7 Best Homeowners Insurance Companies in Kansas 2023
In Kansas, the Sunflower State, residents from bustling cities like Wichita and Topeka to quaint towns like Prairie Village and Haygrove have realized their dream of homeownership. Being a homeowner comes with risks, making it essential to secure protection for both property and family against potential damages or losses.
Homeowners insurance in Kansas offers coverage against heavy rain, tornadoes, and other severe weather conditions. At PropertyNest, we aim to simplify and streamline the insurance purchasing process by conducting thorough research to identify the top homeowners insurance providers in the state.
The average annual cost of homeowners insurance in Kansas is $2,275, or $190 per month, slightly above the national average. However, with discounts and careful consideration, you can find more affordable options tailored to your needs.
Compare Homeowners Insurance Rates in KS
The 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 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.
| J.D. Power (out of 1,000) | 815 |
|---|---|
| A.M. Best - Financial Strength Rating | A+ |
| NAIC Complaint Index | 2.05 |
| BBB | A- |
State Farm: Best for Inflation Protection
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.
| J.D. Power (out of 1,000) | 829 |
|---|---|
| A.M. Best - Financial Strength Rating | A++ |
| BBB | A+ |
| NAIC Complaint Index | 1.77 |
Travelers: Best for Green Homes
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.
| J.D. Power (out of 1,000) | 794 |
|---|---|
| A.M. Best - Financial Strength Rating | A++ |
| BBB | A |
| NAIC Complaint Index | 3.88 |
Shelter Insurance: Best for Inexpensive Coverage
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.
| J.D. Power (out of 1,000) | 856 |
|---|---|
| A.M. Best - Financial Strength Rating | A |
| BBB | A+ |
| NAIC Complaint Index | 0.47 |
Auto-Owners: Best for Customer Support
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.
| J.D. Power (out of 1,000) | 874 |
|---|---|
| A.M. Best - Financial Strength Rating | A++ |
| BBB | A+ |
American Family: Best for Personalized Coverage
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.
| J.D. Power (out of 1,000) | 842 |
|---|---|
| A.M. Best - Financial Strength Rating | A+ |
| BBB | A+ |
| NAIC Complaint Index | 0.25 |
Nationwide: Best for Homeowners Insurance Discounts
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.
| J.D. Power (out of 1,000) | 816 |
|---|---|
| A.M. Best - Financial Strength Rating | A+ |
| BBB | A+ |
| NAIC Complaint Index | 0.88 |
| Company | PropertyNest Rating | J.D. Power (out of 1,000) | A.M Best Rating | BBB Rating |
|---|---|---|---|---|
| Allstate | 5.0 | 815 | A+ | A- |
| USAA | 5.0 | 884 | A++ | A+ |
| Lemonade | 4.5 | 870* | Not Rated | B+ |
| American Family | 4.5 | 842 | A | A |
| Erie Insurance | 4.5 | 827 | A+ | A+ |
| Farmers | 4.5 | 839* | A | A- |
| Liberty Mutual | 4.5 | 805 | A | A+ |
| State Farm | 4.5 | 829 | A++ | A+ |
| Chubb | 4.5 | 809 | A++ | D- |
| Hartford | 4.5 | 839 | A+ | A+ |
| MetLife | 4.5 | 904* | A+ | D- |
| Nationwide | 4.0 | 816 | A+ | A+ |
| Progressive | 4.0 | 819* | A+ | Not Rated |
| Amica | 4.0 | 849 | A+ | A+ |
| Travelers | 4.0 | 794 | A++ | A |
| GEICO | 4.0 | 869* | 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
