Kansas regularly experiences severe convective storms (hail, wind and tornadoes), which keeps homeowners insurance costs well above the U.S. average and among the highest states (NOAA; Bankrate 2025). That makes finding the best home insurance even more of a priority. But with so many companies to choose from, how do you know which is best for you? Reviews.com can make your search easier. We combed through recent data to help you compare options.
The 4 Best Homeowners Insurance Companies in Kansas
To find the best homeowners insurance companies in Kansas, Reviews.com analyzed providers for coverage options, discounts, customer experience and financial strength, plus the latest market pricing benchmarks. We reviewed the most recent J.D. Power U.S. Home Insurance Study, current state averages from Bankrate (2025) and ValuePenguin (2025), and the last official NAIC baseline (2022). Based on our research, we determined that the following four companies offer strong options for Kansas homeowners:
- Allstate: Best for digital tools and discount opportunities
- Auto-Owners: Best for personalized, agent-driven coverage and claims service
- State Farm: Best for local agencies and catastrophe response
- Travelers: Best for broad optional coverages and unique add-ons
Compare Kansas’s top insurance companies
The companies featured here were chosen based on our research methodology. However, because every homeowner has a unique situation, the best carrier for you might not be on this list. Knowing your needs and shopping around can be a good strategy to find the best coverage for your home. Compare at least three quotes, confirm wind/hail deductible type and roof settlement terms, review complaint history via the NAIC Consumer Insurance Search, and see the Kansas Insurance Department’s Homeowners Insurance Shopping Guide.
| Average Annual Premium* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Allstate | $2,565 | A+ | 829/1,000 | |
| Pin Auto-Owners Insurance | $1,560 | A++ | 831/1,000 | |
| Pin State Farm | $2,646 | A++ | 835/1,000 | |
| Pin Travelers | $2,097 | A++ | 800/1,000 |
*The table reflects an earlier sample coverage model. For current context, typical Kansas premiums are about $3,000–$3,600 per year for a standard HO‑3, per Bankrate (2025) and ValuePenguin (2025).
**J.D. Power 2024 U.S. Home Insurance Study, based on a 1,000-point scale
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Several discount opportunities
- Informative website and digital tools
- Above-average J.D. Power customer satisfaction score
Cons
- Higher-than-average overall NAIC complaint index
- Average premium is higher than many competitors
OTHER POLICIES OFFERED
- Condo
- Renters
- Auto
- Motorcycle
STANDOUT DISCOUNTS AVAILABLE
- Home buyer
- Welcome & loyalty
- Claims free
- Early signing
Best for Personalized Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Wide range of coverage options
- Several discounts
- Superior financial strength
Cons
- No online quote tool
- Policy changes can’t be made online
- Not available nationwide
OTHER POLICIES OFFERED
- Rental dwelling
- Mobile home
- Boat
- Life
STANDOUT DISCOUNTS AVAILABLE
- Green discount
- Advance quote
- Water shut-off system
- Mortgage free
Best for Local Agencies
WHY WE CHOSE IT
Why we chose it
Pros
- Local agencies available
- Superior financial strength
- Above-average J.D. Power customer satisfaction score
Cons
- Limited discounts
- Highest average premium on our list
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Auto
- Farm and ranch
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- Multiple line
- Home security
- Roofing materials
Best for Unique Options
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous optional coverages
- Several discount opportunities
- Informative website and digital tools
Cons
- Below-average J.D. Power customer satisfaction score
- Higher-than-average NAIC complaint index
- No options for mobile or manufactured homes
OTHER POLICIES OFFERED
- Travel
- Pet
- Wedding and event
- Landlord
STANDOUT DISCOUNTS AVAILABLE
- Home buyer
- Protective device
- Green home
- Loss free
*The table reflects an earlier sample coverage model. For current context, typical Kansas premiums are about $3,000–$3,600 per year for a standard HO‑3, per Bankrate (2025) and ValuePenguin (2025).
**J.D. Power 2024 U.S. Home Insurance Study, based on a 1,000-point scale
The Average Cost of Homeowners Insurance in Kansas
Recent consumer-market analyses show typical Kansas homeowners premiums around $3,000–$3,600 per year for a standard HO-3, well above the U.S. average and among the highest states (Bankrate 2025; ValuePenguin 2025). The last official audited baseline from the NAIC is for 2022; double-digit homeowners rate increases across 2023–2024 documented by S&P Global Market Intelligence and LexisNexis Risk Solutions help explain today’s higher costs. To find the best coverage at the best price, you may want to shop around to compare home insurance quotes.
Top 3 Cheapest Homeowners Insurance Companies in Kansas
| Company | Average Annual Premium* |
| USAA | Varies by profile |
| Auto-Owners | Varies by profile |
| Travelers | Varies by profile |
*Use current snapshots from Bankrate (2025) and ValuePenguin (2025) for the latest statewide averages; premiums vary widely by ZIP, roof age/material, and deductible.
Top 3 Most Expensive Homeowners Insurance Companies in Kansas
| Company | Average Annual Premium* |
| Farmers | Varies by profile |
| AAA | Varies by profile |
| Iowa Farm Bureau | Varies by profile |
*Use current snapshots from Bankrate (2025) and ValuePenguin (2025) for the latest statewide averages; premiums vary widely by ZIP, roof age/material, and deductible.
Key Things to Know About Home Insurance in Kansas
If you’re shopping for home insurance in Kansas, you may want to look at the Kansas Insurance Department’s homeowners insurance page for helpful information. You’ll find articles, guides, and advice for buying the right homeowners insurance policy, how to submit a claim, and how to file a home insurance complaint. Because the risk of home damage due to tornadic activity is relatively high in Kansas, you may also want to research strategies to lessen the risk of damage to your home and to keep yourself and your family safe. For detailed shopping help on wind/hail deductibles and roof settlement terms, see KID’s Homeowners Insurance Shopping Guide, review complaint indices via the NAIC Consumer Insurance Search, and consult severe-weather resources from NOAA.
Home Insurance Coverage Options
Homeowners in Kansas deal with a variety of extreme weather events, including tornadoes, hail storms, wildfires, and even earthquakes. While many of these events are covered by standard home insurance policies, reviewing your coverage with a licensed agent can be a helpful step in identifying gaps in your insurance coverage. Expect peril-specific wind/hail deductibles (often 1%–5% of Coverage A), roof-age settlement changes (ACV on older roofs), and cosmetic-damage exclusions to be more common in hail-prone areas (Insurance Information Institute). Flood is not covered by a standard HO-3; consider NFIP or private flood options as appropriate (NAIC CIPR: Private Flood Insurance). Earthquake coverage is generally excluded and is typically added via endorsement or a separate policy; for Kansas-specific shopping guidance, see the state’s Homeowners Insurance Shopping Guide.
Frequently Asked Questions
Methodology
We evaluated the companies based on third-party indicators of customer experience, financial stability, coverage breadth, and Kansas-relevant policy features (wind/hail deductibles, roof settlement). Inputs included the latest J.D. Power U.S. Home Insurance Study, A.M. Best financial strength ratings, NAIC complaint resources, and current market pricing benchmarks.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings: Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using 2024 J.D. Power U.S. Home Insurance Study ratings.
- Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Commissioners’ Consumer Insurance Search complaint index.
Rates and averages referenced use recent consumer-market analyses from Bankrate (2025) and ValuePenguin (2025); the last audited state baseline is the NAIC 2022 homeowners report. Industry sources document double-digit homeowners rate increases across 2023–2024 (S&P Global Market Intelligence; LexisNexis Risk Solutions 2025), so your quotes may vary materially by ZIP, home features and deductibles.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 base deductible and a separate wind and hail deductible (if required), often a percentage (e.g., 1%–5% of Coverage A) in Kansas (Insurance Information Institute).
