7 Best Homeowners Insurance Companies in Kansas 2023

Learn about the best homeowners insurance companies in Kansas, including the most affordable, the best coverage options, and information about discounts and prices.
Kansas City

The Sunflower State is where many residents have achieved their dream of becoming homeowners, whether they live in a big city like Wichita or Topeka or a small town like Prairie Village or Haygrove.

Anybody who buys a home understands that there are risks associated with being a homeowner and must take steps to protect themselves and their families in the event their home is damaged or even destroyed.

Homeowners insurance protects Kansas homeowners from heavy rain, tornados, and other harsh weather.

At PropertyNest, we believe the process of buying homeowners insurance should be as easy and stress-free as possible, so we’ve done the research to choose the best homeowners insurance companies in Kansas.

The average annual cost for homeowners insurance in Kansas is $2,275, which works out to $190 per month; a little higher than the national average, but it’s possible to pay less with discounts.

Best Homeowners Insurance in Kansas

  • Allstate: Best for Tornado Coverage
  • State Farm: Best for Inflation Protection
  • Travelers: Best for Green Homes
  • Shelter Insurance: Best for Inexpensive Coverage
  • Auto-Owners: Best for Customer Support
  • American Family: Best for Personalized Coverage
  • Nationwide: Best for Homeowners Insurance Discounts

Allstate: Best for Tornado Coverage

Allstate Homeowners Insurance, Kansas
Editors star rating review
5.0
Editor's Rating (5 Stars out of 5)

Allstate has an excellent reputation for speedy claims payment and is one of the most respected property insurance companies in the United States.

We chose them for our list because tornados present a significant risk to Kansas homeowners, and Allstate offers the best and most affordable tornado coverage.

We also like Allstate for its user-friendly and helpful website, which makes it easy to get a quote, find coverage information, or track a claim.

Read our full review on Allstate Homeowners Insurance.

What Homeowners Insurance Discounts Does Allstate Offer?

Allstate makes a total of eight discounts available for homeowners insurance, several of which should be accessible to most Kansas homeowners.

  • Claims-free. Get a discount if you have no recent homeowners insurance claims.
  • Bundling. Purchase two or more policies to save.
  • Early signing. Get a break on your premium if you buy your Allstate policy a week or more before your old policy expires.
  • New homeowner. Get a discount if you’re a new homebuyer or if you buy a newly renovated home.
  • New roof. Save money if you install a new roof on your home.
  • Protective devices. Get this discount if your home has installed fire or theft protection devices.
  • Responsible payer. Get a discount if you pay your premium on time.
  • Welcome. Get a 10% discount when you switch your policy to Allstate.

Allstate’s average annual premium in Kansas is significantly below the state average.

Pros and Cons of Allstate Insurance

Pros
  • Allstate’s policy combines wind and storm coverage to make it the best option for protection against tornado damage.
  • The company website is informative and user-friendly.
  • There are a total of eight discounts to help you save money.
  • HostAdvantage coverage is available if you share or rent a home.
  • There’s a Rate Guard option to protect against inflation by locking in your premium.
  • You can customize your coverage with add-ons that include an optional digital identity tool, garden & yard repair, and recovery of stolen data.
  • Allstate has a program to coordinate policyholders’ flood claims with FEMA.
Cons
  • Replacement coverage is not included with the standard policy.
How is Allstate Homeowners Insurance Rated?
J.D. Power (out of 1,000)815
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.05
BBBA-

State Farm: Best for Inflation Protection

State Farm Homeowners Insurance, Kansas
Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

State Farm has been selling insurance to American consumers for a century, and today, the company is widely trusted and regarded as a solid choice for homeowners insurance.

As a company, there’s a lot to recommend State Farm. Still, we selected them for our list because we think they’re the best option for homeowners worried about the toll of high inflation may take on their ability to rebuild their homes after a total loss.

We also appreciate State Farm’s high policy limits for homeowners with high-value properties and their stellar customer service.

Read our full reviews on State Farm Homeowners Insurance.

What Discounts Does State Farm Offer on Homeowners Insurance?

State Farm offers three potential discounts to help Kansas homeowners save on their insurance.

  • Bundling. According to State Farm, homeowners can save up to $1.127 by bundling homeowners insurance with auto insurance.
  • Roofing. Get a discount if you replace your current roof with a roof built with impact-resistant materials.
  • Home security. You’ll get a discount if your home has installed fire alarms, smoke detectors, burglar alarms, or a home monitoring system.

State Farm’s average annual cost for Kansas homeowners insurance is well below the state average.

Pros and Cons of State Farm

Pros
  • Expanded and Premium coverage offer extra protection for high-value homes in Kansas, including equipment malfunction and water backup coverage.
  • State Farm’s optional Inflation Guard rider automatically increases your dwelling coverage to keep pace with inflation.
  • State Farm is one of the only insurance companies that offers a fungus and mold rider.
  • Each homeowners insurance policy comes with information about catastrophe protocols and available emergency services.
Cons
  • Homeowners who select Expanded or Premium coverage may pay more than average for their insurance.
  • There are only three available discounts.
How is State Farm Homeowners Insurance Rated?
J.D. Power (out of 1,000)829
A.M. Best - Financial Strength RatingA++
BBBA+
NAIC Complaint Index1.77

Travelers: Best for Green Homes

Travelers Homeowners Insurance, Kansas
Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Travelers Insurance started providing protection to American consumers over 160 years ago and is one of the oldest insurance companies in the country.

While Travelers has a stellar reputation for both financial security and customer service, we chose them for our list because they are the only company on our list to offer a policy discount for rebuilding with green materials.

We also appreciate that Travelers offers a wide array of endorsements to help Kansas homeowners personalize their policies.

What Homeowners Insurance Discounts Are Available from Travelers?

Travelers Insurance provides a total of five discounts on homeowners insurance to help Kansans save money.

  • Claims-free. You’ll save on your premium if you’ve never filed a homeowners insurance claim.
  • Green construction. Get a discount if you buy or build a certified green home.
  • Home buyer. You’ll get this discount if you purchase a home within 12 months of switching to Travelers.
  • Policy bundling. Save up to 12% if you buy 4 or more policies from Travelers.
  • Protective devices. Get a discount if your home has installed smoke detectors, burglar alarms, a sprinkler system, or an installed smart home device.

The average cost of Travelers homeowners insurance in Kansas is significantly lower than the statewide average.

Pros and Cons of Travelers Insurance

Pros
  • Travelers offers a wide array of add-on coverages, including water backup coverage and sump pump protection, and special coverage for valuables.
  • Travelers is the only company on our list to offer a discount for renovating with green materials.
  • The company has excellent financial and customer service ratings.
  • The cost of homeowners insurance with Travelers is significantly less than the state average.
Cons
  • While Travelers mobile app works well for iPhone users, we wish they would fix the issues that occur for Android users.
  • Travelers bundling policy could be more generous, since policyholders need to buy four policies to qualify.
How is Travelers Insurance Rated?
J.D. Power (out of 1,000)794
A.M. Best - Financial Strength RatingA++
BBBA
NAIC Complaint Index3.88

Shelter Insurance: Best for Inexpensive Coverage

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Shelter Insurance is not as well known as some other companies on our list, but it has a good reputation in the 15 states where it is licensed–including Kansas.

We selected Shelter for our list because its average cost is the lowest of all the companies we evaluated, making it a good choice for many Kansans.

We also appreciate that Shelter offers several discounts to help policyholders save money and that restoration coverage is included in its basic homeowners insurance policy.

What Discounts Does Shelter Offer on Homeowners Insurance?

Shelter Insurance offers five potential discounts on homeowners insurance.

  • Bundling. Buy both homeowners insurance and car insurance from Shelter to save.
  • Claims-free. Get a discount if you have gone 6 or more years without filing a homeowners insurance claim.
  • Heating system. You’ll get a discount if your home does not have a solid fuel heating device, such as a wood stove. (Conventional fireplaces are okay.)
  • Protective devices. You’ll get a discount if your home has installed smoke detectors, fire alarms, or dead-bolt locks on the exterior doors.
  • New home. Get this discount if your home is either newly constructed or under construction.

The average annual cost of homeowners insurance with Shelter in Kansas is well below the state and national averages.

Pros and Cons of Shelter Insurance

Pros
  • Shelter Insurance has the lowest costs in Kansas compared to other carriers.
  • There are five available discounts to reduce your costs.
  • The basic policy includes restoration coverage, which pays to replace damaged or destroyed materials with new materials of the same quality.
  • Shelter offers an array of attractive add-on coverage options, including protection for docks and piers, watercraft, farms, service line interruption, and more.
  • Shelter has received a lower-than-expected volume of customer complaints compared to other companies of its size.
Cons
  • Shelter Insurance is not available in all 50 states and may not be the ideal choice for anybody who moves frequently.
  • Shelter’s mobile app could use some improvements.
How is Shelter Insurance Rated?
J.D. Power (out of 1,000)856
A.M. Best - Financial Strength RatingA
BBBA+
NAIC Complaint Index0.47

Auto-Owners: Best for Customer Support

Auto Owners Homeowners Insurance, Kansas
Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Auto-Owners is another regional insurance company, but we believe they’re a good choice for Kansas homeowners.

We chose them for our list because they offer the best customer support of any company we reviewed, typified by their user-friendly website and multiple support options.

We also appreciate that Auto-Owners offers generous discounts to help Kansans save on their homeowners insurance.

What Discounts Does Auto-Owners Offer on Homeowners Insurance?

Auto-Owners provides a total of 8 potential discounts for homeowners, including several that are easy for most homeowners to take advantage of.

  • Advance quote. Buy your new policy before your existing policy expires to save.
  • Automatic backup generator. If your home has an installed backup generator, you’ll get a discount.
  • Bundling. Buy two or more policies with Auto-Owners to save.
  • Advance payment. Pay your annual premium in advance to get a discount–does not apply to escrow direct billing.
  • Paperless. Sign up for paperless billing to save.
  • On-time payment. Pay your premium on time for 36 months to save.
  • Protective devices. Save if you have installed fire or burglar alarms.
  • Water shut-off. Save if you have an automatic water shut-off in your house.

Auto-Owners’ average cost in Kansas is higher than the state average but you may pay less with multiple discounts.

Pros and Cons of Auto-Owners Home Insurance

Pros
  • Auto-Owners has excellent customer service reviews and ratings.
  • There are eight potential discounts to help you save money, including several that are easy to qualify for.
Cons
  • Quotes are not available online and must be obtained through an agent.
  • Auto-Owners mobile app could be better and we hope they’ll improve it.
How is Auto Owners Homeowners Insurance Rated?
J.D. Power (out of 1,000)874
A.M. Best - Financial Strength RatingA++
BBBA+

American Family: Best for Personalized Coverage

American Family Homeowners Insurance, Kansas
Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

American Family provides homeowners insurance in 44 states, including Kansas.

We chose them for our list of the best homeowners insurance companies in Kansas thanks to their impressive list of add-on coverages that can be used to personalize your policy.

We also appreciate American Family’s well-designed mobile app that allows homeowners to compare coverage, change their policies, or file and monitor claims.

What Discounts Does American Family Offer on Homeowners Insurance?

American Family offers a total of nine discounts on homeowners insurance, higher than all but one of the other carriers on our list.

  • Autopay. Sign up to make automatic payments to get a discount.
  • Bundling. Purchase two or more policies to save money.
  • Full pay. Get a discount if you pay your annual premium in advance.
  • New home. Get a discount if your home is less than 15 years old.
  • Generational. Get a discount if your parents are also American Family customers.
  • Loyalty. Save on your premium if you keep your policy with American Family for two years or more.
  • Renovation. You’ll get a discount if you renovate your home’s HVAC, electrical, or plumbing systems.
  • Security. Save if your house has an installed smart home security system.
  • Paperless. Enroll in paperless billing to save.

The average cost of American Family’s homeowners insurance in Kansas is well above the state average, although layering discounts can help you save.

Pros and Cons of American Family Insurance

Pros
  • American Family offers a total of nine discounts to help you save on your premium.
  • The company offers a wide array of add-on coverages including replacement of damaged siding.
  • American Family has received a significantly lower than average volume of customer complaints compared to other companies of a similar size.
  • The free mobile app is user-friendly and has received excellent reviews.
Cons
  • Adding many endorsements is likely to increase your annual cost for homeowners insurance.
  • If you want to customize coverage, you’ll need to work with one of American Family’s agents.
How is American Family Homeowners Insurance Rated?
J.D. Power (out of 1,000)842
A.M. Best - Financial Strength RatingA+
BBBA+
NAIC Complaint Index0.25

Nationwide: Best for Homeowners Insurance Discounts

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Nationwide Insurance is one of the most prominent and respected insurance companies in the United States.

We chose Nationwide for our roundup of the best homeowners insurance companies in Idaho because they offer the most impressive array of discounts to reduce the cost of homeowners insurance.

We also like that Nationwide offers some of the most generous policy bundling discounts, which can help to lower costs.

What Homeowners Insurance Discounts Does Nationwide Offer?

Nationwide provides homeowners with a total of nine potential discounts to save money on insurance.

  • Claims-free. You’ll get a break on your premium if you have never filed a homeowners insurance claim.
  • Gated community. Get a discount if your home is in a gated community.
  • Home renovation. Update your home’s electrical, plumbing, or HVAC systems to save.
  • New home purchase. Get a break on your premium if you buy your home within one year of buying your policy.
  • Policy bundling. Save 20% or more when you buy two or more policies from Nationwide.
  • Prior insurance. Get a discount based on how long you were with your previous carrier.
  • Protective devices. Save if your home has installed fire alarms, smoke detectors, or burglar alarms.
  • Smart home. You’ll get a discount if your home has an installed smart device.
  • Roof rating. If your roof is new or recently renovated, you may qualify for a discount.

The average cost of Nationwide’s homeowners insurance in Kansas is a great deal more than the state average, although there are plenty of opportunities for discounts with Nationwide.

Pros and Cons of Nationwide Insurance

Pros
  • Nationwide offers a total of nine generous discounts on homeowners insurance.
  • The company has stellar customer service and a very low volume of customer complaints.
  • You can file a claim online with just a few clicks.
  • There are special discounts to help you upgrade your roof or your home’s HVAC, plumbing, or electrical systems.
  • Nationwide’s standard coverage is more comprehensive than other companies on our list.
Cons
  • Nationwide doesn’t offer homeowners insurance for mobile or manufactured homes.
  • The mobile app doesn't have any much functionality as competitors'.
How is Nationwide Insurance Rated?
J.D. Power (out of 1,000)816
A.M. Best - Financial Strength RatingA+
BBBA+
NAIC Complaint Index0.88
Compare the Best Homeowners Insurance Companies
CompanyPropertyNest RatingJ.D. Power (out of 1,000)A.M Best RatingBBB Rating
Allstate5.0815A+A-
USAA5.0884A++A+
Lemonade4.5870*Not RatedB+
American Family4.5842AA
Erie Insurance4.5827A+A+
Farmers4.5839*AA-
Liberty Mutual4.5805AA+
State Farm4.5829A++A+
Chubb4.5809A++D-
Hartford4.5839A+A+
MetLife4.5904*A+D-
Nationwide4.0816A+A+
Progressive4.0819*A+Not Rated
Amica4.0849A+A+
Travelers4.0794A++A
GEICO4.0869*A++A+

How Much Does Homeowners Insurance in Kansas Cost?

The cost of homeowners insurance in Kansas varies depending on factors such as the size of your home, age and condition of your home, location, and any additional coverage you'd like to purchase.

The average annual cost for homeowners insurance in Kansas is $2,275, which works out to $190 per month; a little higher than the national average, but it’s possible to pay less with discounts.

It is important to shop around and compare rates from multiple insurance providers in order to find the best coverage and rate for your situation. Additionally, you may be eligible for discounts if you take certain steps to reduce risk, like installing a home security system or purchasing multiple policies from one provider.

How to Lower Homeowners Insurance Premiums?

Get Multiple Insurance Quotes

One way to lower homeowners insurance rates is to shop around and compare different policies.

Different insurers often have different premiums depending on the type and amount of coverage they offer. Do some research online or speak with a broker or agent specializing in homeowners insurance to get quotes from multiple companies.

Make sure you choose a policy that meets your needs while providing the best rate possible.

Raise Your Insurance Deductibles

In addition to shopping around, consider raising your deductible.

This is an amount you will pay out-of-pocket if you need to make a claim against your policy. The higher the deductible, the lower your premium will be, as insurers see it as less of a risk if you are willing to shoulder more upfront costs in case of an incident.

Be careful when setting your deductible—it should be enough where you can reasonably afford it if needed but not so high that it’s unrealistic for you to pay out should something happen.

Bundle Your Insurance

Another helpful way to save money on home insurance is bundling your policy with other insurance products, such as car or life insurance, through one provider.

By doing this, you could save up to 25% on each individual product and also benefit from discounts across all policies through multi-policy discounts and loyalty programs offered by many providers.

Increase Home Safety Features

Additionally, consider increasing the safety and security features of your home as this can decrease the risk factors associated with insuring it—this may include installing things like smoke detectors, deadbolts on all exterior doors and windows, a home security system with surveillance cameras or even adding storm shutters during hurricane season if necessary.

Home safety devices may also qualify for additional discounts depending on which insurer you choose, so make sure you ask about any available discounts when shopping for policies.

Finally, keep up-to-date records regarding repairs and maintenance done around the home, such as plumbing fixtures, roof replacements, or major appliance changes/fixes—insurers often take these into account when calculating premiums as proper upkeep decreases their risk when insuring your property, so having proof of regular maintenance can go along way towards helping keep costs down

Factors Impact the Price of Homeowners Insurance?

Here are the primary factors that can impact the cost of homeowners insurance.

Policy Limits

The policy limit you need will be determined by the cost of your home, keeping in mind that you’ll need a limit high enough to pay for you to rebuild your home from the ground up.

Kansans with high-value homes should expect their premium to be higher than average.

Deductible

The deductible you choose for your homeowners insurance policy will affect how much you pay.

If you opt for a low deductible, you’ll maximize your coverage if you have a claim while increasing your cost, and the reverse is true if you choose a high deductible.

Add-On Coverage

Your standard homeowners insurance policy will offer basic protection that you may want to augment by adding additional coverage.

Buying any additional or custom coverage to expand your protection will come at a cost that will increase your total premium.

Location

The location of your home impacts your insurance company’s risk because certain areas have a higher-than-average volume of homeowners insurance claims.

You should expect to pay more for homeowners insurance if you own a home close to a body of water, far from a firehouse, or in a high-crime area.

How Much Homeowners Insurance Do You Need?

One of the questions we frequently hear from homeowners across the country is how much homeowners insurance they need.

The simplest way to calculate the coverage you need is to use the estimated cost to rebuild your home as a guide.

  • Dwelling. Your dwelling coverage covers the physical structure of your home and should be enough to rebuild your home from the ground up.
  • Other structures. Your other structures coverage protects any other buildings on your property, including detached garages, sheds, barns, and fences, and it should total about 10% of your dwelling coverage.
  • Personal property. Your personal property coverage protects the personal belongings of anyone living in your home and will pay to replace them if they are damaged, destroyed or stolen; in most cases, you’ll need between 50% and 70% of your dwelling coverage, not counting high-value items that need to be scheduled separately.
  • Personal liability. Your personal liability coverage protects your personal liability if someone who’s a guest in your home is injured or their property is damaged; most people need between $100,000 and $500,000 in coverage.
  • Guest medical. Guest medical coverage will reimburse guests for some of their medical expenses related to injuries sustained in your home; most basic policies include between $1,000 and $5,000 of coverage.
  • Additional living expenses. Additional living expenses coverage pays for the members of your household to live in a hotel or rent an apartment if a covered event renders your home uninhabitable. You’ll need about 20% of your dwelling coverage to be safe.

As you can see, your total coverage should equal about two times the cost of rebuilding your home from the ground up, not counting guest medical and personal liability coverage.

It would be best to keep in mind that these recommendations don’t include any scheduled valuables or add-on coverage you buy.

What Does Homeowners Insurance Cover In Kansas?

While homeowners insurance protects you against many of the common risks associated with damage to your home, it doesn’t protect you against everything.

Here are the things that most standard homeowners insurance policies will cover.

  • Your house and other structures on your property, including barns, fences, sheds, and detached garages.
  • The personal belongings of every resident of your home, whether their belongings are in your home or elsewhere when they are damaged, destroyed, or stolen.
  • Damage caused by covered events listed in the policy.
  • Your personal liability as it relates to guest injuries or damage to their personal property.
  • Guest medical expenses.

Remember that each of these coverages will be limited to the amount of coverage you bought.

Here are the things that are typically not covered by standard homeowners insurance.

  • Flood damage
  • Earthquake damage
  • Power failure
  • Pest infestation and damage
  • Neglect
  • Government action
  • Nuclear hazard

The first four items on this list may be remedied by either purchasing an additional policy or by adding an endorsement to your policy.

There is no remedy for neglect, which is under your control, or for the unlikely events of a nuclear hazard or government action.

Conclusion

At PropertyNest, our mission and purpose are to provide Kansas homeowners with all the information and guidance they need to choose the best homeowners insurance policy for their needs at a price that fits their budget.

As you evaluate your options and request quotes, remember the factors that will impact your premium, including your location, rebuilding your home, and replacing your personal belongings.

We suggest getting a minimum of three quotes from different insurance companies to compare costs and coverage before you buy a policy.

We also recommend you ask about available discounts with this list as a guide since some companies may not volunteer information when requesting a quote.

Our Methodology

We thoroughly researched the state's top homeowners’ insurance companies and narrowed the list down to those that operated in Kansas.

We rated them on criteria that included ease of use, ratings, financial strength, customer, and affordability.

How We Selected the Best Homeowners Insurance Companies for Kansas

Finding the right homeowners insurance policy for your needs can take a lot of time and effort, with so many companies to choose from.

We used these five criteria to select the seven best homeowners insurance companies in the state of Kansas.

Average Annual Cost

For many Kansas homeowners, the expense of homeowners insurance is the most critical factor when selecting a company.

We chose companies that provide as much value as possible for the money they charge compared with the Kansas state average or that offer exceptional coverage and features that help justify the cost.

Discounts for Homeowners Insurance

If you can qualify for discounts on homeowners insurance, you can reduce your premium, particularly when you qualify for multiple values that can be layered to maximize your savings.

We selected companies that offer a minimum of three discounts. We gave special notice to those with discounts applicable to most Kansas homeowners, such as policy bundling or signing up for paperless billing or autopay.

Standard Coverage and Endorsements

No two homeowners are alike, and it’s essential to be able to choose the right coverage to protect your Kansas home and replace your personal belongings if they’re damaged or destroyed.

We selected companies with robust standard coverage and a broad array of add-ons that you can use to customize your policy.

Customer Support and Service

Excellent customer service is necessary because nobody needs extra stress when filing a homeowners insurance claim.

To be chosen for our list, insurance companies had to demonstrate that they were committed to customer support with good reviews and high ratings. We prioritized those companies that provide multiple ways to get support, including mobile, online, and telephone support.

Technology and Online Services

Kansas homeowners often prefer to choose homeowners insurance companies that make it easy and convenient for them to purchase coverage.

We chose companies with valuable and well-designed websites, mobile apps, and online services and support for our list.

Frequently Asked Questions

How many times can you switch homeowners insurance?

In most cases, you can switch homeowners insurance companies as often as you'd like. However, it's important to make sure any changes you make are done in a timely manner and that the new policy is in place before your current coverage expires.

Do you need an inspection for homeowners Insurance?

Most insurance companies require an inspection prior to providing homeowners insurance coverage. The inspection is often done by a certified home inspector who will evaluate the condition of your home and report any issues that need to be addressed before the policy can be issued.