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The Best Homeowners Insurance Companies in Kansas in 2022

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    Kansas is no stranger to severe storms and home damage, which might mean finding the best home insurance is 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 the data to help you in your search. 

    The 4 Best Homeowners Insurance Companies in Kansas 

    To find the best homeowners insurance companies in Kansas, Reviews.com analyzed a variety of providers and looked at features like market share, coverage options, discounts, customer service scores, and financial strength ratings. We also reviewed 2021 premium data from Bankrate.com. Based on our research, we determined that the following four companies sell some of the best home insurance in Kansas:

    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.

    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$2,565A+829/1,000
    Pin Auto-Owners Insurance$1,560A++831/1,000
    Pin State Farm$2,646A++835/1,000
    Pin Travelers$2,097A++800/1,000

    *2021 data from Bankrate.com for $250,000 in dwelling coverage

    **J.D. Power 2021 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Allstate

    Best for Discounts

    WHY WE CHOSE IT

    Allstate’s discounts may add up to lower premiums, making the company a good choice for anyone looking to save a few dollars on their premium costs.
    • $2,565* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ AM Best Rate 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.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate’s discounts may add up to lower premiums, making the company a good choice for anyone looking to save a few dollars on their premium costs.

    Pros

    • Several discount opportunities
    • Informative website and digital tools
    • Above-average J.D. Power customer satisfaction score

    Cons

    Read More

    OTHER POLICIES OFFERED

    • Condo
    • Renters
    • Auto
    • Motorcycle

    STANDOUT DISCOUNTS AVAILABLE

    • Home buyer
    • Welcome & loyalty
    • Claims free
    • Early signing
    Auto-Owners

    Best for Personalized Coverage

    WHY WE CHOSE IT

    Auto-Owners offers several different endorsements to help you build a policy that works for your unique needs. The carrier doesn’t skimp on discounts either and has a low average premium, based on our research.
    • $1,560* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate 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.
    • 831** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners offers several different endorsements to help you build a policy that works for your unique needs. The carrier doesn’t skimp on discounts either and has a low average premium, based on our research.

    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
    Read More

    OTHER POLICIES OFFERED

    • Rental dwelling
    • Mobile home
    • Boat
    • Life

    STANDOUT DISCOUNTS AVAILABLE

    • Green discount
    • Advance quote
    • Water shut-off system
    • Mortgage free
    State Farm

    Best for Local Agencies

    WHY WE CHOSE IT

    State Farm has local agents across Kansas (and the country), so it could be a great option for homeowners who like a more personal touch for their insurance needs.
    • $2,646* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate 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.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm has local agents across Kansas (and the country), so it could be a great option for homeowners who like a more personal touch for their insurance needs.

    Pros

    • Local agencies available
    • Superior financial strength
    • Above-average J.D. Power customer satisfaction score

    Cons

    Read More

    OTHER POLICIES OFFERED

    • Auto
    • Farm and ranch
    • Business
    • Life

    STANDOUT DISCOUNTS AVAILABLE

    • Multiple line
    • Home security
    • Roofing materials
    Travelers

    Best for Unique Options

    WHY WE CHOSE IT

    Travelers offers a variety of optional coverages, including some relatively unique options that might be a good fit for homeowners with specific needs.
    • $2,097* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate 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.
    • 800** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Travelers offers a variety of optional coverages, including some relatively unique options that might be a good fit for homeowners with specific needs.

    Pros

    • Numerous optional coverages
    • Several discount opportunities
    • Informative website and digital tools

    Cons

    Read More

    OTHER POLICIES OFFERED

    • Travel
    • Pet
    • Wedding and event
    • Landlord

    STANDOUT DISCOUNTS AVAILABLE

    • Home buyer
    • Protective device
    • Green home
    • Loss free

    *2021 data from Bankrate.com for $250,000 in dwelling coverage

    **J.D. Power 2021 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    The Average Cost of Homeowners Insurance in Kansas

    According to 2021 data from Bankrate.com, the average cost of home insurance in Kansas is $2,694 per year for $250,000 in dwelling coverage. For comparison, the U.S. national average rate is $1,312. Kansas is one of the most expensive states for home insurance, likely due in part to its position in “Tornado Alley” and the high risk of devastating home damage. 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 

    CompanyAverage Annual Premium*
    USAA$1,378
    Auto-Owners$1,560
    Travelers$2,097

    *2021 data from Bankrate.com

    Top 3 Most Expensive Homeowners Insurance Companies in Kansas

    CompanyAverage Annual Premium*
    Farmers$6,207
    AAA$3,470
    Iowa Farm Bureau$2,953

    *2021 data from Bankrate.com

    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.

    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. For example, earthquake damage is generally excluded and has to be added as an endorsement or a separate policy if you want this type of coverage.

    Frequently Asked Questions

    Methodology

    We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, and coverage options to determine which might be the best providers. 

    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 2021 J.D. Power 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 Companies National Complaint Index.

    Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

    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 deductible and a separate wind and hail deductible (if required).

    About the Authors

    Cate Deventer

    Cate Deventer Insurance Editor

    Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

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