Kansas's best home insurance companies are American Family, State Farm, Nationwide, Farmers and Allstate. American Family excels in customer service, State Farm offers the lowest rates and Nationwide provides the most coverage options.
Best Homeowners Insurance in Kansas
Updated: November 12, 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.
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 vary based on affordability, customer service and coverage options. American Family ranks best in Kansas City, Olathe, Overland Park, Topeka and Wichita with a MoneyGeek score of 93.
| 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
Our top home insurance providers in Kansas lead in affordability, customer service or coverage options.
State Farm: Best for Affordability
State Farm offers the most affordable rates for Kansas homeowners seeking comprehensive coverage. The company delivers customer service ranking seventh in customer satisfaction in J.D. Power's recent study.
State Farm provides specialized coverage options, including underground utility coverage and extended replacement cost coverage.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
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 ranks second for affordability and first for customer service among Kansas homeowners insurance providers. J.D. Power rates American Family around the national average for customer and claims satisfaction.
Customers also get service line coverage, matching siding coverage and hidden water damage coverage.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
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
Nationwide offers the most cost-effective insurance for first-time Kansas homeowners. Nationwide provides comprehensive coverage with superior roof replacement benefits and the ability to double standard dwelling coverage limits.
Nationwide ranks eighth in overall customer satisfaction and fifth in claims satisfaction per J.D. Power.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
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
Follow these steps to find home insurance that fits your needs and budget.
- 1Determine your coverage needs
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.
- 2Research costs and discounts
Find out how much home insurance costs in Kansas. Look for available discounts such as bundling policies or installing safety devices to reduce premiums.
- 3Find the best providers for you
Compare multiple insurance providers by assessing customer service quality, pricing and available endorsements. Focus on identifying Kansas' best and cheapest home insurance.
- 4Compare multiple providers through all means
Obtain quotes using online platforms, phone calls and speaking directly with agents.
- 5Make an informed decision
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. Comparing multiple providers helps 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 evaluated the top homeowners insurance companies in Kansas using the following criteria:
- Affordability (55%): Companies scored higher if their rates were more competitive across different coverage levels. We also looked at the range of discounts available.
- Customer satisfaction (30%): Based on reviews from platforms like Trustpilot and app stores, as well as ratings from industry sources such as J.D. Power. This included the overall buying experience, policy management and claims service.
- Coverage (15%): We reviewed each company’s add-on options, unique policy features and availability across the 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.