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Home Insurance Calculator

State

Kansas

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$20,000

Credit Score

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

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MONEYGEEK EXPERT TIP

MoneyGeek compared quotes from numerous insurers if you're looking for inexpensive Kansas homeowners insurance. We found that Travelers is the cheapest option in the state.

If you want to balance cost and affordability, MoneyGeek also looked into the best homeowners insurance in Kansas. To assist you in choosing the insurer that most closely meets your needs, we compared estimates from numerous companies.

How to Estimate the Cost of Your Homeowners Insurance Policy in Kansas

Homeowners insurance costs in Kansas vary based on several criteria, including location, deductible, credit rating and other factors. You can get a customized estimate of the price of your homeowners insurance policy by entering your unique information into MoneyGeek’s Kansas home insurance calculator.

  • kansas icon

    Kansas

    Depending on where you live, your homeowners insurance costs will vary. If you live in a location with higher instances of natural disasters or theft, your insurance rates will be higher.

    Understanding the risks of your location in Kansas will help you better estimate your homeowners insurance costs.

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    Dwelling Coverage

    Your home's dwelling coverage reflects the cost of reconstructing it. The cost of homeowners insurance may vary based on the amount of dwelling coverage you include in your policy.

    The typical dwelling coverage amount in Kansas is $100,000.

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    Deductible

    Your deductible is the amount you must pay out of pocket before your homeowners insurance begins to pay if you file a claim.

    For instance, if your insurance has a $500 deductible and your claim is worth $10,000, your insurer will only pay $9,500. Additionally, your insurance rate will often increase when your deductible decreases.

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    Liability

    Liability insurance covers losses to third parties and their goods on your premises due to negligence. Legal fees, replacement costs, medical expenses, pain and suffering costs and death benefits are covered.

    MoneyGeek advises getting enough liability insurance to protect all of your valuables. The annual cost of liability insurance is merely a few dollars for coverage that covers thousands of dollars.

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    Personal Property

    Aside from your home, everything you possess is covered by personal property insurance, including your garments, gadgets, furniture and other personal belongings.

    It's necessary to have enough protection for your personal possessions. To determine how much personal property insurance you need, use the calculator below.

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    Credit Score

    When determining your home insurance premiums in Kansas, insurance companies consider your credit score. Since they are more than likely to file a claim, insurers view homeowners with lower credit scores as riskier. If you have poor credit, your homeowners insurance cost in Kansas will be higher.

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Insurance Rates

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Average Cost of Home Insurance in Kansas

The state where home insurance is most expensive is Kansas. The typical Kansas homeowner may expect to pay about $5,677 annually for $250K in dwelling coverage. This is a 135% increase over the national average.

The table below shows the typical cost for different levels of dwelling coverage in Kansas.

Average Annual Premium in Kansas for Homeowners Insurance
Dwelling Coverage Amount
Average Annual Premium

$100,000

$4,173

$250,000

$5,677

$500,000

$11,812

$750,000

$17,065

$1,000,000

$24,910

$2,000,000

$71,765

$3,000,000

$112,097

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MONEYGEEK EXPERT TIP

The cost of rebuilding your home should be covered by your homeowners insurance. It's essential to take into account how much dwelling coverage you need.

Height, floor area, construction materials and other elements can affect the replacement cost of your house. You can get assistance estimating prospective reconstruction expenses from an appraiser.

Remember that your coverage should equal the amount of money you would need to pay to completely rebuild your property in the event of a catastrophic loss. You can get added security by getting extended or guaranteed replacement coverage and inflation guard coverage.

Average Cost of Home Insurance in Kansas Cities

The cost of homeowners insurance in Kansas might differ depending on where you live. By browsing the MoneyGeek table below, which shows the premiums for numerous Kansas cities, you can see how significantly prices can vary from city to city.

Average Annual Premium in Kansas Cities for Homeowners Insurance
City
Average Annual Premium ($100K Dwelling Coverage)
Average Annual Premium ($250K Dwelling Coverage)

Akron

$2,192

$3,709

Albany

$847

$1,402

Albuquerque

$978

$1,634

Amarillo

$3,507

$6,460

Anaheim

$479

$1,082

Anchorage

$835

$1,279

Apple Valley

$585

$1,193

Arlington

$3,398

$5,027

Arlington

$1,787

$2,990

Athens

$2,362

$3,909

Atlanta

$1,694

$2,270

Aurora

$2,402

$3,393

Austin

$1,953

$2,926

Bakersfield

$492

$1,067

Baltimore

$955

$1,785

Baton Rouge

$1,552

$3,285

Billings

$2,567

$3,159

Birmingham

$1,956

$2,024

Boca Raton

$1,239

$2,586

Boise

$921

$1,278

Boston

$962

$1,828

Bowling Green

$4,143

$6,754

Bridgeport

$1,138

$1,814

Brownsville

$3,024

$5,816

Buffalo

$816

$1,347

Burlington

$747

$1,207

Cape Coral

$924

$1,902

Chandler

$1,454

$1,863

Charleston

$2,120

$4,052

Charleston

$1,811

$2,018

Charlotte

$974

$1,781

Chattanooga

$5,335

$8,541

Chesapeake

$1,538

$2,796

Cheyenne

$1,522

$2,260

Chicago

$1,688

$2,238

Chula Vista

$452

$1,014

Cincinnati

$1,420

$1,603

Cleveland

$1,352

$1,522

Colorado Springs

$2,467

$3,568

Columbia

$2,564

$4,245

Columbus

$1,453

$1,740

Coral Springs

$1,760

$3,757

Corpus Christi

$3,936

$6,340

Dallas

$3,320

$4,986

Denver

$2,396

$3,529

Des Moines

$1,821

$2,137

Detroit

$3,999

$4,237

Durham

$1,050

$1,900

El Paso

$1,710

$2,353

Fargo

$1,703

$2,681

Fayetteville

$1,416

$2,812

Fontana

$575

$1,177

Fort Lauderdale

$1,364

$2,884

Fort Myers

$1,012

$2,112

Fort Wayne

$1,167

$1,539

Fort Worth

$3,424

$5,205

Fremont

$493

$1,005

Fresno

$477

$1,050

Gainesville

$731

$1,518

Garland

$3,346

$6,210

Gilbert

$1,429

$2,403

Glendale

$1,583

$2,661

Greensboro

$927

$1,682

Henderson

$731

$994

Hendersonville

$4,882

$7,883

Hialeah

$2,434

$5,175

Honolulu

$220

$432

Houston

$2,937

$4,554

Huntsville

$3,875

$6,501

Indianapolis

$1,427

$1,955

Irvine

$500

$1,132

Irving

$3,306

$6,135

Jackson

$2,292

$3,221

Jacksonville

$818

$1,572

Jersey City

$974

$1,388

Kansas City

$4,745

$7,807

Kansas City

$2,302

$3,366

Knoxville

$4,421

$7,242

Lakewood

$3,155

$5,459

Lancaster

$651

$1,341

Lancaster

$924

$1,595

Laredo

$2,004

$2,745

Las Vegas

$818

$1,164

Lexington

$1,361

$1,827

Lincoln

$2,428

$3,093

Little Rock

$3,062

$3,768

Long Beach

$514

$1,149

Los Angeles

$647

$1,406

Louisville

$1,672

$2,239

Loveland

$2,322

$3,960

Lubbock

$3,134

$5,638

Madison

$954

$1,314

Manchester

$716

$1,086

McKinney

$3,182

$5,859

Memphis

$3,860

$4,469

Mesa

$1,587

$2,096

Metairie

$2,784

$6,263

Miami

$2,111

$3,460

Milwaukee

$1,171

$1,626

Minneapolis

$1,808

$2,978

Mobile

$5,341

$8,771

Modesto

$459

$909

Montgomery

$3,468

$5,685

Moreno Valley

$569

$1,166

Myrtle Beach

$3,824

$6,764

Nashville

$3,016

$3,465

New Haven

$1,299

$2,583

New Orleans

$2,229

$4,500

New York

$1,318

$2,000

Newark

$1,007

$1,455

Norfolk

$1,637

$3,007

North Las Vegas

$789

$1,353

Oakland

$598

$1,215

Ocala

$766

$1,589

Odessa

$2,902

$5,374

Oklahoma City

$4,639

$6,071

Olathe

$3,986

$6,608

Omaha

$2,889

$5,258

Orlando

$946

$1,715

Oxnard

$408

$804

Pahrump

$761

$1,317

Pensacola

$862

$1,816

Philadelphia

$1,796

$2,349

Phoenix

$1,895

$2,462

Pittsburgh

$1,045

$1,127

Plano

$3,189

$4,452

Port St. Lucie

$1,083

$2,276

Portland

$806

$1,296

Portland

$921

$1,029

Providence

$1,114

$1,511

Raleigh

$1,036

$1,887

Rancho Cucamonga

$560

$1,154

Reno

$684

$1,171

Richmond

$1,124

$1,923

Riverside

$561

$1,202

Sacramento

$470

$1,058

Salem

$960

$1,574

Salt Lake City

$900

$1,069

San Antonio

$1,920

$2,984

San Bernardino

$597

$1,219

San Diego

$450

$968

San Francisco

$534

$1,086

San Jose

$478

$968

Santa Ana

$482

$1,097

Santa Clarita

$577

$1,159

Santa Rosa

$411

$864

Scottsdale

$1,572

$2,660

Seattle

$833

$1,207

Sioux Falls

$2,378

$2,921

Spokane

$812

$1,385

Springfield

$690

$1,249

St. Louis

$2,123

$3,050

St. Paul

$1,768

$2,804

St. Petersburg

$757

$1,405

Stockton

$499

$1,096

Sumter

$3,131

$5,160

Syracuse

$878

$1,414

Tacoma

$953

$1,643

Tallahassee

$712

$1,493

Tampa

$956

$1,683

Toledo

$1,542

$1,686

Topeka

$4,505

$7,503

Torrance

$474

$941

Tucson

$1,442

$1,861

Tulsa

$3,286

$4,411

Valdosta

$2,620

$4,337

Virginia Beach

$1,659

$2,361

Waco

$2,356

$4,337

Washington

$735

$1,148

Wichita

$3,814

$4,993

Wilmington

$568

$843

Wilmington

$4,733

$9,387

Winston-Salem

$925

$1,829

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MONEYGEEK EXPERT TIP

According to MoneyGeek's review, Allstate offers the best homeowners insurance in Kansas if you aren’t worried about the price.

If you want to find the top homeowners insurance company, it's crucial to look for an insurer that balances value and quality. According to your needs, MoneyGeek offers a detailed review of the leading homeowners insurance providers.

Frequently Asked Questions About Home Insurance in Kansas

The cost of Kansas homeowners insurance can vary depending on your personal profile, your house and your insurer. To help you look for coverage, MoneyGeek provided answers to frequently asked questions concerning homeowners insurance in the state.

Methodology

To determine the average cost of homeowners insurance in Kansas, MoneyGeek sourced pricing data from Quadrant Information Services.

MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance.

This standard home profile consists of the following attributes:

  • Construction year: 2000
  • Construction type: Frame
  • Composition roof
  • Three-mile radius from the fire department
  • Assumed value of other structures on the property: 10% of the dwelling coverage
  • Personal property coverage: 40% of the dwelling coverage
  • Liability limit: $100,000
  • Deductible: $1,000

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.