Best and Cheapest Homeowners Insurance in Kansas for 2024

If you’ve ever filed a homeowners insurance claim, you know the importance of being protected by a great company. There are many things that can cause you to have to file a claim from unexpected natural disasters to theft or vandalism. In the event you may need to file a claim, don’t you want to feel confident you’ve protected your home with one of the best Kansas homeowners insurance companies?

To help you be more confident in your homeowners insurance company, we have reviews and rankings for hundreds of homeowners insurance companies so you can evaluate and compare the best Kansas home insurance companies. In the table above, you can sort through every homeowners insurance company ranked on Clearsurance. Next to each insurer you’ll find the company’s rating, which is based exclusively on the reviews and ratings provided by customers. Note: Only those companies with at least 25 homeowners insurance reviews are eligible to appear in the rankings of the best Kansas homeowners insurance companies.

If you’re looking for additional information on one of the best homeowners insurance companies in Kansas, you can visit the company’s profile page where you’ll learn about the company, additional coverages and potential discounts offered. You can also read reviews to see what other policyholders have to say about the home insurance company.

On this page:

• Best homeowners insurance rates in Kansas for a $200K dwelling
• Best homeowners insurance rates in Kansas for a $400K dwelling
• Kansas property crime statistics
• Kansas disaster statistics

Who offers the best homeowners insurance rates in Kansas for a $200K home?

State Farm's average home insurance rates for a $200K home in Kansas are the cheapest, slightly cheaper than the average premiums for Farmers Insurance Group and Travelers.

In the table below, compare the average homeowners insurance rates in Kansas for a $200K dwelling for the five largest insurers in the state.

These rates are based on a $200,000 dwelling with the following coverage limits: $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a good insurance score. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

Who offers the best homeowners insurance rates in Kansas for a $400K home?

State Farm offers the cheapest average home insurance rates in Kansas for a $400K dwelling among the five largest homeowners insurance companies in the state.

These rates are based on a $400,000 dwelling with the following coverage limits: $200,000 personal property, $40,000 loss of use, $40,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a good insurance score. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

What do Kansas property crime statistics say?

Theft and vandalism or malicious mischief are among the 16 perils a standard homeowners insurance policy protects you from. So, how does crime in Kansas compare to other states around the country? The FBI published the following statistics on crime in Kansas for 2016:

• Property crime - 78,367
• Burglary - 14,364
• Larceny theft - 57,066

All three statistics for Kansas, when compared to the national average rate per 100,000 inhabitants, rank slightly above the national average.

What do Kansas disaster statistics say?

Weather-related incidents are typically among the costliest homeowners insurance claims. FEMA has published statistics for each state since 1953. Data is updated through August 2018. Here’s a look at the Kansas federally declared disasters since 1953:

• Severe storm - 34
• Flood - 13
• Fire - 11
• Tornado - 6
• Severe ice storm - 2
• Snow - 2
• Hurricane - 1

How are homeowners insurance rates calculated in Kansas?

Ever wonder why you pay what you do for home insurance in Kansas? Some things may be obvious, like the age of your home. But other factors that contribute to the price of homeowners insurance may not be as obvious. Here’s a list of some of the things homeowners insurance companies consider when quoting you a rate:

• The level of coverage required
• The size of your mortgage
• Your credit score
• The square footage of your home
• The geographic location of your home in Kansas
• The condition of your home
• The age of your home
• The proximity of your home to a fire station
• Your previous claims record
• The amount of your deductible
• Optional add-ons like umbrella insurance

Zillow estimates that homeowners can expect to pay approximately $35 each month for every $100,000 of your home's value. Home insurance premiums for dwelling coverage in Kansas are higher than the national average cost. This is due to the high claim payouts for catastrophic storm events.

Since Kansas is part of the Tornado Alley, tornadoes are quite common which is why home insurance is expensive. When shopping for home insurance, it's good to understand the common causes of damage and the types of coverage you should have to protect your finances. Apart from tornadoes, Kansas has a great number of hail events.

Potential causes of home damage in Kansas include: water damage, hail damage and wind damage. Coverage options include flood insurance, water backup coverage, roof replacement cost, and wind coverage.

How does Clearsurance rate and rank the best homeowners insurance companies in Kansas?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Homeowners Insurance Guide

Your home is likely your most valuable asset, making it that much more important that you insure your home with one of the best Kansas homeowners insurance companies. But beyond just picking a company, it’s crucial to have the right coverage and to understand that coverage. Did you know that a standard homeowners insurance policy has six types of coverage? And did you know that there are usually 16 types of perils found in a homeowners insurance policy?

At Clearsurance, we want to make sure you have a strong understanding of your homeowners insurance coverage and what it all means. Check out our homeowners insurance guide to become a smarter insurance customer. And for more educational content on other homeowners insurance topics, check out our homeowners insurance blog!