Kansas's best home insurance companies are American Family, State Farm, Nationwide, Farmers and Allstate. American Family excels in customer service, State Farm is the most affordable and Nationwide offers the best coverage options. Compare all our top picks below.
Best Homeowners Insurance in Kansas
American Family is the best home insurance provider in Kansas, earning a MoneyGeek score of 93 out of 100 and excelling in all five key homeowner insurance categories.

Updated: June 21, 2025
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Key Takeaways
Based on our 2025 research, the top three home insurance providers in KS are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most Kansas homeowners. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Who Are the Best Home Insurance Companies in Kansas?
American Family | 93 | 2 | 1 | 2 |
State Farm | 93 | 1 | 2 | 3 |
Nationwide | 86 | 4 | 4 | 1 |
Farmers | 80 | 5 | 3 | 5 |
Allstate | 80 | 3 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
American Family | 93 | Overall |
American Family | 93 | Older Homes |
American Family | 91 | Newer Homes |
American Family | 93 | High-Fire-Risk Areas |
American Family | 93 | Bad Credit |
American Family | 93 | With Claims History |
Best Kansas Home Insurance by City
Home insurance provider rankings in Kansas cities can vary greatly based on affordability, customer service, and coverage options. For instance, American Family ranks best in Kansas City, Olathe, Overland Park, Topeka, and Wichita with a MoneyGeek Score of 93. Below, we've highlighted the top overall providers by city to help you choose the right option locally.
Kansas City | American Family | 93 |
Olathe | American Family | 93 |
Overland Park | American Family | 93 |
Topeka | American Family | 93 |
Wichita | American Family | 93 |
Best Kansas Home Insurance Reviews
Explore our top home insurance providers in Kansas, where we spotlight leaders in affordability, customer service, and coverage options to help you make the best choice.
State Farm: Best for Affordability
State Farm stands out as the top budget-friendly choice for Kansas homeowners seeking comprehensive coverage. The company delivers solid customer service that exceeds industry standards, earning seventh place in customer satisfaction based on J.D. Power's recent study. Beyond competitive pricing, State Farm distinguishes itself with specialized coverage options, including underground utility protection and extended replacement cost coverage that accounts for rising construction and repair expenses.
Newer Homes | $142 | $1,710 |
Newer Homes in High-Fire-Risk Areas | $142 | $1,710 |
Older Homes in High-Fire-Risk Areas | $237 | $2,845 |
Older Homes | $237 | $2,845 |
American Family: Best for Customer Service
American Family is the second-most affordable provider in Kansas for homeowners insurance overall and ranks first for customer service in the state. According to J.D. Power, it ranks right around the national average for both customer and claims satisfaction. Customers can also enjoy service line coverage, matching siding protection and hidden water damage coverage to provide broader protection for hard-to-spot and aesthetic-related home risks.
Newer Homes in High-Fire-Risk Areas | $214 | $2,568 |
Newer Homes | $214 | $2,568 |
Older Homes in High-Fire-Risk Areas | $276 | $3,318 |
Older Homes | $276 | $3,318 |
Nationwide: Best for Coverage
For first-time Kansas homeowners, Nationwide emerges as the most cost-effective insurance solution. The company provides comprehensive protection enhanced by superior roof replacement coverage and the ability to double standard dwelling coverage limits. Nationwide maintains excellent customer relations, securing eighth place in overall customer satisfaction and fifth in claims satisfaction according to J.D. Power ratings.
Newer Homes | $93 | $1,115 |
Newer Homes in High-Fire-Risk Areas | $114 | $1,371 |
Older Homes | $489 | $5,862 |
Older Homes in High-Fire-Risk Areas | $600 | $7,206 |
How to Find the Best Home Insurance in Kansas
We've developed a step-by-step guide to help you find the coverage that best suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider the value of your dwelling, personal belongings and any specific local risks like flooding or wildfire potential that might affect your coverage choice.
- 2
Research costs and discounts
Investigate average insurance rates specific to your area to understand potential expenses. Make sure to find out how much home insurance costs in Kansas to evaluate the savings effectively. Look for available discounts such as bundling policies or installing safety devices to reduce premiums.
- 3
Find the best providers for you
Investigate various insurance providers by assessing customer service quality, pricing and available endorsements. Focus on identifying Kansas's best and cheapest home insurance to suit your coverage needs.
- 4
Compare multiple providers through all means
Obtain quotes using multiple methods, including online platforms, phone calls, and speaking directly with agents, to ensure a wide range of estimates.
- 5
Make an informed decision
After comparing quotes and evaluating provider reputations, select a policy that matches your coverage needs and budget.
Best Homeowners Insurance in Kansas: Bottom Line
Kansas's best homeowners insurance companies are American Family, State Farm and Nationwide. While these are strong recommendations, comparing providers will help you find the best fit for your specific needs.
Best Home Insurance in Kansas: FAQ
Explore our FAQ section to find answers to common questions about choosing home insurance in Kansas.
Which company is best for home insurance in Kansas?
American Family is the best homeowners insurance provider in Kansas, offering a balance of affordability, excellent customer service and extensive coverage add-on options. State Farm, Nationwide, Farmers and Allstate are also top-rated options in Kansas.
Who has the most affordable homeowners insurance in Kansas?
The cheapest homeowners insurance in Kansas varies by individual circumstances and property details. However, the average cost in Kansas is $1,548 annually.
How do you get the best homeowners insurance in Kansas?
To find the best home insurance in Kansas, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Kansas: Our Methodology
We rated the best homeowners insurance providers in Kansas using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.