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:
- Allstate: Best for Discounts
- Auto-Owners: Best for Personalized Coverage
- State Farm: Best for Local Agencies
- Travelers: Best for Unique Options
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 | $2,565 | 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 |
*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
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
*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
| Company | Average 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
| Company | Average 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 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.
