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Kansas homeowners insurance: what you need to know

The average cost of homeowners insurance in Kansas is $3,535 per month or $295 per month. This is significantly more than the national average.  While homeowners insurance isn't required, it is important to have and well worth the cost. 

Unlike car insurance, homeowners insurance isn't controlled by state legislation. Even so, major differences exist in home insurance rates from state to state depending on the number and value of home policy claims lodged in that particular state and the value of the belongings and home insured on the policy.

The easiest way to get an affordable homeowners insurance policy in Kansas is to compare rates from as many insurance companies as possible. Learn more about typical homeowners insurance rates in Kansas by reviewing the below data. Your rates may vary, depending on your coverage limits.

 

Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage

 

The cheapest home insurance companies in Kansas

Rates for home insurance in Kansas differ depending on which insurance company you choose. Shelter provides the most affordable home insurance policies in Kansas — just $2,537 per year. This compares favorably to the state's average cost of $3,535, offering a $998 price cut on the typical rates in the state.

Start looking for home insurance by checking out the cheapest Kansas insurance companies, detailed below.

 

AFFORDABLE HOME INSURERS IN KANSAS
Insurance CompanyAverage Yearly Rate in Kansas
Shelter$2,537
Marysville Mutual$2,642
State Farm$2,650
Travelers$2,726
Safeco$2,964

 

Kansas home insurance prices by coverage levels

Your chosen amount of homeowners coverage has an impact on the insurance premiums you pay . In Kansas, carrying $100K dwelling coverage costs an average of $1,787 per year, while carrying additional coverage up to $400K costs $4,517/year.

 

POPULAR COVERAGE LIMITS IN KANSAS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$1,787
$200,000 Dwelling$2,600
$250,000 Dwelling$3,139
$400,000 Dwelling$4,517

 

Homeowners insurance deductibles in Kansas

Among the many decisions homeowners face when purchasing an insurance policy is how high or low to set the deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. The deductible that you choose can change how much you pay in insurance premiums.

When deciding on a deductible, bear in mind that the higher your deductible is, the lower your insurance rates will be. Therefore, if you need your home insurance rates to be lower, it pays to keep your deductible higher. It's worth mentioning that your deductible should only be as high as you can reasonably pay in the event of a loss.

Have a look at may of the standard deductibles offered by insurers and an estimate of average insurance costs.

 

HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN KANSAS
Deductible TierAverage Annual Homeowners Insurance Rate
$500$3,374
$1,000$3,139
$1,500$2,941
$2,000$2,833
$5,000$2,449

 

Kansas homeowners insurance costs by city

Not all Kansas cities have the same home insurance rates. Rates depend on city-specific variables, including the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.

The most affordable home insurance rates in Kansas are available in Gardner. An average homeowners insurance policy in Gardner costs just $2,740 per year — $795 less than the statewide average. Reference the below table to see the cheapest cities in Kansas for home insurance.

 

CHEAPEST CITIES FOR HOMEOWNERS INSURANCE IN KANSAS
CityAverage 12-Month Home Insurance Rate
Gardner$2,740
Olathe$2,780
Shawnee$2,783
Leawood$2,785
Lenexa$2,789

 

Looking for info on homeowners insurance in a specific city? Check out our data-driven analysis of the following Kansas cities:

  1. Wichita

 

Home and auto insurance bundling in Kansas

If you want to save, consider purchasing both your car and home insurance policies from one company. A home and car insurance bundle in Kansas can save you a substantial sum each month on your auto insurance bill. Bundling home and auto policies in Kansas leads to a yearly discount of $155.

 

HOME AND AUTO BUNDLING DISCOUNTS IN KANSAS

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,441$1,286$15512%

 


 

Kansas homeowners insurance FAQs

 

Does Kansas require homeowners insurance?

Your state won't require you to carry homeowners insurance. However, your mortgage will.

Does GEICO insure homes in Kansas?

Currently, GEICO does insure homes in Kansas.

 


 

Natural disaster coverage 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


Does homeowners insurance cover 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

 

Does homeowners insurance cover earthquakes 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.

*Source: United States Geological Survey

 

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

 

Does homeowners insurance cover flooding in Kansas?

Flood damage, including that resulting from natural disasters, is not covered by homeowners insurance policies. To insure your home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer. 

Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:

  • $250,000 for your home’s structure
  • $100,000 for your personal property

If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.

Find an affordable homeowners policy in Kansas today!

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.