Kansas Homeowners Insurance Guide

Homeowners insurance shouldn't be confusing. Compare rates from Kansas by location and carrier below.

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How to find affordable home insurance in Kansas

Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners insurance policy protects your home and your items from an array of calamities, including theft, fire, vandalism, or wind damage.

Unlike car insurance, home insurance isn't priced based on state laws. Even so, major discrepancies exist in home insurance costs on a state-by-state basis. Homeowners insurance rates by state may differ depending on the value of — and frequency of — home policy claims lodged statewide, and also on the value of the belongings and home insured on the policy.

The easiest way to get a cheap homeowners insurance policy in Kansas is to view prices from as many insurers as possible. Find out average home insurance rates in Kansas by reviewing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.

 

Kansas home insurance:
  1. Rates by company
  2. By city
  3. Insurance bundling discounts
  4. FAQs

 

Home insurance rates in Kansas by company

Rates for home insurance in Kansas can vary depending on which insurance company you select. Shelter offers the cheapest home insurance in Kansas, at just $2,537 annually. This compares favorably to the state's average price of $3,535, providing a $998 price cut on the state's average rate.

Begin the hunt for affordable coverage by reviewing the cheapest Kansas insurance companies, listed below.

 

CHEAPEST HOME INSURANCE COMPANIES IN KANSAS
Insurance CompanyAverage Yearly Rate in Kansas
Shelter$2,537.39
Marysville Mutual$2,641.92
State Farm$2,649.72
Travelers$2,726.20
Safeco$2,964.06

 

Kansas home insurance prices by city

Home insurance rates in Kansas vary depending on the city. Rates depend on local variables such as the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The most affordable home insurance rates in Kansas are in Gardner. The average home insurance policy in Gardner costs $2,740 per year — $795 less than the state average. The below cities have the most affordable homeowners insurance in Kansas.

 

AFFORDABLE CITIES FOR HOME INSURANCE IN KANSAS
CityAverage 12-Month Home Insurance Rate
Gardner$2,739.79
Olathe$2,779.97
Shawnee$2,783.37
Leawood$2,784.66
Lenexa$2,789.33

 

Save by bundling home and auto insurance in Kansas

To trim a few dollars from your insurance costs, consider purchasing both your car and home insurance policies from one company. Bundling auto and homeowners insurance in Kansas can lead to substantial savings on car insurance. Purchasing bundled policies in Kansas leads to average annual savings of $155.

 

HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN KANSAS
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,441.00$1,286.00$155.0012%

 

Seeking info on insurance in a specific city?

 

Kansas home insurance FAQs

Does Kansas require homeowners insurance?

State law doesn't require you to carry homeowners insurance. However, your mortgage lender may.

Does GEICO insure homes in Kansas?

Yes. GEICO insures homes in Kansas.

 

Does homeowners insurance cover tornadoes in Kansas?

A tornado can hit with very little advance warning. There is little that can be done to prepare and the outcomes are usually devastating. Therefore, it's vital to protect your home against tornado damage in Kansas, which averages 92 tornado events per year.*

Tornado damage is usually the result of wind, so verify your current homeowners policy has windstorm coverage, a standard feature of any average homeowners policy.

The exterior and overall structure of the building are covered by wind protection. However, depending on the type of policy you have, interior damage may only be covered when it occurs as caused by exterior damage, like a window breaking. Also covered are detached structures, typically about 10% of the amount at which the home is insured. Please note that other damages the storm causes may not be covered by insurance. For instance, if your home is damaged from flooding that occurs from the same storm that produces the tornado, your home won't be covered unless you've specifically purchased flood insurance.

*Source: NOAA's National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)


Homeowners insurance and hail in Kansas

Depending on your location, hail could be a common complement to summer storms and can lead to varying levels of damage to property. In Kansas, homeowners policies typically include hail coverage to cover the structure of your dwelling if it is damaged by hail.

If you live in an area that is very vulnerable to hailstorms — such as Kansas, which suffered 493 incidents of hail in 2018* — it's smart to verify the details of your insurance policy to see exactly what's covered and what's not — some insurers will designate more expensive deductibles in states vulnerable to hail and make exclusions for cosmetic damage, so if your home is battered but still functional even with aesthetic flaws following a hailstorm, your insurance company will likely not cover the expenses for its repair.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hail)

 

Earthquake insurance in Kansas

Kansas encounters an average of 17 earthquakes annually, which means that Kansas residents should consider adding earthquake insurance.* However, such protection is not a regular feature in home insurance policies. Earthquake coverage is obtained as an added endorsement to your homeowners policy and protects you against damage from seismic events.

In addition to the initial earthquake, aftershocks are another serious concern. An aftershock can be quite powerful, and can cause damage for days after the initial event. Luckily, having this coverage means that you pay a single deductible for damage resulting from the initial earthquake as well as any aftershocks within a 72-hour period.

For those who live in regions known for earthquakes, you can expect your homeowners insurance rates to be more expensive. This is especially true in areas with the highest probability of a quake. Most standard insurance companies do not offer earthquake coverage, but there are some coverage choices for those who live in states where earthquakes are a real threat. Companies in Kansas may offer endorsements to cover earthquake damage. Bear in mind, earthquake insurance deductibles tend to be more costly than standard homeowners insurance deductibles.

Have a look at the best options for earthquake coverage in Kansas listed below. These figures should be treated as estimates — consult one of the companies for rates specific to your property.

 

CHEAP HOMEOWNERS EARTHQUAKE COVERAGE IN KANSAS
InsurerAverage Yearly Earthquake Insurance Rate
Shelter$1,739
State Farm$1,881
Marysville Mutual$1,897
Travelers$1,978
Nationwide$2,001

 

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)