Kansas Homeowners Insurance Calculator: Estimate Your Policy Cost
Home insurance costs are significantly influenced by location. Compared to the national average, Kansas’ average homeowners insurance cost yearly is 135% more at $5,677 for $250,000 in dwelling coverage, which ranks Kansas as the most expensive state for homeowners coverage.
You can determine your rate with MoneyGeek's Kansas homeowners insurance calculator. This is a helpful tool to estimate possible costs when considering insurance for a property you own or one you eventually plan to purchase.
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These are annual estimates. Get a personalized quote to determine your costs.
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.
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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.
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.
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.
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.
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.
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.
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.
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
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- Dwelling Coverage AmountAverage Annual Premium
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
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- CityAverage Annual Premium ($100K Dwelling Coverage)Average Annual Premium ($250K Dwelling Coverage)
- Apple Valley$585$1,193
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.
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
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