Best Homeowners Insurance in Kansas


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Key Takeaways

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Based on our 2025 research, the top three home insurance providers in KS are American Family, State Farm and Nationwide.

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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.

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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.

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Who Are the Best Home Insurance Companies in Kansas?

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.

American Family93212
State Farm93123
Nationwide86441
Farmers80535
Allstate80353

*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 Family93Overall
American Family93Older Homes
American Family91Newer Homes
American Family93High-Fire-Risk Areas
American Family93Bad Credit
American Family93With 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 CityAmerican Family93
OlatheAmerican Family93
Overland ParkAmerican Family93
TopekaAmerican Family93
WichitaAmerican Family93

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.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
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.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
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.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
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. 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. 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. 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. 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. 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?

Who has the most affordable homeowners insurance in Kansas?

How do you get the best homeowners insurance in Kansas?

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 headshot

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.


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