Haris Ashley
Home insurance in Kansas is among the most expensive in the country, with the average resident paying $4,415 per year or $368 per month for a policy with $300,000 in dwelling coverage. The average cost of homeowners insurance in the state is between $2,400 and $5,400 per year, but this varies drastically depending on the home and the amount of coverage needed. The cheapest home insurance company in Kansas will depend on factors such as coverage level, home condition, and personal history. The type of construction and roof materials used also directly impact the cost of homeowners insurance. Various companies offer competitive rates, add-ons, and customisation options.
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What You'll Learn
Cheapest full coverage
The cost of homeowners insurance in Kansas varies depending on your home and the amount of coverage you need. The average cost of homeowners insurance in Kansas is $3,856 per year, although some sources state the average is $3,735, $4,415, or $5,412 per year. The cheapest homeowners insurance in Kansas is offered by Travelers, with an average annual premium of $2,444.
The type of construction and the materials used for the roof can also impact the cost of your homeowners insurance. For example, a frame-type construction home with a shake-treated roof in Kansas will have the lowest annual premium from Shelter at $1,151. This is because these materials are more susceptible to weather damage, leading to more insurance claims. Homes with superior construction and tile roofs incur lower insurance costs due to their resilience against Kansas weather conditions, saving an average of $633 annually compared to frame-type construction homes.
Additionally, choosing a higher deductible can lower your rate. In Kansas, opting for a $2,000 deductible will get you the best deal at Shelter with an annual premium of $960. However, choosing a $500 deductible makes Auto-Owners Insurance the cheapest at $1,273 per year. Auto-Owners Insurance stands out for its cheap rates, high customer satisfaction, and extensive coverage options and discounts.
It's important to note that home insurance prices in Kansas have been increasing in recent years, with an 8.3% increase in 2023 and a 13.2% increase in 2024. Kansas is the second-most expensive state for home insurance in the nation, due in part to the high claim payouts for catastrophic storm events and the state's high risk for tornado damage and strong wind storms.
When considering the cheapest full coverage, State Farm offers the cheapest full coverage car insurance in Kansas, with an average rate of $126 per month. They also have good customer service and an average amount of complaints. However, they may not be the best option for customizing your policy, as they have fewer coverage options and discounts than other companies.
Another option for cheap full coverage is Marysville Mutual, a local Kansas company that offers cheaper-than-average rates for home insurance. They also provide coverage for farms, rented homes, and some small businesses. However, they do not sell car insurance, so they may not be ideal for bundling.
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Average cost
The average cost of home insurance in Kansas varies depending on the source of information and the base year used for the calculation. According to US News, the average cost of homeowners insurance in Kansas is between $2,400 and $5,400 per year. This estimate is based on quotes from top providers for $200,000 of dwelling coverage and $100,000 of liability coverage. However, the cost of homeowners insurance can vary significantly depending on the home's value and the amount of coverage required. For instance, purchasing $500,000 of dwelling coverage can result in annual premiums of $5,000 or more.
NerdWallet reports a slightly lower average annual cost of $3,735 for home insurance in Kansas. This figure represents a substantial 77% deviation from the national average of $2,110. Notably, those with poor credit in Kansas pay significantly more for homeowners insurance, with an average annual cost of $6,110, according to the same source.
Bankrate, on the other hand, estimates an even higher average annual premium for Kansas homeowners insurance at $4,415, or approximately $368 per month. This high average premium is attributed, at least in part, to the state's susceptibility to catastrophic storm events, including tornadoes and strong wind storms, which result in substantial claim payouts. LendingTree reports a similar average cost of $4,669 per year for Kansas City specifically, which is 14% lower than the state average.
The cost of homeowners insurance in Kansas can also vary depending on the city or town. For example, Baldwin City has the lowest homeowners insurance rates in the state, with an average annual cost of $4,384, while Beeler has the highest rates at $6,721 per year. Additionally, the type of construction and roofing materials can impact insurance costs. Homes with superior construction and tile roofs tend to have lower insurance costs due to their resilience against Kansas weather conditions.
It is worth noting that home insurance rates in Kansas have been increasing over the years. Between 2017 and 2023, home insurance prices in the state rose by 39.8%, including an 8.3% increase in 2023 and a 13.2% jump in 2024. As a result, Kansas has the second-highest average home insurance premiums in the nation, surpassed only by Oklahoma.
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Flood coverage
Homeowners in Kansas should be aware that most home insurance policies do not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents of a building, or both. Floods can happen anywhere, and just one inch of floodwater can cause thousands of dollars' worth of damage. In 2025, the average residential flood claim is reported to be over $35,000.
The National Flood Insurance Program (NFIP) is a federal program that provides flood insurance to property owners, renters, and businesses. The NFIP works with communities to adopt and enforce floodplain management regulations that help mitigate flooding effects. Flood insurance is available to anyone living in one of the 22,600 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. The NFIP provides a wealth of information about flood coverage, and you can use the NFIP Quote Tool to get a free and personalized quote.
In Kansas, Auto-Owners Insurance offers inland flood coverage as an optional add-on to its home insurance policies, which is rare. Nearly every county in Kansas has experienced flooding, so it is important to have this coverage. Auto-Owners also stands out for its cheap rates, high customer satisfaction, and extensive coverage options and discounts.
Another option for homeowners insurance in Kansas is Travelers, which offers the cheapest rates in the state, with an average annual premium of $2,444. However, Travelers does not offer as many coverage options or discounts as some other insurance companies. For those looking to bundle their auto and home insurance, State Farm is a good option, with cheap rates and good customer service.
It is important to note that the cost of homeowners insurance in Kansas varies drastically depending on the home and the amount of coverage needed. The average cost of homeowners insurance in the state is between $2,400 and $5,400 per year, but this can be much higher for more expensive homes. For example, purchasing $500,000 of dwelling coverage can cost around $5,000 or more yearly.
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Wind and hail deductible
As Kansas is part of Tornado Alley, it experiences high winds, tornadoes, and hail. Most counties in the state have experienced flooding. While home insurance usually covers damage from wind, tornadoes, and hail, it never covers flooding. Some insurers may charge a separate hail deductible or exclude coverage altogether.
Homeowners insurance policies in Kansas typically include hail coverage to cover the structure of the dwelling in the event of hail damage. However, some insurers will designate more expensive deductibles in states vulnerable to hail and may make exclusions for cosmetic damage. For example, if your home is still functional but has aesthetic flaws following a hailstorm, your insurance company will likely not cover the expenses for its repair.
A homeowner's deductible is the amount the policyholder is responsible for paying toward a covered loss. The deductible chosen by the policyholder can change how much they pay in insurance premiums. A higher deductible results in lower insurance rates. Therefore, if you need lower insurance rates, it is beneficial to keep your deductible higher. However, your deductible should only be as high as you can reasonably afford in the event of a loss.
In Kansas, a wind and hail deductible is common, typically ranging from 1% to 2% of the dwelling coverage limit. This is the amount your insurer will pay to rebuild your house. For example, if your wind deductible is 1% and your house has $250,000 of dwelling coverage, you would have to pay for the first $2,500 of wind damage yourself.
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High-value homes
Kansas homeowners insurance is among the most expensive in the country. The average cost of homeowners insurance in Kansas is $3,570 per year, according to NerdWallet, while other sources put the average at $3,856 or even $4,415 per year. This is due to the state's high risk of tornado damage, strong winds, and flooding. As a result, home insurance rates in Kansas have been increasing, with an 8.3% increase in 2023 and a 13.2% increase in 2024.
Auto-Owners Insurance stands out as the best home insurance in Kansas for most people because of its cheap rates, high customer satisfaction, and extensive coverage options and discounts. The company has the cheapest home insurance in Kansas for policies with $350,000 and $500,000 in dwelling coverage. It also has cheaper-than-average rates for homes with $200,000 and $1 million in dwelling coverage. For example, Auto-Owners offers the least expensive home insurance in Kansas for homeowners with one claim in the past five years and a $100K dwelling coverage limit, costing an average of $1,244 annually.
For high-value homes, Auto-Owners also provides affordable home insurance, offering the lowest rate for $750K dwelling coverage at $5,082 per year. Additionally, Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC.
Other insurance companies with competitive rates in Kansas include State Farm, Shelter, Travelers, Amica, Marysville Mutual Insurance Co., and American Family. It is important to note that home insurance rates can vary based on factors such as the age and value of the home, the coverage selected, and the claims history, among others.
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Frequently asked questions
The average cost of home insurance in Kansas is between $2,400 and $5,400 per year. However, some sources state that the average cost is $3,735 per year, while others state it is $3,856 or $4,415 per year. The cost of home insurance in Kansas varies drastically depending on your home and the amount of coverage you need.
The type of construction and the materials used for the roof can impact the cost of home insurance in Kansas. Homes with superior construction and tile roofs tend to incur lower insurance costs due to their resilience to the state's weather conditions. The coverage level, home condition, and personal history can also affect the cost.
The cheapest home insurance company in Kansas is Travelers, with an average annual premium of $2,444. Other affordable options include State Farm, Auto-Owners, and Marysville Mutual.
Home insurance in Kansas typically covers damage from wind, tornadoes, and hail. However, it does not cover flood damage, which requires a separate policy. Some companies also offer optional coverages such as water backup, jewelry and valuable items coverage, and identity fraud protection.
