To find the best homeowners insurance companies in Kansas, we reviewed a variety of providers and paid close attention to their market share, coverage policies, discounts, customer service, and financial strength. Our top recommendation is Auto-Owners Insurance, which offers affordable rates, great discounts, and a wide selection of coverage options. Keep reading to see our review of other popular Kansas homeowners insurance providers. Some of the top picks for Kansas also made it to our national list of best home insurance providers.
The 5 Best Homeowners Insurance Companies in Kansas
- Auto-Owners Insurance – Best Overall
- AAA – Best for Bundling with Auto Insurance
- State Farm – Best Web Experience
- Allstate – Most Customizable
- Farmers Insurance – Best Pricing Options
Compare Kansas’s top insurance companies
| Average Price | AM Best Financial Strength | J.D. Power Overall Customer | |
| Auto-Owners Insurance | $1,106 | A++ | 826/1,000 |
| AAA | $1,619 | A+ | 833/1,000 |
| State Farm | $2,008 | A++ | 831/1,000 |
| Allstate | $1,319 | A+ | 814/1,000 |
| Farmers Insurance | $2,048 | A | 808/1,000 |
Auto-Owners Insurance
In addition to excellent financial strength, Auto-Owners Insurance stands out for its long list of home insurance discounts. Although their premiums are a little pricey, homeowners can lower their rate by taking advantage of unique discounts that most companies don’t offer.
Best Overall
Why we chose it
Why we chose it
Pros
- Great discounts
- Helpful online resources
- Variety of add-on coverages
Cons
- No online quote tool
- Policy changes can’t be made online
Discounts available
- Life multi-policy discount
- Automatic water shut off
- Automatic backup generator
- Mortgage-free discount
Unique features
Auto-Owners Insurance sells a specific home insurance policy for high-value homes, which includes higher coverage limits, equipment breakdown coverage, special personal property coverage, and more.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on Auto-Owners Insurance:
AAA
You probably know AAA as one of the most popular roadside assistance companies, but they also sell a variety of insurance products, including home insurance through local partners. Coverages and customer experience may vary per location and the partner that services your area.
Best for Bundling with Auto Insurance
Why we chose it
Why we chose it
Pros
- Depending on your club and location, membership benefits include roadside assistance, discounts, identity theft protection and vacation planning.
Cons
- Must be a AAA member to get coverage.
- You may have to buy auto insurance before you can access homeowners policies.
Discounts available
- Multi-policy discount
- Retiree discount
Unique features
With AAA insurance, you can get tons of great discounts for things like shopping, dining, airfare, rental cars, gas, and more.
** Because AAA is made up of many local “clubs,” data varies by region
Further Reading on AAA:
State Farm
State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.
Best Web Experience
Why we chose it
Why we chose it
Pros
- Financially strong
- Excellent web presence
- 19,000+ agents nationally
- Informative blog
Cons
- Limited discounts
- Higher premiums
Discounts available
- Multiple policy discount
- Fire, smoke, or burglar alarms discount
- Impact-resistant roof discount
Unique features
State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on State Farm:
Allstate
Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.
Most Customizable
Why we chose it
Why we chose it
Pros
- Diverse discount opportunities
- Informative website and digital tools
- Above-average customer service
Cons
- NAIC complaint index high
- Financial strength ratings good, but not great
Available discounts
- Early signing discount
- Home buyer discount
- Hail-resistant roof discount
Unique features
Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on Allstate:
Farmers
Farmers offers an unusual quoting system that features three tiers of service. Within those three tiers, you can further customize your policy if you have, say, expensive electronics or jewelry to cover.
Best Pricing Options
Why we chose it
Why we chose it
Pros
- Three tiers of coverage
- Bundling discounts
- Identity theft coverage available
Cons
- Sparse website
- Not as many discounts
Discounts available
- Nonsmokers discount
- Multiple policies discount
- Professional group member discount
Unique features
Farmers’ three tiers — standard, enhanced, and premier — let you pick the best coverage based on cost and coverages. The highest level, premier, includes replacement cost coverage with 100% reimbursement regardless of policy limits.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on Farmers:
Average Cost of Homeowners Insurance in Kansas
According to the Insurance Information Institute (III), the average cost of home insurance in Kansas is $1,584 per year. For comparison, the United States national average rate is $1,211. Home insurance in Kansas is ranked as the fifth most expensive state for insurance in the country.
Home Insurance Add-Ons That Will Further Protect You
Homeowners in Kansas deal with a variety of extreme weather events, including tornadoes, hail storms, wildfires, and even earthquakes. In 2019, the Kansas Insurance Department recorded 60,140 storm claims, costing well over $276 million. If you live in Kansas, it’s a good idea to purchase flood insurance and earthquake insurance to make up for gaps in your homeowners insurance coverage.
The Cheapest Homeowner Insurance Companies in Kansas
| Largest Companies by Market Share in Kansas | Average Annual Premium |
| Auto-Owners Insurance | $1,106 |
| Allstate | $1,319 |
| USAA | $1,400 |
| Garrison Property and Casualty Insurance Co | $1,468 |
| AAA | $1,619 |
| Encompass | $1,682 |
| Marysville Mutual Insurance Company | $1,997 |
| State Farm | $2,008 |
| Farmers Insurance | $2,048 |
| Farm Bureau Property and Casualty Insurance Co | $2,184 |
| American Family Insurance | $2,391 |
Cost of Homeowners Insurance by Age of Home
| Age of Home (years) | Sample Annual Premium |
| 5 | $2,020 |
| 20 | $2,998 |
| 35 | $3,013 |
| 50 | $2,942 |
| Average across ages | $2,743 |
Top 3 Cheapest Homeowners Insurance Companies in Kansas
- Auto-Owners Insurance – $1,106
- Allstate – $1,319
- USAA – $1,400
Top 3 Most Expensive Homeowners Insurance Companies in Kansas
- American Family Insurance – $2,391
- Farm Bureau Property & Casualty Insurance Company – $2,184
- Farmers Insurance – $2,048
Helpful resources for Kansas Homeowners
If you’re shopping for home insurance in Kansas, we recommend checking out 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.
Homeowners Insurance FAQ
Is homeowners insurance required in Kansas?
No, there is no state law that requires you to have homeowners insurance in Kansas. However, your lender will likely require you to have a policy for at least the amount of your loan.
What is the cheapest homeowners insurance in Kansas?
Auto-Owners Insurance has the cheapest homeowners insurance in Kansas with an annual average premium of $1,106. However, keep in mind your actual premium may vary as these are just averages based on sample data. It’s always wise to get quotes from at least three providers, check our list of best cheap home insurance for other possible options.
Methodology
We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best companies. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:
- Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using JD Power Homeowners Satisfaction ratings.
- Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available.
- Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best.
- 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 NAIC National Complaint Index.
About the Authors
Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.
