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Are you looking to get the best home insurance policy in Kansas? We have analyzed all the major insurance companies to guide you in finding the best homeowners insurance in Kansas.
Key Takeaways
- Kansas homeowners insurance costs $2,785 annually.
- Insurers offer home insurance policies in the state starting at $2,549 annually.
- The state frequently experiences tornadoes. So ensure to buy coverage to cover tornado damage.
Kansas homeowners insurance: What you need to know
On average, home insurance in Kansas costs around $2,785 yearly. The rate is higher than the national average rate.
With nearly 100 tornadoes per year, Kansas is one of the states affected by tornadoes in the country. With thunderstorms and flooding happening often, it’s critical for residents of high-risk flood zones to have a solid home insurance policy and extra flood coverage. With insurance rates higher than the national average, finding an affordable policy won’t be easy.
But our review will help you find cheap homeowners insurance in Kansas!
What does a homeowners insurance policy cover?
Dwelling, Medical Payments to Others, Liability, Other Structures, Personal Property, and Additional Living Expenses are the typical coverages that a home insurance policy offer. Also, you can buy these coverages in the state.
- Flood insurance: Floods are especially dangerous in the southeastern part of Kansas. A homeowners insurance policy does not cover damage brought on by floods. So you must buy a separate flood insurance policy.
- Water backup coverage: Water can back up in your crawlspace, basement, or any other home area due to heavy rains and blocked drain lines. Water backup coverage is required to cover the damage.
- Wind coverage: Due to its closeness to the New Madrid fault, the southern portion of Kansas is more vulnerable to earthquakes. You may be able to add earthquake damage via endorsement, as it is typically not automatically covered by a home insurance policy. You could require earthquake insurance coverage if you live in an area prone to earthquakes.
- Roof replacement cost: Identity theft is rising as people depend more on digital technologies. This coverage pays for the price of recovering your stolen identity.
What isn't covered by a typical homeowners insurance policy?
A home insurance policy doesn’t cover flooding, nuclear threats, insect and vermin infestations, earthquakes, power outages, war, wear and tear, sinkholes, or intentional loss. Before buying, you must check the policy thoroughly to ensure the coverages you receive.
The cheapest home insurance companies in Kansas
Shelter offers the state’s most affordable home insurance policy, with an average annual rate of $2,549. You must compare the quotes from all insurers if you’re looking for an even cheaper policy.
| Insurer | Average annual rate |
|---|---|
| Shelter | $2,549 |
| Marysville Mutual | $2,654 |
| State Farm | $2,662 |
| Travelers | $2,738 |
| Safeco | $3,006 |
The best homeowners insurance in Kansas for those with poor credit
Your insurer may charge you higher home insurance rates if you have a poor credit score. American Family has the most affordable home insurance rates in Kansas for a homeowner with bad credit, with an average yearly premium of $3,742.
| Insurer | Average annual rate |
|---|---|
| American Family | $3,742 |
| Allstate | $4,022 |
| Farmers | $5,119 |
| Farm Bureau Insurance | $5,680 |
| State Farm | $6,377 |
The best homeowners insurance in Kansas for pool owners
Because of the increased risk of injury and liability claims, your insurer may charge you higher rates if you have a swimming pool on your property. American Family has the Kansas home insurance rates for homes with a swimming pool, with an average yearly premium of $2,589.
| Insurer | Average annual rate |
|---|---|
| American Family | $2,589 |
| Farmers | $2,622 |
| Allstate | $3,154 |
| State Farm | $3,716 |
| Farm Bureau Insurance | $3,932 |
The best homeowners insurance in Kansas for dog owners
Insurers will charge you higher premiums if you own a dog that they consider ‘dangerous’ or ‘aggressive.’ American Family offers the most affordable home insurance rates in Kansas for a house with a dangerous dog breed, with an average yearly premium of $2,589.
| Insurer | Average annual rate |
|---|---|
| American Family | $2,589 |
| Farmers | $2,622 |
| Allstate | $3,154 |
| State Farm | $3,716 |
| Farm Bureau Insurance | $3,932 |
Homeowners insurance deductibles in Kansas
One of the many choices homeowners must make when buying an insurance policy is the level of deductible they must set. They must contribute a certain amount toward a covered loss, known as the deductible. The deductible you select could affect the cost of your insurance premiums. When choosing a deductible, remember that your insurance rates will be lower the higher your deductible is. These are some common deductibles in Kansas.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $3,386 |
| $1,000 | $3,151 |
| $1,500 | $2,953 |
| $2,000 | $2,845 |
| $5,000 | $2,461 |
Kansas home insurance prices by coverage levels
The level of coverage you select impacts the insurance premiums you pay. The average cost of carrying $100K in dwelling coverage in Kansas is $1,799 annually. But carrying an additional $400K in coverage comes to around $4,529 yearly.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,799 |
| $200,000 | $2,612 |
| $250,000 | $3,151 |
| $400,000 | $4,529 |
Kansas homeowners insurance costs by city
Home insurance premiums vary throughout Kansas cities. Rates depend on city-specific factors, like the volume of neighboring homeowners claims. So the cost will vary depending on your ZIP code. Factors like the theft rate in your area can also affect the cost of homeowners insurance in Kansas. These are the Kansas home insurance rates in various cities.
| City | Average annual rate |
|---|---|
| Abbeville | $1,052 |
| Aberdeen | $1,097 |
| Ackerman | $1,097 |
| Alcorn State University | $1,282 |
| Algoma | $1,326 |
| Alligator | $1,258 |
| Amory | $1,114 |
| Anguilla | $1,246 |
| Arcola | $1,232 |
| Arkabutla | $1,319 |
| Arnold Line | $1,385 |
| Artesia | $1,023 |
| Ashland | $1,155 |
| Avon | $1,266 |
| Bailey | $1,096 |
| Baldwyn | $1,101 |
| Banner | $1,161 |
| Bassfield | $1,276 |
| Batesville | $1,072 |
| Bay Springs | $1,211 |
| Bay St. Louis | $1,974 |
| Beaumont | $1,447 |
| Becker | $1,329 |
| Beechwood | $1,205 |
| Belden | $1,073 |
| Bellefontaine | $1,178 |
| Belmont | $1,197 |
| Belzoni | $1,231 |
| Benoit | $1,194 |
| Benton | $1,207 |
| Bentonia | $1,214 |
| Beulah | $1,232 |
| Big Creek | $1,202 |
| Biloxi | $1,891 |
| Blue Mountain | $1,180 |
| Blue Springs | $1,045 |
| Bogue Chitto | $1,262 |
| Bolton | $1,259 |
| Booneville | $1,197 |
| Boyle | $1,219 |
| Brandon | $1,119 |
| Braxton | $1,260 |
| Brookhaven | $1,297 |
| Brooklyn | $1,514 |
| Brooksville | $1,064 |
| Bruce | $1,165 |
| Buckatunna | $1,275 |
| Bude | $1,297 |
| Burnsville | $1,191 |
| Byhalia | $1,134 |
| Byram | $1,265 |
| Caledonia | $1,065 |
| Calhoun City | $1,184 |
| Camden | $1,131 |
| Canton | $1,124 |
| Carriere | $1,196 |
| Carrollton | $1,181 |
| Carson | $1,250 |
| Carthage | $1,162 |
| Cary | $1,209 |
| Cascilla | $1,160 |
| Cedarbluff | $1,128 |
| Centreville | $1,280 |
| Charleston | $1,163 |
| Chatawa | $1,247 |
| Chatham | $1,261 |
| Chunky | $1,148 |
| Clara | $1,461 |
| Clarksdale | $1,212 |
| Cleveland | $1,212 |
| Clinton | $1,273 |
| Cloverdale | $1,260 |
| Coahoma | $1,203 |
| Coffeeville | $1,134 |
| Coila | $1,178 |
| Coldwater | $1,094 |
| Collins | $1,244 |
| Collinsville | $1,103 |
| Columbia | $1,345 |
| Columbus | $1,068 |
| Columbus Air Force Base | $1,029 |
| Como | $1,048 |
| Conehatta | $1,181 |
| Corinth | $1,150 |
| Courtland | $1,046 |
| Crawford | $1,051 |
| Crenshaw | $1,099 |
| Crosby | $1,258 |
| Crowder | $1,204 |
| Cruger | $1,164 |
| Crystal Springs | $1,273 |
| D'Iberville | $1,567 |
| D'Lo | $1,232 |
| Daleville | $1,102 |
| Darling | $1,209 |
| De Kalb | $1,112 |
| Decatur | $1,143 |
| DeLisle | $1,903 |
| Delta City | $1,273 |
| Dennis | $1,211 |
| Derma | $1,175 |
| Diamondhead | $1,627 |
| Doddsville | $1,238 |
| Drew | $1,172 |
| Dublin | $1,217 |
| Duck Hill | $1,173 |
| Dumas | $1,174 |
| Duncan | $1,258 |
| Dundee | $1,184 |
| Durant | $1,182 |
| Eastabuchie | $1,311 |
| Ecru | $1,124 |
| Edwards | $1,278 |
| Elliott | $1,408 |
| Ellisville | $1,313 |
| Enid | $1,163 |
| Enterprise | $1,192 |
| Escatawpa | $1,440 |
| Ethel | $1,152 |
| Etta | $1,055 |
| Eupora | $1,152 |
| Falkner | $1,133 |
| Farmington | $1,155 |
| Farrell | $1,268 |
| Fayette | $1,241 |
| Fernwood | $1,232 |
| Flora | $1,153 |
| Florence | $1,172 |
| Flowood | $1,134 |
| Forest | $1,182 |
| Foxworth | $1,405 |
| French Camp | $1,101 |
| Friars Point | $1,193 |
| Fulton | $1,136 |
| Gallman | $1,449 |
| Gattman | $1,090 |
| Gautier | $2,095 |
| Georgetown | $1,275 |
| Glen | $1,171 |
| Glen Allan | $1,214 |
| Glendora | $1,199 |
| Gloster | $1,274 |
| Golden | $1,152 |
| Goodman | $1,197 |
| Gore Springs | $1,225 |
| Grace | $1,199 |
| Greenville | $1,217 |
| Greenwood | $1,231 |
| Greenwood Springs | $1,117 |
| Grenada | $1,169 |
| Gulf Hills | $2,105 |
| Gulf Park Estates | $2,105 |
| Gulfport | $1,863 |
| Gunnison | $1,223 |
| Guntown | $1,075 |
| Hamilton | $1,108 |
| Harperville | $1,355 |
| Harrisville | $1,239 |
| Hattiesburg | $1,381 |
| Hazlehurst | $1,263 |
| Heidelberg | $1,246 |
| Helena | $1,446 |
| Hermanville | $1,304 |
| Hernando | $1,062 |
| Hickory | $1,143 |
| Hickory Flat | $1,193 |
| Hide-A-Way Lake | $1,189 |
| Hillsboro | $1,176 |
| Holcomb | $1,158 |
| Hollandale | $1,214 |
| Holly Bluff | $1,163 |
| Holly Springs | $1,150 |
| Horn Lake | $1,050 |
| Houlka | $1,145 |
| Houston | $1,156 |
| Hurley | $1,765 |
| Independence | $1,319 |
| Indianola | $1,202 |
| Inverness | $1,207 |
| Isola | $1,234 |
| Itta Bena | $1,223 |
| Iuka | $1,164 |
| Jackson | $1,309 |
| Jayess | $1,268 |
| Jonestown | $1,181 |
| Kilmichael | $1,180 |
| Kiln | $1,439 |
| Kokomo | $1,349 |
| Kosciusko | $1,159 |
| Lake | $1,176 |
| Lake Cormorant | $1,051 |
| Lakeshore | $2,063 |
| Lamar | $1,134 |
| Lambert | $1,175 |
| Latimer | $1,407 |
| Lauderdale | $1,101 |
| Laurel | $1,266 |
| Lawrence | $1,175 |
| Leakesville | $1,463 |
| Leland | $1,217 |
| Lena | $1,185 |
| Lexington | $1,217 |
| Liberty | $1,263 |
| Little Rock | $1,107 |
| Long Beach | $2,011 |
| Lorman | $1,267 |
| Louin | $1,222 |
| Louise | $1,256 |
| Louisville | $1,119 |
| Lucedale | $1,258 |
| Ludlow | $1,170 |
| Lula | $1,218 |
| Lumberton | $1,240 |
| Lyman | $1,443 |
| Lynchburg | $1,050 |
| Lyon | $1,193 |
| Maben | $1,113 |
| Macon | $1,114 |
| Madden | $1,138 |
| Madison | $1,114 |
| Magee | $1,254 |
| Magnolia | $1,258 |
| Mantachie | $1,129 |
| Mantee | $1,106 |
| Marietta | $1,127 |
| Marion | $1,109 |
| Marks | $1,179 |
| Mathiston | $1,146 |
| Mayersville | $1,181 |
| Mayhew | $1,289 |
| McAdams | $1,137 |
| McCall Creek | $1,273 |
| McCarley | $1,181 |
| McComb | $1,252 |
| McCool | $1,130 |
| McHenry | $1,148 |
| McLain | $1,461 |
| McNeill | $1,250 |
| Meadville | $1,273 |
| Mendenhall | $1,260 |
| Meridian | $1,125 |
| Merigold | $1,206 |
| Metcalfe | $1,250 |
| Michigan City | $1,155 |
| Midnight | $1,265 |
| Minter City | $1,238 |
| Mississippi State | $1,016 |
| Mississippi Valley State University | $1,242 |
| Mize | $1,212 |
| Monticello | $1,264 |
| Montpelier | $1,330 |
| Mooreville | $1,038 |
| Moorhead | $1,192 |
| Morgan City | $1,236 |
| Morgantown | $1,235 |
| Morton | $1,186 |
| Moselle | $1,308 |
| Moss | $1,405 |
| Moss Point | $1,794 |
| Mound Bayou | $1,177 |
| Mount Olive | $1,250 |
| Mount Pleasant | $1,125 |
| Myrtle | $1,071 |
| Natchez | $1,242 |
| Neely | $1,411 |
| Nellieburg | $1,099 |
| Nesbit | $1,063 |
| Nettleton | $1,131 |
| New Albany | $1,052 |
| New Augusta | $1,394 |
| New Houlka | $1,147 |
| New Site | $1,199 |
| Newhebron | $1,274 |
| Newton | $1,162 |
| Nicholson | $1,146 |
| North Carrollton | $1,181 |
| North Tunica | $1,158 |
| Noxapater | $1,163 |
| Oak Vale | $1,250 |
| Oakland | $1,127 |
| Ocean Springs | $2,101 |
| Okolona | $1,166 |
| Olive Branch | $1,070 |
| Osyka | $1,311 |
| Ovett | $1,325 |
| Oxford | $1,038 |
| Pace | $1,245 |
| Pachuta | $1,192 |
| Panther Burn | $1,273 |
| Parchman | $1,191 |
| Paris | $1,027 |
| Pascagoula | $2,159 |
| Pass Christian | $1,904 |
| Pattison | $1,313 |
| Paulding | $1,211 |
| Pearl | $1,142 |
| Pearl River | $1,142 |
| Pearlington | $1,593 |
| Pelahatchie | $1,120 |
| Perkinston | $1,183 |
| Petal | $1,379 |
| Pheba | $1,064 |
| Philadelphia | $1,143 |
| Philipp | $1,183 |
| Picayune | $1,170 |
| Pickens | $1,206 |
| Piney Woods | $1,158 |
| Pinola | $1,232 |
| Pittsboro | $1,170 |
| Plantersville | $1,069 |
| Pontotoc | $1,133 |
| Pope | $1,072 |
| Poplarville | $1,204 |
| Port Gibson | $1,288 |
| Porterville | $1,127 |
| Potts Camp | $1,144 |
| Prairie | $1,099 |
| Prentiss | $1,240 |
| Preston | $1,170 |
| Puckett | $1,170 |
| Pulaski | $1,219 |
| Purvis | $1,397 |
| Quitman | $1,190 |
| Raleigh | $1,232 |
| Randolph | $1,165 |
| Rawls Springs | $1,372 |
| Raymond | $1,254 |
| Red Banks | $1,120 |
| Redwater | $1,144 |
| Redwood | $1,207 |
| Rena Lara | $1,243 |
| Richland | $1,117 |
| Richton | $1,386 |
| Ridgeland | $1,132 |
| Rienzi | $1,174 |
| Ripley | $1,184 |
| Robinhood | $1,149 |
| Robinsonville | $1,140 |
| Rolling Fork | $1,212 |
| Rome | $1,220 |
| Rose Hill | $1,209 |
| Rosedale | $1,199 |
| Roxie | $1,262 |
| Ruleville | $1,185 |
| Ruth | $1,292 |
| Sallis | $1,163 |
| Saltillo | $1,071 |
| Sandersville | $1,276 |
| Sandhill | $1,122 |
| Sandy Hook | $1,324 |
| Sarah | $1,069 |
| Sardis | $1,081 |
| Satartia | $1,177 |
| Saucier | $1,243 |
| Schlater | $1,210 |
| Scobey | $1,150 |
| Scooba | $1,131 |
| Scott | $1,241 |
| Sebastopol | $1,153 |
| Seminary | $1,298 |
| Senatobia | $1,075 |
| Shannon | $1,033 |
| Sharon | $1,269 |
| Shaw | $1,195 |
| Shelby | $1,180 |
| Sherard | $1,243 |
| Sherman | $1,101 |
| Shubuta | $1,240 |
| Shuqualak | $1,120 |
| Sibley | $1,424 |
| Sidon | $1,215 |
| Silver City | $1,252 |
| Silver Creek | $1,264 |
| Slate Spring | $1,380 |
| Sledge | $1,204 |
| Smithdale | $1,255 |
| Smithville | $1,110 |
| Snow Lake Shores | $1,157 |
| Sontag | $1,264 |
| Soso | $1,253 |
| Southaven | $1,051 |
| St. Martin | $1,423 |
| Star | $1,371 |
| Starkville | $1,007 |
| State Line | $1,364 |
| Steens | $1,044 |
| Stewart | $1,173 |
| Stoneville | $1,475 |
| Stonewall | $1,225 |
| Stringer | $1,194 |
| Sturgis | $1,035 |
| Summit | $1,249 |
| Sumner | $1,193 |
| Sumrall | $1,405 |
| Sunflower | $1,203 |
| Swan Lake | $1,400 |
| Swiftown | $1,242 |
| Taylor | $1,032 |
| Taylorsville | $1,222 |
| Tchula | $1,204 |
| Terry | $1,258 |
| Thaxton | $1,115 |
| Thomastown | $1,332 |
| Tie Plant | $1,408 |
| Tillatoba | $1,156 |
| Tinsley | $1,180 |
| Tiplersville | $1,128 |
| Tippo | $1,182 |
| Tishomingo | $1,190 |
| Toccopola | $1,075 |
| Toomsuba | $1,082 |
| Tougaloo | $1,198 |
| Trebloc | $1,345 |
| Tremont | $1,151 |
| Tunica | $1,166 |
| Tupelo | $1,056 |
| Tutwiler | $1,176 |
| Tylertown | $1,333 |
| Union | $1,168 |
| Union Church | $1,315 |
| University | $1,042 |
| Utica | $1,261 |
| Vaiden | $1,179 |
| Valley Park | $1,205 |
| Van Vleet | $1,345 |
| Vance | $1,191 |
| Vancleave | $1,392 |
| Vardaman | $1,166 |
| Vaughan | $1,191 |
| Verona | $1,066 |
| Vicksburg | $1,215 |
| Victoria | $1,374 |
| Vossburg | $1,195 |
| Walls | $1,051 |
| Walnut | $1,121 |
| Walnut Grove | $1,171 |
| Walthall | $1,189 |
| Washington | $1,424 |
| Water Valley | $1,099 |
| Waterford | $1,125 |
| Waveland | $2,004 |
| Waynesboro | $1,283 |
| Wayside | $1,477 |
| Webb | $1,184 |
| Weir | $1,104 |
| Wesson | $1,283 |
| West | $1,183 |
| West Hattiesburg | $1,382 |
| West Point | $1,101 |
| Wheeler | $1,131 |
| Whitfield | $1,369 |
| Wiggins | $1,263 |
| Winona | $1,183 |
| Winstonville | $1,460 |
| Winterville | $1,478 |
| Woodland | $1,145 |
| Woodville | $1,267 |
| Yazoo City | $1,206 |
Home and auto insurance bundling in Kansas
How can you get cheap homeowners insurance in Kansas? One way is by bundling your home and auto insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $2,785 | $2,618 | $167 | 6% |
Home insurance discounts in Kansas
Using the discounts provided by your insurance company is another way by which you can lower the Kansas home insurance rates. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best homeowners insurance in Kansas? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
Common causes of home insurance claims in Kansas
These are a few reasons that lead to home insurance claims in the state.
- Water damage: Flooding, ruptured pipes, backed-up water lines, and strong storms can all cause water damage. Most home insurance policies include water damage coverage to get protection against unexpected and unintentional water damage.
- Hail: It can harm your home's roof and windows, which may cause internal water damage.
- Wind: Due to frequent tornadoes, wind damage is a common incident. But even without a tornado, wind damage can happen and damage many areas of your house.
Does homeowners insurance cover flooding in Kansas?
A home insurance policy does not cover flood damage. So you must buy flood insurance via the National Flood Insurance Program (NFIP) of FEMA or a private insurer to protect your house from flood damage. The coverage offered by private flood insurers may vary; however, NFIP flood insurance offers the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Does homeowners insurance cover hail in Kansas?
Depending on where you live, hail may frequently accompany summer storms and cause property damage. In Kansas, a home insurance policy frequently include hail coverage to protect the building’s structure against storm-related damage. But it is always safe to review your policy before buying one.
For instance, some insurers will impose higher deductibles in hail-prone states and exclude coverage for cosmetic damage. So you won’t get coverage if your home gets damaged but remains functional despite having aesthetic flaws after a hailstorm.
Does homeowners insurance cover tornadoes in Kansas?
Kansas experiences between 90-100 tornadoes on average each year. Verify that your current policy includes windstorm coverage, a normal factor of any policy, as tornadoes typically cause wind damage. Wind protection covers the building’s façade and complete structure. However, based on your policy type, interior damage might only get coverage when it directly results from exterior damage, such as window breaking.
Detached buildings also get protection; normally, 10% of the value of the primary residence. Please be aware that all storm-related damages might not get protection. For instance, if you don’t have flood insurance, your home won’t get protection if flood damage occurs due to the same storm that causes the tornado.
Does homeowners insurance cover earthquakes in Kansas?
On average, Kansas experiences 15-20 earthquakes yearly. So, residents may want to get earthquake insurance. Normal home insurance policies don’t include offer protection for these. You can add earthquake coverage as an endorsement to your existing policy to protect yourself from damage caused by seismic disasters.
Aftershocks are also a major worry. Even days after the initial occurrence, an aftershock can still cause damage to your home. But if you have earthquake coverage, you only have to pay a single deductible for damages due to the initial earthquake and any subsequent aftershocks that happen within 72 hours.
The following are the common earthquake deductibles in Kansas.
| Insurer | Average annual rate with earthquake deductible |
|---|---|
| Shelter | $1,751 |
| State Farm | $1,893 |
| Marysville Mutual | $1,909 |
| Travelers | $1,990 |
| Nationwide | $2,013 |
Factors that affect home insurance rates in Kansas
Do you want the best home insurance in Kansas? Then check for these factors before buying one.
- Your location: The price of homeowners insurance in Kansas is influenced by factors including your ZIP Code and the local theft rate.
- Replacement cost: Kansas home insurance rates varies according to the cost of labor and building materials in the area.
- Age/condition: Insuring older homes will cost more than insuring newer homes.
- Claims history: If you file claims regularly, insurers consider you risky. Then, expect an increase in your insurance premiums.
- Credit history: Most insurers will check your credit score before providing home insurance coverage. Be prepared to pay more for homeowners insurance in Kansas if your credit score is low.
- Dog breed: Many insurers consider certain dog breeds 'dangerous.' If your insurer considers your dog so, the price of Kansas home insurance will increase.
Tips for buying homeowners insurance
Are you looking to find the best Kansas homeowners insurance? Then follow these tips!
- Assess your rebuilding costs: Speak with an insurance agent or a builder to find out how much it would cost for local labor and inexpensive building materials to rebuild your home.
- Review the advantage of replacement cost over actual cash value: You may require replacement cost insurance for your home and other belongings.
- Consider add-on coverage for your expensive items: You'll need personal property coverage if you own expensive possessions like high-end electronics, sporting equipment, musical instruments, or antiques.
- Evaluate your liability coverage needs: Determine the required minimum liability insurance limit you need.
- Assess coverage gaps: Many home insurance companies offer high coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most home insurance companies will have ratings from organizations like AM Best and Standard & Poor's. Some companies won't let you apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Check all the discounts that your insurer offers.
- Compare quotes from various insurance companies: Kansas homeowners insurance premiums may vary depending on the insurance company. To find the best home insurance policy in Kansas, you must compare quotes from several insurers.
How to get Kansas home insurance with Way.com
On average, homeowners insurance in Kansas comes to around $2,785 annually. The rate is high when compared to the national average rate. However, finding reasonably priced home insurance in Kansas is still possible. But how is that possible? That’s where Way.com can help you!
You have to use our our app or website to get quotes from all insurers in the state. Then you must compare the quotes and buy an insurance policy with the most reasonable rate. Do you need extra help? Then our agents in Kansas can guide you. They will help you understand the home insurance laws in the state, the most complicated insurance terms, discounts, and coverages.
FAQs
What is the average cost of homeowners insurance in Kansas?
On average, Kansas home insurance costs around $2,785 yearly.
Are you required to have homeowners insurance in Kansas?
The state doesn’t mandate that. But if you finance your home, your lender can insist that you have a homeowners insurance policy.
Why is homeowners insurance so expensive in Kansas?
Extreme weather is a major factor leading to the cost of Kansas home insurance. The probability of submitting a claim gets significantly increased by frequent tornadoes, snowstorms, and hailstorms.
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