repairing, rebuilding or replacing green materials. Bills payment and claims application are easy with the help of online tools. Additionally, you can complete most transactions through the company’s mobile app. Other technological features include a rate calculator.

Read MoneyGeek's Travelers Home Insurance Review

4

AllstateScore: 92

4.9/5

Affordability

4.2/5

User Satisfaction

4.5/5

Financial Stability


If you are concerned about convenience and accessibility, then consider getting an Allstate policy. The company has features for tech-savvy individuals, such as a rate calculator, household inventory tool and mobile app. If you have to pay bills or apply for claims, you can do it online. One of the unique inclusion that Allstate policyholders can get is the Rate Guard feature. With this, you can avoid rate increase caused by claims. The carrier also offers discounts and a rewards program.

Read MoneyGeek's Allstate Home Insurance Review

5

FarmersScore: 92

4.8/5

Affordability

4.6/5

User Satisfaction

4/5

Financial Stability


If you want to have the freedom to customize your plan, then Farmers may be right for you. Aside from the standard policy, you can include optional coverage like increasing your personal property limits and adjusting replacement payments. Convenience is not a problem because Farmers has an online rate calculator, online bills payment, online claim application, mobile app and household inventory tool.

Read MoneyGeek's Farmers Home Insurance Review

What Is the Average Cost of Homeowners Insurance in Kansas?

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home insurance is 0.0% more than the average.

The average annual premium for Kansas homes with a dwelling coverage baseline amount of $100,000 is $2,878. That rate is $775 or 36.8% higher than the average annual premium in the United States, which is $2,103. Insurers estimate homeowners insurance in Kansas by evaluating associated risks to an individual and other area-related factors, such as crime rates, property values, and weather conditions.

Home Insurance Calculator: Estimate the Cost of Homeowners Insurance in Kansas

Other factors that have an impact on the cost of your homeowners insurance are dwelling value, roof quality, location, personal property, proximity to a fire department, whether you own a pool, whether you have an aggressive dog breed, your credit score, frequency of claims, and deductible chosen, among others.

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Home Insurance Calculator

State

Kansas

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$150,000

Credit Score

Excellent
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low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

The Cheapest Homeowners Insurance Quotes in Kansas

While the state annual premium average is slightly higher than the national average, it is still possible for Kansas homeowners to find affordable home insurance in the state. For example, those qualified to get USAA policies pay an average of $1,803 per year. If you are not eligible for any USAA policy, your cheapest option is Travelers. Travelers average annual premium for dwelling coverage baseline is $1,866, which is $1,013 or 35.2% lower than the state average.

Dwelling coverage is necessary to cover expenses in case your home requires physical repairs after suffering from damages caused by covered hazards like fire, explosions, falling objects and vandalism, among others. The dwelling coverage baseline in Kansas is $100,000. To get an accurate policy, compare homeowners insurance quotes from different carriers.

Cheapest Homeowners Insurance by Dwelling Coverage

Dwelling Coverage:

$100,000
Company
Amountper year
1. USAA
In 2020, USAA ranked #1 for the cheapest homeowners insurance with $100,000 in dwelling coverage in Kansas.
$1,803
2. Travelers
In 2020, Travelers ranked #2 for the cheapest homeowners insurance with $100,000 in dwelling coverage in Kansas.
$1,866
3. State Farm
In 2020, State Farm ranked #3 for the cheapest homeowners insurance with $100,000 in dwelling coverage in Kansas.
$2,004
4. Allied
In 2020, Allied ranked #4 for the cheapest homeowners insurance with $100,000 in dwelling coverage in Kansas.
$2,061
5. Allstate
In 2020, Allstate ranked #5 for the cheapest homeowners insurance with $100,000 in dwelling coverage in Kansas.
$2,088

Best Cheap Homeowners Insurance Companies for Expensive Homes

High-end residential homes have different requirements that may not be available in a standard policy. So, getting cheap home insurance in Kansas may not be best for your expensive home. Based on MoneyGeek’s study, the most affordable option for $2 million homes in Kansas is Farmers. The average annual premium for a Farmers policy is $11,774. Depending on the insurance provider, the rate may be so much more. For instance, a similar Auto-Owners Insurance Co policy may cost an average of $160,610 per year.

Cheapest Homeowners Insurance Companies for High-Value Homes
Company
Amountper year
1. Farmers
In 2020, Farmers ranked #1 in Kansas for the cheapest homeowners insurance for high-value homes.
$11,774
2. Allstate
In 2020, Allstate ranked #2 in Kansas for the cheapest homeowners insurance for high-value homes.
$12,468
3. USAA
In 2020, USAA ranked #3 in Kansas for the cheapest homeowners insurance for high-value homes.
$13,892
4. Travelers
In 2020, Travelers ranked #4 in Kansas for the cheapest homeowners insurance for high-value homes.
$20,153
5. American Family
In 2020, American Family ranked #5 in Kansas for the cheapest homeowners insurance for high-value homes.
$21,494

Best Homeowners Insurance Companies if You Have a Pool

Having a pool in your home will affect the cost of your home insurance in Kansas. The cheapest option is USAA, with an average annual premium of $3,204. However, if you are not a military member, a veteran, or the spouse or child of a member of the military, you will not qualify for a policy from USAA. If that is the case, your cheapest option will be Travelers. The average annual premium for a pool home with a dwelling coverage baseline of $100,000 is $3,256. Typically, homeowners with pools also include liability coverage. Having this will help protect you in case someone gets injured due to a pool accident.

Cheapest Homeowners Insurance for Pool Home
Company
Amountper year
1. USAA
In 2020, USAA ranked #1 in Kansas for the cheapest homeowners insurance for homes with a pool.
$3,204
2. Travelers
In 2020, Travelers ranked #2 in Kansas for the cheapest homeowners insurance for homes with a pool.
$3,256
3. Farmers
In 2020, Farmers ranked #3 in Kansas for the cheapest homeowners insurance for homes with a pool.
$3,345
4. State Farm
In 2020, State Farm ranked #4 in Kansas for the cheapest homeowners insurance for homes with a pool.
$3,710
5. Allstate
In 2020, Allstate ranked #5 in Kansas for the cheapest homeowners insurance for homes with a pool.
$3,908

Cheapest Home Insurance in Kansas if You Have Poor Credit

Insurance providers may also consider credit scores to determine the cost of homeowners insurance in Kansas. Generally, having poor credit may cause annual premium hikes. You may need to improve your credit score to get lower rates. You can start by paying off all your credit card debts and ensuring that your utilization rate remains below 30%.

Some insurers offer policies that are specifically for homeowners with poor credit scores. The cheapest option is probably Travelers. Travelers’ policy may cost an average of $2,539 per year for a dwelling coverage baseline amounting to $100,000.

Cheapest Homeowners Insurance for Poor Credit
Company
Amountper year
1. Travelers
In 2020, Travelers ranked #1 for the cheapest homeowners insurance for owners with poor credit in Kansas.
$2,539
2. USAA
In 2020, USAA ranked #2 for the cheapest homeowners insurance for owners with poor credit in Kansas.
$2,563
3. AAA
In 2020, AAA ranked #3 for the cheapest homeowners insurance for owners with poor credit in Kansas.
$3,002
4. Allied
In 2020, Allied ranked #4 for the cheapest homeowners insurance for owners with poor credit in Kansas.
$3,106
5. Allstate
In 2020, Allstate ranked #5 for the cheapest homeowners insurance for owners with poor credit in Kansas.
$3,424

How to Get Homeowners Insurance Quotes in Kansas

When getting home insurance in Kansas, homeowners need to share some basic personal information with insurers. Such information may include your name, address, contact information and social security number. Other considerations that carriers may look into are the current value of your home and the belongings inside it, its age, type and materials, the current condition of the house and the estimated cost for rebuilding. Inform the insurer if you have additional systems like a home security solution or solar energy panels. All of these play a role in determining your annual premium. Make sure you discuss these with the insurance provider to help you find the best homeowners insurance in Kansas suitable for your specific needs.

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Other Considerations for Homeowners Insurance in Kansas

All associated risks can affect the cost of your homeowners insurance in Kansas. Familiarize yourself with the hazardous weather conditions that often strike the area. Then, check if you can include coverage for these types of natural disasters. Including them in your plan can prepare you for emergencies.

State crime rates also have an impact on annual premiums. A report from the FBI showed that Kansas recorded 12,782 violent crimes and 76,686 property crimes, These numbers put Kansas in the top 16th spot in terms of crime.

Meanwhile, Kansas ranks 44th when it comes to home value. With an average home value of $150,657. Kansas is among the cheapest states for homeowners.


Do You Need Flood Factor Insurance in Kansas?This is an icon

While Kansas ranks 37th in the states most at-risk of flooding, around 133,400 properties remain vulnerable to floods in 2020. That is 8.1% of the total properties in the state. To get flood damage coverage, you have to check if your community is participating in the National Flood Insurance Program (NFIP) of the government. You can also find out if you live in an at-risk area through the Flood Insurance Rate Maps (FIRM) of the Federal Emergency Management Agency (FEMA).

Do You Need Hail Insurance in Kansas?This is an icon

Kansas homeowners may want to consider including hail damage coverage to their home insurance policies. The state has the second most number of hail. Kansas experiences 720 hail events per year.

Methodology

MoneyGeek analyzed homeowners insurance premiums from 16 of the top insurance companies in Kansas that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Kansas. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $100,000, liability coverage of $100,000 and personal property coverage of $100,000.

Sources