Compare Homeowners Insurance Quotes In Kansas

On average, your neighbors pay $119 a month.

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Best Home Insurance Rates In Kansas

The Sunflower State has given America some legends, both real and fictional, including Amelia Earhart, President Dwight Eisenhower, and Clark Kent, better known as Superman. But the homeowners insurance risks in the 34th state could be kryptonite if you’re unaware of them when shopping for insurance.

Average Kansas Homeowners Insurance Rates

Kansas has high average home insurance premiums. According to the most recent available data from the Insurance Information Institute, in 2014, the average cost of homeowners insurance in the state of Kansas was $1,431, significantly higher than the national average of $1,132. Only five states have higher average home insurance rates than Kansas.

Kansas Average Annual Homeowners Insurance Rates
  2012 2013 2014
Kansas Annual Average $1,213 $1,343 $1,431
Kansas Price Per Month $101 $112 $119
US Annual Average $1,034 $1,096 $1,132
US Cost Per Month $86 $91 $94
National Rank 8 6 6
Source: http://www.iii.org/fact-statistic/homeowners-and-renters-insurance

Choosing a homeowners insurance company in Kansas should be easier. Actually, it’s already easy; you could just go with whichever company your mortgage lender recommends, but you probably won’t get the best rates that way. The key to finding the best rates is to get a homeowners insurance quotes comparison in Kansas from multiple companies.

Best Kansas Home Insurance Companies

Last year, these were the most common home insurance companies reported by QuoteWizard users living in the state of Kansas. Out of the 7,391 Kansas homeowners that used QuoteWizard to request insurance quotes last year, 378 had no home insurance.

  1. American Family
  2. Farmers
  3. Allstate Insurance
  4. Progressive Casualty
  5. AAA Insurance Co.
  6. Geico
  7. Liberty Mutual
  8. USAA
  9. Travelers Insurance
  10. Nationwide
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Why contact every individual company in Kansas that you want a homeowners quote from when you can just answer a few questions about your home and desired coverage, and get competing quotes from agents? Save time and money with QuoteWizard.

Top 10 Kansas Home Insurance Company Market Share

Source: National Association of Insurance Commissioners
Rank Company Direct Premiums Written (in thousands) Market Share
1 Iowa Farm Bureau Group $422,221 7.1%
2 American Family Insurance Group $387,825 6.5%
3 Travelers Companies Inc. $262,752 4.4%
4 Nationwide Mutual Insurance Co. $261,850 4.4%
5 Farmers Mutual Insurance Group $256,739 4.3%
6 Liberty Mutual $227,949 3.8%
7 Wells Fargo Insurance Group $219,035 3.7%
8 Ace American Insurance Co. $177,739 3.0%
9 Progressive Group $168,182 2.8%
*Represents both home and auto insurance

Financial Strength Ratings of Top Kansas Home Insurers

Source: A.M. Best (Ratings as of 8/24/2015)

  • Iowa Farm Bureau Group: A
  • American Family Insurance Group: A
  • Travelers Companies Inc.: A++
  • Nationwide Mutual Insurance Co.: A+
  • Farmers Mutual Insurance Group: A
  • Liberty Mutual: A
  • Wells Fargo Insurance Group: A+
  • Ace American Insurance Co.: A++
  • Progressive Group: A+
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Rating Guide

Home Insurance Rate Factors

Many different factors come into play when insurance companies calculate the cost of homeowners insurance. Some, like the age of your home, are within your control. Others, like crime rates or natural disasters, are beyond your control. Here are some of the factors that affect the cost of homeowners insurance in Kansas.

Average Home Listing Prices

Home prices can greatly affect the cost of insurance in any given state. A higher average home price usually means higher premiums in that state. For Kansas, the average listing price is $172,071 as of July 2015, much lower than the national average of $284,748.

Average Burglary Rates

Burglary is a serious and sometimes violent property crime. States with higher average burglary rates generally have higher average home insurance premiums, because the likelihood that someone will need to file a claim is higher. According to data from the FBI Uniform Crime Report, in 2013, Kansas’ average burglary rate was 600.4 per 100,000 people, which is almost exactly the same as the national average of 610.0 per 100,000.

States with more law enforcement per capita tend to be safer than states with fewer policemen and women. In Kansas, there are 44.1 law enforcement personnel per 100,000 total citizens, which is a bit higher than the national median of 32 per 100,000.

Home Insurance Hazards

Kansas, like much of the Midwest, is known for extreme weather. This includes hot and humid summers, freezing cold winters, and severe thunderstorms in the spring—all of which constitute homeowners insurance risks.

Hot, humid summers: Other than certain regions in the western part of the state, summers in Kansas are very hot and very humid, with temperatures averaging about 90 degrees and around 80% humidity. Summer temperatures are very uniform. August, the hottest month, sees average high temperatures of 90 degrees across the board, but humidity is much more variable. For example, Topeka, in eastern Kansas, has August humidity levels around 71%. To contrast, Goodland, on the opposite end of the state, only has about 60% humidity. These prolonged periods of abnormally high heat can be especially harmful as people turn up the air conditioning, which can lead to power outages, and if it’s been a dry spring or summer can cause wildfires.

Thunderstorms:  Kansas is prone to thunderstorms, especially in the spring and early summer. The mostly flat terrain allows these destructive storms to spread quickly, but western and southern parts of the state receive much less rain than the rest of the state. In east and central Kansas, annual precipitation averages are much higher: about 42 inches in Olathe compared with about 18 inches in Elkhart.

Heavy spring rains with lightning can pose a serious safety hazard, and can become supercell storms, unleashing hail, wildfire, flash floods, and tornadoes. Floods are extremely dangerous, and occur every few years. It is important to note that the only way to obtain flood insurance is through the National Flood Insurance Program. Learn more about the NFIP here.

Tornadoes:  Kansas gained a reputation for twisters before The Wizard of Oz. For example, the 1955 Great Plains Tornado outbreak caused 46 tornadoes within two days, causing over 100 deaths. Tornadoes are the most damaging kind of storm. With winds over 200 MPH they can do tremendous damage. They are often accompanied by other storms, usually thunderstorms, they can bring about heavy rain, strong winds, lightning, hail, and even floods. According to the National Oceanic and Atmospheric Administration, Kansas averages 36 tornadoes per year, and the National Weather Service ranked Kansas as the #5 most tornado-prone state in 2012.

Kansas Office of the Insurance Commissioner

Website:
Homepage
Insurance Commissioner:
Ken Selzer, CPA
Insurance Hotline:
(800) 432 - 2484
Office Hours:
Monday - Friday
9:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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