Compare Homeowners Insurance In Kansas
The Sunflower State's given America some legends including Amelia Earhart, President Dwight Eisenhower, and Clark Kent, better known as Superman. But the homeowners insurance risks in Kansas could be kryptonite if you’re unaware of them when shopping for insurance.
Average Kansas Homeowners Insurance Rates
How much is home insurance in Kansas? Kansas has high homeowners insurance premiums compared to the rest of the US. The average cost of homeowners insurance in the state of Kansas was $1,531, significantly higher than the national average of $1,173. Only six states have higher average home insurance rates than Kansas.
| 2013 | 2014 | 2015 | |
|---|---|---|---|
| Kansas Annual Average | $1,343 | $1,431 | $1,531 |
| Kansas Price Per Month | $112 | $119 | $127 |
| US Annual Average | $1,096 | $1,132 | $1,173 |
| US Cost Per Month | $91 | $94 | $98 |
| National Rank | 6 | 6 | 5 |
| Source: Facts + Statistics: Homeowners insurance | |||
The graph below shows the change in average Kansas home insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Kansas homeowners insurance rates increased from $1,103 in 2011 to $1,531 in 2015, a jump of $428 dollars, or 38.80 percent.
Choosing a homeowners insurance company in Kansas should be easier. Actually, it’s already easy. The key to finding the best rates is to get a homeowners insurance quotes comparison in Kansas from multiple companies.
Most Popular 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.
- American Family
- Farmers
- Allstate
- Progressive
- AAA
- GEICO
- Liberty Mutual
- USAA
- Travelers
- Nationwide
Best Homeowners Insurance Companies in Kansas
The above list shows the most popular home insurers in Kansas according to our users. But popular doesn’t always mean best.
Our study on the Best Homeowners Insurance Companies focuses on top of the line companies. In no particular order, these companies stand out among the rest:
- Amica: Best Overall
- MetLife: Best for Bundling
- Allstate: Best for Local Agents
- Hartford: Best for Seniors
- State Farm: Best for Pet Owners
- Travelers: Best for Flexible Policies
- Nationwide: Best Replacement Coverage
- Farmers: Best for Eco-Friendly Homes
- Liberty Mutual: Best for Quick and Easy Quotes
- Auto Owners Insurance: Best Claims Experience
Top Kansas Home Insurance Company Market Share
| Rank | Company | Financial Rating | Market Share |
|---|---|---|---|
| 1 | Iowa Farm Bureau | A | 7.1% |
| 2 | American Family Insurance | A | 6.5% |
| 3 | Travelers Companies | A++ | 4.4% |
| 4 | Nationwide Mutual Insurance | A+ | 4.4% |
| 5 | Farmers Mutual Insurance | A | 4.3% |
| 6 | Liberty Mutual | A | 3.8% |
| 7 | Wells Fargo Insurance | A+ | 3.7% |
| 8 | Ace American Insurance | A++ | 3.0% |
| 9 | Progressive | A+ | 2.8% |
Kansas 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. That's 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. That's 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. In Kansas, there are 44.1 law enforcement personnel per 100,000 total citizens. That's 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: Summers in Kansas are very hot and very humid. 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. This can lead to power outages. If it’s been a dry spring or summer the heat 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. Elkhart gets about 18 inches.
Heavy spring rains with lightning can pose a serious safety hazard. Some 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. The National Weather Service ranked Kansas as the #5 most tornado-prone state in 2012.
Kansas Insurance Department
- Website:
- Homepage
- Insurance Commissioner:
- Ken Selzer, CPA
- Insurance Hotline:
- (800) 432 - 2484
- Office Hours:
- Monday - Friday
8:00 am to 5:00 pm
- File a Consumer Insurance Complaint
- Complaint Page
Sources:
- A.M. Best Insurance Carrier Ratings
- NAIC--Home Insurance Market Share in Kansas
- Average Home Insurance Rates in Kansas
- Average Home Listing Price in Kansas
- Most Tornado-Prone States
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