The Best Homeowners Insurance Companies in Kansas (2022)
The best home insurance companies in Kansas offer a balance of affordability and quality service with high financial stability ratings. MoneyGeek scored providers to help you find the best home insurance in Kansas. We determined that State Farm is the best insurer overall. However, the best option for you may vary depending on your specific needs.
State Farm is the best home insurance company for most Kansas homeowners, including individuals on a budget, people with expensive homes and those looking for a balance of cost and quality coverage. However, if you are looking for the best service quality regardless of cost, Auto-Owners Insurance is the best option. MoneyGeek’s analysis also reviewed coverage options and discounts to help you find the best fit for your needs.
MoneyGeek also analyzed the cheapest homeowners insurance providers in Kansas for those more concerned with saving on their monthly bill.
The Best Homeowners Insurance in Kansas
The Best Overall Homeowners Insurance Companies in Kansas
MoneyGeek ranked the best home insurance companies in Kansas based on customer satisfaction, claims ratings, affordability and financial stability.
The best overall companies for home insurance in Kansas are:
- State Farm: MoneyGeek score of 88 out of 100
- Allstate: MoneyGeek score of 86 out of 100
USAA, with a MoneyGeek score of 100 out of 100, is the best insurer overall in Kansas. However, its policies only apply to individuals with military backgrounds.
MoneyGeek highlighted why State Farm and Allstate rank highest in Kansas for home insurance, including their unique coverage offerings.
The Top Home Insurance Companies in Kansas
State Farm ranks second in customer satisfaction and first in financial stability among insurers in Kansas. This provider also ranks third in affordability and offers unique coverage options, including home rental coverage.
If you rent out your home in part or fully, State Farm has optional home rental coverage that offers property and liability coverage. You can also receive home systems protection coverage for reimbursement following damage to permanently installed equipment like air and water filtration systems.
Allstate ranks third in customer satisfaction and second in financial stability in Kansas. This provider also offers unique coverage options, including energy efficiency upgrade coverage.
If you replace damaged items with more energy-efficient alternatives, Allstate’s energy efficiency upgrade coverage will reimburse any additional costs incurred. You can also opt for mold coverage to cover your home in case of damage caused by mold or fungus. Policyholders can also add yard and garden coverage to their policy to cover costs like landscaping.
MoneyGeek collected home insurance quotes and balanced them against property claims ratings and customer satisfaction scores from J.D. Power. We used these scores to rank the best home insurance nationally and in Kansas.
Costs and customer experience can vary depending on individual circumstances. Our methodology section contains more information on how we analyzed the data.
The Best Homeowners Companies in Kansas for Service Quality
If cost is not a factor for you, we ranked the best home insurance companies in Kansas based on customer satisfaction and claims experience to help you find the best quality of service.
The best homeowners insurers for quality service in Kansas are:
- Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100
- American Family: MoneyGeek score of 83 out of 100
If you have a military background and qualify, USAA is the best home insurance provider for quality service in Kansas, receiving a MoneyGeek score of 100 out of 100.
MoneyGeek explained why Auto-Owners Insurance and American Family are the best options in Kansas if you are looking for quality service regardless of cost.
The Top Home Insurance Companies in Kansas for Quality Service
American Family ranks third in Kansas for customer satisfaction and claims ratings. This company offers policyholders a great customer experience and unique coverage options, including hidden water damage coverage.
This insurer offers optional coverage to protect you in case hidden leaks cause damage to your property. You can also add equipment damage coverage to your policy to cover your home systems, appliances and smart home devices. American Family also offers matching coverage, which reimburses policyholders who replace damaged siding and need to replace the remaining siding to match.
Auto-Owners Insurance ranks second for claims and third for customer satisfaction in Kansas. This provider maintains a strong reputation for handling claims and provides customers with a great customer service experience.
Apart from quality service, Auto-Owners has unique coverage options, including equipment breakdown coverage to cover the cost of damage to equipment in your home, such as air conditioners and major appliances. You can also opt for service line coverage to protect you if underground piping and service lines become damaged.
The Best Homeowners Companies in Kansas on a Budget
If you are looking for affordable home insurance in Kansas, MoneyGeek scored providers offering the best rates.
On average, the cheapest home insurance companies in Kansas are:
- State Farm: MoneyGeek score of 93 out of 100
- Allstate: MoneyGeek score of 91 out of 100
State Farm’s homeowners policy costs an average of $2,004 per year, while Allstate costs $2,088 per year, on average.
USAA, which received a MoneyGeek score of 100, costs $1,803 per year, making it the most affordable option in Kansas. However, only individuals with a military background qualify.
MoneyGeek broke down why State Farm ranked highest for homeowners on a budget and the unique coverage and discounts it offers.
The Top Home Insurance Companies in Kansas on a Budget
Affordable home insurance coverage at $2,004 per year
Variety of discounts including new home, claims-free and protective device discounts
MoneyGeek customer satisfaction ratings of 4 out of 5
No contents replacement cost coverage
State Farm ranks third for affordability in Kansas and offers policyholders most of the common homeowner discounts. These include discounts for being claims-free for a specified period, as well as a new home discount for newer homes. You can also receive a discount for renovations, along with bundling home and auto insurance policies.
State Farm also offers unique discounts not commonly offered by other insurers, such as roofing material discounts for qualifying impact-resistant roofing materials. You can also get a discount based on the length of time your policy has been active.
The Best Homeowners Companies in Kansas for Expensive Homes
MoneyGeek weighed the cost of insuring a home that would cost $2 million to replace with customer satisfaction to help you find the best home insurance in Kansas for expensive homes.
The best insurance companies for expensive homes in Kansas are:
- State Farm: MoneyGeek score of 85 out of 100
- Allstate: MoneyGeek score of 83 out of 100
USAA is not included in this analysis, but it received a MoneyGeek score of 100 out of 100, making it the best option for veterans or active-duty military members with expensive homes.
MoneyGeek broke down why State Farm ranked highest for homeowners with expensive homes.
The Top Home Insurance Companies in Kansas for High-Value Homes
Ranks in the top half for affordability in Kansas for expensive homes
MoneyGeek satisfaction rating of 4 out of 5
No extended reimbursement coverage.
State Farm ranks second for customer satisfaction among Kansas insurers and has a MoneyGeek score of 4.8 out of 5 for affordability. This insurer also offers a wide range of coverage to suit homeowners with different needs, including those with expensive homes.
State Farm offers optional identity theft coverage to protect you if you become a victim of identity fraud. This provider also offers scheduled personal property coverage to reimburse policyholders for valuables such as jewelry, silverware, furs and other valuable items.
The Best Homeowners Companies in Kansas for Veterans
If you have a military background, MoneyGeek ranked the best home insurance companies in Kansas for homeowners who are active or retired members of the military.
USAA costs an average of $1,803 per year and has a MoneyGeek score of 100 out of 100 in Kansas, making it the best option for homeowners with a military background. This company tailors its policies to suit the needs of military families.
The Top Home Insurance Companies in Kansas for Veterans
MoneyGeek satisfaction rating of 5 out of 5
MoneyGeek affordability score of 5 out of 5
Tailored to fit the needs of military families
Only homeowners with a military background qualify
USAA is consistently ranked high for customer satisfaction, claims ratings and affordability and ranks first among insurers in Kansas for these categories. It also offers unique coverage tailored to suit veterans and active-duty military members.
USAA's home insurance policies include content replacement cost coverage, which ensures that personal belongings are reimbursed without factoring in depreciation. This insurer also offers optional home rental coverage for homeowners who rent out their homes in full or in part.
The Best Homeowners Companies in Kansas for Bundling
If you are looking for the best car insurance in Kansas and home insurance policies, MoneyGeek analyzed the best bundle insurance companies in Kansas.
The top-rated companies for bundling home and auto insurance in Kansas are:
- State Farm: MoneyGeek score of 85 out of 100
- Farmers: MoneyGeek score of 76 out of 100
Bundling can help you save on costs when you buy more than one policy. It may also be less time-consuming to deal with one provider for multiple policies.
The Top Home Insurance Companies in Kansas for Bundling
Home insurance Moneygeek score of 4.4 out of 5
31% discount and a MoneyGeek discount score of 5 out of 5
Auto insurance MoneyGeek score of 3.7 out of 5
State Farm offers a bundling discount of up to 31%, allowing homeowners in Kansas to save significantly by bundling their auto and home insurance policies. This provider also offers unique coverage for different types of homeowners.
This insurer offers optional home systems protection coverage, which ensures that you will be reimbursed if your permanently installed equipment becomes accidentally damaged. You can also opt for energy efficiency upgrade coverage to cover any additional costs when replacing damaged materials with more energy-efficient alternatives.
State Farm also provides drivers with specialized auto insurance coverages, such as optional rideshare insurance for drivers who use rideshare apps.
How to Find the Best Home Insurance in Kansas
When looking for the best home insurance in Kansas, it is important to consider each company's quality of service, financial stability and affordability. MoneyGeek has compiled this data, but you should also perform your own research to find your ideal policy.
Research Customer Service Reputations in Kansas
Moneygeek collected customer satisfaction data on insurers in Kansas, but you can also look up information with J.D. Power satisfaction scores and NAIC complaint ratios. Interested customers can also explore insurers’ information on the Kansas Department of Insurance website.
Compare Quotes for Yourself
MoneyGeek uses quotes based on sample homeowners to determine average rates. You can get a more accurate indication of costs for your particular profile by comparing quotes from three or more insurers.
Make Sure the Company Has Coverages You Want in Kansas
Insurers may have different coverage options and features for different states, so it is always important to confirm that the coverage you need is available in your area before making a decision.
Double-Check Financial Stability Ratings
Always research insurers' financial stability ratings. Large insurance companies tend to be financially stronger compared to regional companies.
FAQs About the Best Home Insurance in Kansas
The best home insurance in Kansas depends on the coverage options and features you need. MoneyGeek has covered commonly asked questions about home insurance in Kansas.
MoneyGeek scores for homeowners insurance in Kansas were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from 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.
About the Author