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The Best Homeowners Insurance Companies in Kansas

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    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 StrengthJ.D. Power Overall Customer
    Auto-Owners Insurance$1,106A++826/1,000
    AAA$1,619A+833/1,000
    State Farm$2,008A++831/1,000
    Allstate$1,319A+814/1,000
    Farmers Insurance$2,048A808/1,000

    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.

    Auto-Owners

    Best Overall

    Why we chose it

    When it comes to discounts, Auto-Owners Insurance goes above and beyond. In addition to the basics, like bundling and paying your premium in full, Auto-Owners customers can save by having an automatic backup generator, having a whole-home water shut-off system, and much more.
    • N/A Reviews Score
    • 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.
    • 833* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    When it comes to discounts, Auto-Owners Insurance goes above and beyond. In addition to the basics, like bundling and paying your premium in full, Auto-Owners customers can save by having an automatic backup generator, having a whole-home water shut-off system, and much more.

    Pros

    • Great discounts
    • Helpful online resources
    • Variety of add-on coverages

    Cons

    • No online quote tool
    • Policy changes can’t be made online
    Read More

    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.

    AAA

    Best for Bundling with Auto Insurance

    Why we chose it

    A membership to AAA is required, but you’ll have access to discounts for travel and other services. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy, depending on your location.
    • N/A** Reviews Score
    • N/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.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    A membership to AAA is required, but you’ll have access to discounts for travel and other services. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy, depending on your location.

    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.
    Read More

    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.

    Allstate

    Best Web Experience

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • 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

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    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.

    State Farm

    Most Customizable

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • 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.
    • 814* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    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
    Read More

    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.

    Farmers

    Best Pricing Options

    Why we chose it

    Those three options for your coverage allow you to choose a policy that works for your pocketbook. Even at the lowest level, you can choose higher coverages for specific items, making your policy one of a kind.
    • 3.5 Reviews Score
    • 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.
    • 808* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Those three options for your coverage allow you to choose a policy that works for your pocketbook. Even at the lowest level, you can choose higher coverages for specific items, making your policy one of a kind.

    Pros

    • Three tiers of coverage
    • Bundling discounts
    • Identity theft coverage available

    Cons

    • Sparse website
    • Not as many discounts
    Read More

    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 KansasAverage 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

    Lauren Ward Contributing Writer

    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.

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