Best Home Insurance Rates In Kansas

On average, your neighbors pay $119 a month.

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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.

Kansas Average Annual Homeowners Insurance Rates
  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.

Kansas average homeowners insurance rates

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.

  1. American Family
  2. Farmers
  3. Allstate
  4. Progressive
  5. AAA
  6. GEICO
  7. Liberty Mutual
  8. USAA
  9. Travelers
  10. Nationwide
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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:

  1. Amica: Best Overall
  2. MetLife: Best for Bundling
  3. Allstate: Best for Local Agents
  4. Hartford: Best for Seniors
  5. State Farm: Best for Pet Owners
  6. Travelers: Best for Flexible Policies
  7. Nationwide: Best Replacement Coverage
  8. Farmers: Best for Eco-Friendly Homes
  9. Liberty Mutual: Best for Quick and Easy Quotes
  10. Auto Owners Insurance: Best Claims Experience
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Top Kansas Home Insurance Company Market Share

Source: National Association of Insurance Commissioners
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%
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Kansas Home Insurance Rate Factors

There are several factors that insurance companies use to determine your home insurance prices. Some factors, like your credit score, are unique to you and your home. Others, like weather risks, affect all KS residents.

Your Personal Rate Factors

Your House

Your insurance rates depend first and foremost on your home’s unique qualities. These are the main factors that affect your premiums:

  • Your home’s age. Old homes cost more to insure. It’s that simple. That’s no surprise considering that as a home gets older, the chances of major repairs increase. Major repairs often mean hefty insurance claims. Many Kansas homes are old, as 7 percent were built in 1939 or earlier.
  • The quality of your roof. The secret to lowering home insurance costs is a well-maintained roof with region-appropriate material. Your roof can be the difference between major and minor repairs after a storm or disaster. That’s why insurance companies care quite a bit about roof age and quality. Do your part to maintain your roof, and your rates will reflect it. In KS, for example, keep gutters clear to limit the chances of flooding.
  • Your home’s replacement cost. This is the dollar amount it will take to build your home from the ground up. This cost should match your dwelling/structure coverage amount, which is a crucial part of a homeowners policy. Replacement cost isn’t related to how much you bought your home for, but instead the style and size of your home. For example, a home worth $150,000 in Wichita could have a higher replacement cost than a home worth $250,000 in Overland Park.

Claims History

Insurance companies also base your rates off previous claims on your record. If you’ve recently filed a claim, expect to pay more for insurance. Claims stay on your record for five to seven years. If you file more than one claim during that stretch, expect your rates to increase quite a bit. In fact, filing multiple claims in a few years is an easy way to get your coverage cancelled. That’s why homeowners avoid filing any unnecessary claims.

Pets

If you own an exotic pet or a specific dog breed, your homeowners insurance may cost more. You may even have a hard time finding a company to cover your home in the first place. According to the AVMA, 61 percent of KS residents are pet owners, the 15th highest rate in the country.

Credit Score

Your credit score is another factor that influences your rates. It’s controversial, but insurance companies look at your credit score to price your policy. People with a bad credit score pay more for homeowners insurance. KS has the 27th best credit score in the nation.

Kansas Rate Factors

Weather

The higher the risk of natural disasters in your area, the higher your premiums are. Kansas is the 24th most natural disaster-prone state in the country. Tornadoes are a common natural disaster in the state, but climate varies depending on where in the state you live. For example, if you live near a river, prepare your home for flooding. No matter where in the Sunflower State you live, you could encounter one of these natural disasters:

  • Tornadoes
  • Floods
  • Earthquakes
  • Winter Storms

Floods are always a possibility in your state, and home insurance doesn’t cover flood damage. Make sure to purchase flood insurance. According to the Kansas Department of Health and Environment, there are steps you can take to limit damage from a natural disaster.

Property Crime

Burglary is a serious crime and a risk for your safety and belongings. It can also cause your insurance prices to rise. Areas with a high property crime rate pay more for homeowners insurance. KS has the 16th highest property crime rate in the nation. In 2017, your state’s average property crime rate was 2,800.9 per 100,000 people.

Property crime rates vary depending on where in Kansas you live. For example, Wichita has an average of 55.62 property crimes per year per 1,000 residents. Lawrence, on the other hand, has a yearly average of 27.49 property crimes per 1,000 residents.

There are steps you can take to minimize the risk of a burglary occurring at your home. These include: alarms, deadbolt locks, security cameras, and more.

Types of Home Insurance Policies

As a homeowner, you have plenty of policy options to choose from when shopping for home insurance. In KS, you can choose from these insurance types:

  • HO-1: This policy covers normal damages. It is the most basic insurance policy.
  • HO-2: This is a broad homeowners insurance policy. HO-2 covers everything in HO-1, plus falling objects and damages to AC units, pipes, and other home systems.
  • HO-3: This is the most popular homeowners policy type. HO-3 covers all damages unless specifically excluded. It also covers unattached structures.
  • HO-5: This is a comprehensive policy like HO-3, but it comes with more coverage and less property claim limitations. HO-5 is considered a premium policy.
  • HO-6: This policy offers similar coverage as HO-3, but for condo owners. It covers possessions and provides liability for condo owners.
  • HO-7: If you own a mobile home, this is probably the best policy for you. This policy offers similar coverage as HO-3, but for mobile homeowners.
  • HO-8: If you own an old home, you may need a policy to cover its unique needs. This policy is like HO-3, but specifically for older homes.

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:

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