Best Homeowners Insurance in Kansas
Kansas is home to severe thunderstorms, ice storms, and more. For peace of mind that your home and belongings will be protected after an unexpected disaster, consider investing in a home insurance policy.
After reviewing dozens of insurance providers, the This Old House Reviews Team compiled a list of the best home insurance companies in Kansas to help you decide which provider is best for you and your home. We also collected sample quotes from each company for houses in various cities across the state to give you an idea of what insurance rates to expect.
For the most accurate estimates, we recommend calling 855-948-5219 or using the online quote tool below to get prices based on your personal information and property details:
Kansas’ Top 3 Home Insurance Companies
- State Farm: Best Endorsements
- Allstate: Best Coverage Options
- Travelers: Most Experience
State Farm: Best Endorsements
Scoring a 96.6 out of 100, State Farm is an impressive provider for its performance in key metrics such as policy coverage, customer service, and unique features, but we particularly recommend it to homeowners who want to fine-tune their policy with endorsements, or coverage add-ons.
Kansas homeowners can automatically add coverage for earthquakes, sewage or drain backup, loss assessment for unexpected HOA fees, energy efficiency upgrades during a claim, home systems protection, identity theft, service line coverage, and extra roof surfaces payment protection. For those looking for even more protection, speak to your local agent about other coverage options, such as home rental coverage, off-premises structures coverage, or vacant home coverage.
Here are some other State Farm benefits:
- Features a helpful video during the quote process that explains your policy’s coverage
- Offers a significant discount for bundling with auto insurance up to 35% based on the sample quotes we received
- Provides coverage options for medical payments to others up to $10,000, which is $5,000 higher than most competitors
State Farm Sample Pricing
| City (ZIP code) | Wichita (67226) | Overland Park (66212) | Topeka (66606) |
|---|---|---|---|
|
House square footage |
1,55 |
1,8 |
1,8 |
|
Year built |
1977 |
1963 |
1978 |
|
Dwelling limit |
$225,000 |
$330,000 |
$250,000 |
|
Personal property coverage |
75% of dwelling |
75% of dwelling |
75% of dwelling |
|
Liability coverage |
$100,000 |
$300,000 |
$100,000 |
|
All-peril deductible |
1% of dwelling |
1% of dwelling |
1% of dwelling |
|
Wind/hail deductible |
N/A |
N/A |
N/A |
|
Monthly premium |
$225.58 |
$214.50 |
$198.41 |
Get Your Free Home Insurance Quote: Call 1-360-262-2561
Learn More: State Farm Home Insurance Review
*AM Best ratings accurate as of August 2023
Allstate: Best Coverage Options
With a score of 98.1 out of 100, Allstate performed exceptionally well in our review and makes the top of this list as the ‘Best Overall’ home insurance provider in Kansas. We recommend Allstate for its local agents’ 24/7 availability, its helpful website that features valuable resources about coverage and natural disaster preparation, its multiple discounts, including one for having a backup generator, and its comprehensive overall coverage.
Get a free quote on the Allstate website for a quick estimate regarding your insurance premium.
Allstate also stands out against competitors for the following reasons:
- Offers the Claim RateGuard benefit, which keeps your home insurance premium from increasing after filing a claim
- Provides a discount for signing up with autopay
- Features the Allstate Digital Locker mobile tool to help you keep track of your personal property inventory and its total value
Allstate Sample Pricing
| City (ZIP code) | Wichita (67226) | Overland Park (66212) | Topeka (66606) |
|---|---|---|---|
|
House square footage |
1,55 |
1,8 |
1,8 |
|
Year built |
1977 |
1963 |
1978 |
|
Dwelling limit |
$225,000 |
$330,000 |
$250,000 |
|
Personal property coverage |
60% of dwelling |
75% of dwelling |
60% of dwelling |
|
Liability coverage |
$100,000 |
$300,000 |
$100,000 |
|
All-peril deductible |
$2,500 |
$2,500 |
$2,500 |
|
Wind/hail deductible |
$2,500 |
$2,500 |
$2,500 |
|
Monthly premium |
$242.00 |
$345.00 |
$227.00 |
Get Your Free Home Insurance Quote: Allstate Quote
Learn More: Allstate Home Insurance Review
Travelers: Most Experience
Scoring a 93.6 out of 100 and standing out for its years of experience, Travelers is a top choice for homeowners in Kansas who want a trustworthy provider that knows the ins and outs of the insurance industry.
This insurer has been in operation for more than 160 years, making it one of the oldest home insurance providers in the industry. It has also built a withstanding reputation over the years with an A+ rating from the Better Business Bureau (BBB) and a financial strength rating of A++ (superior) from AM Best.
Travelers is also an ideal company for those who want a wide range of deductible options to help customize their policy since it offers nine choices, ranging from $1,000 to $50,000. Not to mention, you can lower your deductible by $100 every year with Travelers’ Decreasing Deductible benefit.
Learn more about Travelers’ deductible options by getting a quote online.
Here are a few other reasons we recommend Travelers:
- Offers a unique discount for Kansas homes with a Leadership in Energy and Environmental Design (LEED) certification
- Provides an add-on for equipment breakdown coverage, which helps repair or replace your systems and appliances after a mechanical or electrical failure
- Features one of the lowest personal property coverage limit options of 25% of your dwelling limit
Travelers Sample Pricing
| City (ZIP code) | Wichita (67226) | Overland Park (66212) | Topeka (66606) |
|---|---|---|---|
|
House square footage |
1,55 |
1,8 |
1,8 |
|
Year built |
1977 |
1963 |
1978 |
|
Dwelling limit |
$225,000 |
$330,000 |
$250,000 |
|
Personal property coverage |
75% of dwelling |
75% of dwelling |
75% of dwelling |
|
Liability coverage |
$100,000 |
$300,000 |
$100,000 |
|
All-peril deductible |
$1,000 |
$1,000 |
$1,000 |
|
Wind/hail deductible |
$2,500 |
$2,500 |
$2,500 |
|
Monthly premium |
$246.65 |
$208.92 |
$203.00 |
Get Your Free Home Insurance Quote: Travelers Quote
Learn More: Travelers Home Insurance Review
Our Conclusion
Whether you’re leaning toward Allstate for its combination of impressive customer service, comprehensive policy coverage, and discount options, State Farm for its additional coverage options and extra protection, or Travelers for its years of experience and deductible options, we recommend getting quotes from each provider. This will allow you to see how plan pricing compares based on your personal information and claims history, as well as your property’s ZIP code, construction type, size, age, building materials, foundation, and other factors.
To find more home insurance providers in your area that can protect your home, enter your ZIP code into the free tool below or call 855-948-5219:
Compare Homeowners Insurance Companies in Kansas
| Provider | Allstate | State Farm | Travelers |
|---|---|---|---|
|
Get a free quote |
Allstate.com |
Not available through This Old House |
Travelers.com |
|
Our score |
98.1 |
96.6 |
93.6 |
|
Personal property coverage limits |
60% or 75% of dwelling |
75%–100% of dwelling |
25%–100% of dwelling |
|
Liability coverage limits |
$100,000, $200,000, $300,000, $500,000 |
$100,000, $300,000, $500,000, $1 million |
$100,000, $300,000, $500,000 |
|
Sample premium* |
$242.00 |
$225.58 |
$246.65 |
|
Discounts available |
7 |
5 |
5 |
|
Unique add-ons |
Roof surfaces extended coverage, water backup protection, green improvements |
Earthquake insurance, service line coverage, home systems protection |
Equipment breakdown coverage, Decreasing Deductible benefit |
|
Customer service |
24/7 |
24/7 for claims, local agents’ hours vary |
24/7 for claims |
|
BBB rating** |
A+ |
NR |
A+ |
*Based on sample quotes we received on a 1,550-square-foot single-family house in Wichita, Kansas
**Figures pulled from the companies’ Better Business Bureau (BBB) profiles as of June 1, 2021
Kansas Homeowners Insurance Coverage
There are six primary homeowners insurance coverage types included in each policy. Here’s a description of each type to help you understand how much coverage you need:
- Dwelling coverage—Perhaps the biggest reason to purchase a home insurance policy is for the dwelling coverage on your property’s main structure. This coverage pays to rebuild, replace, or repair your house after a covered peril, such as a tornado or blizzard. It’s important to get coverage equal to or greater than your home’s overall estimated value to ensure you’re not under covered during a claim. You can find your home’s value by using an estimation tool from one of the providers listed in this review, speaking with an insurance agent, or having a professional appraiser take a look at your property.
- Other structures coverage—This coverage type is for other structures on your property, such as fences, detached garages, or sheds. The limit for this type of coverage is typically around 10% of your dwelling limit.
- Personal property coverage—With policy limits typically at 60%–75% of your dwelling amount, this coverage pays for the replacement cost or depreciated value of your personal belongings when they’re damaged, destroyed, lost, stolen, or vandalized.
- Personal liability coverage—This covers any medical costs or legal fees associated with an accident or injury that you caused to a guest or visitor on your property. Although coverage limits are typically set at $100,000–$300,000, you should consider a higher limit if you anticipate hosting guests regularly. Out of the providers in this review, State Farm has the highest personal liability coverage limit of $1 million.
- Medical payments to others coverage—Unlike liability coverage, this pays for medical costs associated with accidents or injuries on your property that weren’t your fault. Coverage limits for this category are usually around $1,000–$5,000, but you can purchase up to $10,000 from Travelers if you’re worried about people getting hurt while visiting your house.
- Loss of use coverage—You can claim loss of use or additional living expenses coverage when your home is unlivable after a peril. For instance, if a fire ruins the interior of your house, your provider will pay for expenses, such as hotel fees, meals, or gas, while your home is being rebuilt.
Factors To Consider Before Buying Homeowners Insurance
To get the most out of your policy, consider the following factors before purchasing home insurance:
- Natural disasters—Kansas homes can be impacted by various events, including tornadoes, thunderstorms, ice storms, floods, and even earthquakes. If you live in a flood zone, consider purchasing an additional flood insurance policy, since home insurance companies don’t consider floods to be a covered peril. Speak to your agent to see if your area has access to policies from the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP).
- Discounts—Each of these providers offers discounts for home and auto insurance bundling, home security systems, fire alarms, and other safety features. However, when getting a quote, you may find more ways to save from each provider. For example, Allstate offers discounts for backup generators, and Travelers offers a unique discount for residents who have water protection equipment.
- Additional coverage—Also known as endorsements, add-ons, floaters, or riders, additional coverage options are available from each provider to help you personalize your policy based on your coverage needs. For instance, if you’re worried about your property receiving damage from the occasional Kansas earthquake, you can purchase extra earthquake coverage from State Farm. Additionally, you can add equipment breakdown coverage to your Travelers policy for coverage on electrical and mechanical failures to your home systems and appliances.
Useful Resources for Residents in Kansas
FAQs About Homeowners Insurance in Kansas
What is the average cost of home insurance in Kansas?
According to the Insurance Information Institute (III), a 2018 study on average homeowners insurance costs shows that Kansas is the sixth most expensive state for home insurance, with an average premium costing $1,617 per year or $124.75 per month—this is $368 higher than the national average of $1,249 per year.
Based on our sample quotes, we found that insurance prices have increased since this report, with average homeowners insurance rates around $200–$250 per month, further proving that Kansas is one of the most expensive states for home insurance.
To lower your premiums, check with your insurance provider for discounts or select a higher deductible. We ultimately recommend getting quotes from a few different insurance companies to compare plan pricing.
How do I file a home insurance claim?
The claims process varies depending on the home insurance provider you choose, but it typically starts with visiting the company’s website and filling out a form in your customer account portal. Then, your local agent will reach out with an initial decision or with more questions if further information is needed. Once everything has been addressed, you’ll receive a payout based on the agreed amount within your policy’s limits.
Is home insurance required in Kansas?
Home insurance isn’t required by law in Kansas or any other state, but many mortgage lenders require borrowers to purchase a policy with certain coverage limits to ensure the home is protected from unexpected events. In many cases, you can add your home insurance to your escrow account, and it will simply be lumped in with your monthly mortgage payments. If you currently have a loan on your property, check with your lender to see if this is an option.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.
With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:
- We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
- We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
- We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.
With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:
- Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
- State availability (7.5): Companies scored higher if they covered more states than their competitors.
- Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
- Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
- Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
- Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.