Insurance
Kansas Homeowners Insurance Calculator: Free Cost Estimator (2024)
Updated: May 22, 2024
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MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
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Rates updated:
Jul 26, 2024
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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
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.
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.
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.
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.
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.
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.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
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
| $100,000 | Average Annual Premium$4,173 |
| $250,000 | Average Annual Premium$5,677 |
| $500,000 | Average Annual Premium$11,812 |
| $750,000 | Average Annual Premium$17,065 |
| $1,000,000 | Average Annual Premium$24,910 |
| $2,000,000 | Average Annual Premium$71,765 |
| $3,000,000 | Average Annual Premium$112,097 |
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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
| Akron | Average Annual Premium ($100K Dwelling Coverage)$2,192 | Average Annual Premium ($250K Dwelling Coverage)$3,709 |
| Albany | Average Annual Premium ($100K Dwelling Coverage)$847 | Average Annual Premium ($250K Dwelling Coverage)$1,402 |
| Albuquerque | Average Annual Premium ($100K Dwelling Coverage)$978 | Average Annual Premium ($250K Dwelling Coverage)$1,634 |
| Amarillo | Average Annual Premium ($100K Dwelling Coverage)$3,507 | Average Annual Premium ($250K Dwelling Coverage)$6,460 |
| Anaheim | Average Annual Premium ($100K Dwelling Coverage)$479 | Average Annual Premium ($250K Dwelling Coverage)$1,082 |
| Anchorage | Average Annual Premium ($100K Dwelling Coverage)$835 | Average Annual Premium ($250K Dwelling Coverage)$1,279 |
| Apple Valley | Average Annual Premium ($100K Dwelling Coverage)$585 | Average Annual Premium ($250K Dwelling Coverage)$1,193 |
| Arlington | Average Annual Premium ($100K Dwelling Coverage)$3,398 | Average Annual Premium ($250K Dwelling Coverage)$5,027 |
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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.
How much does homeowners insurance cost in Kansas?
Kansas is one of the most costly states for homeowners insurance, with an average annual premium of $5,677 for $250,000 in dwelling coverage. It is 135% higher than the national average.
How do I know how much dwelling coverage to get?
In Kansas, the minimum average dwelling coverage is $100,000. To determine how much dwelling coverage to get, you must first calculate the cost of rebuilding your house. Finding the current costs for labor, supplies and building must be done. You should be able to get assistance with this from an appraiser or your insurance company.
Insurance
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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.