Kansas Homeowners Insurance

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

How to find inexpensive home insurance in Kansas


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners policy defends your dwelling and property in the event of a variety of circumstances, such as fire, theft, vandalism, or wind damage.

Gulfs exist in home insurance costs from state to state. Home insurance rates in a given state differ depending on the number and value of homeowners claims made in the state, and depend on the value of the belongings and home insured on the policy.

The best way to get an affordable homeowners insurance policy in Kansas is to compare rates from multiple companies. Learn average home insurance rates in Kansas by referencing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Kansas home insurance:
  1. Homeowners rates by company
  2. By city
  3. Insurance bundling discounts


Homeowners insurance prices in Kansas by carrier

Homeowners insurance rates in Kansas will vary based on the insurance company you select. Shelter underwrites the most affordable homeowners insurance in Kansas, at just $2,537 yearly. This compares favorably to the state mean rate of $3,535, offering a $998 price break on average statewide homeowners insurance costs.

Get a head start on looking for a home insurance policy by reviewing the cheapest Kansas companies, listed below.


HOME INSURANCE RATES IN KANSAS: BY COMPANY
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 by city

Not all Kansas cities have equal homeowners insurance rates. Home insurance prices can vary based on city-specific variables, including the number of local claims filed, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners insurance in Kansas is found in Gardner. An average homeowners insurance policy in Gardner costs just $2,740 annually — $795 less than the state average. Reference the below table to see the cheapest cities in Kansas for home insurance.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN KANSAS
CityAverage Annual Home Insurance Rate
Gardner$2,739.79
Olathe$2,779.97
Shawnee$2,783.37
Leawood$2,784.66
Lenexa$2,789.33


How to bundle home and auto insurance in Kansas

If you’re seeking ways to save on your insurance expenditures, consider purchasing both your home and auto insurance policies from one company. Bundling auto and home insurance in Kansas can lead to substantial savings on your auto insurance policy. In fact, bundling policies in Kansas leads to a yearly savings of $155.


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


One of the best ways to save on auto insurance is bundling. Start shopping today!


Compare rates from top car insurance companies.

Location pin icon

 

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.

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