Best Home Insurance in Kansas (2023)

Compare personalized Home insurance rates in Kansas

Home Insurance in Kansas

Owning a home in Kansas comes with a lot of responsibility including paying for quality homeowners insurance. Yet, paying for coverage and getting a good price are options, especially once you know the Kansas homeowners requirements. Finding the balance with cheap homeowners insurance along with quality coverage is possible. Here’s how to do so.

Home Insurance Companies in Kansas

To make the right decision, you need to compare the best home insurance companies in Kansas. More specifically, look at the top rated homeowners insurance companies in Kansas and the policy options they give you. You need to find a policy with coverage that fits your home. Homeowners insurance agencies in Kansas can offer insight into risks, coverage options, and deductible options. They can also help you find coverage that meets your budget. To do this, use independent home insurance agents in Kansas to compare numerous insurers.

How to Get the Best Rates for Home Insurance in Kansas

It’s easy to get started. You need to know what options are available to you. Enter your zip code below and you’ll receive information about available insurers in your area.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Kansas?

The average annual premium in Kansas is $1,531 per year. That’s for the average HO-3 policy. That’s also a bit higher than the national average of $1,173. The cheapest home insurance in Kansas should fit your needs, though. To find a balance, get home insurance quotes in Kansas from multiple insurers.


<twitter>The average annual premium in Kansas is $1,531 per year. That’s for the average HO-3 policy. That’s also a bit higher than the national average of $1,173.</twitter>


List of Homeowners Insurance Companies in Kansas

You can obtain a full list of available insurance companies in Kansas right here. Just enter your zip code to see the options.

How Homeowners Insurance Is Calculated in Kansas

Every state has some risks. Every community has specific risks, too. Insurers in the state look at those risks to determine how much to charge you for coverage. Here are key factors that impact what you’ll pay.


<qa>1;Crime;Crime is always a concern. It is one of the reasons why rates in Kansas are a bit higher. The violent crime rate in Kansas is 4.13 per 1,000 residents. That’s above the national average of 4. More concerning to home insurance companies is the property crime rate. It stands at 28.01 per 1,000 residents. That’s above the national average of 24.</qa>

<qa>2;Weather/Climate;Climate conditions in Kansas can range widely from drought and extreme heat to inland flooding. Tornadoes and thunderstorms with strong wind can also cause home damage. This can increase the risk of filing a claim, driving up costs.</qa>

<qa>3;Home Values;A good factor for the state is home value. Home values here - though they have risen about 6.5 percent over the last year - remain about at the national average of $140,200. That’s as of March of 2019. That helps reduce costs.</qa>

Home Insurance Requirements in Kansas

Kansas homeowners need to fully understand their homeowners insurance. Yet, most people have some questions. Ask your agent openly about any that you have. Here are some common questions answered.

Is Homeowners Insurance Required in Kansas?

Your state and city do not require you to have home insurance in Kansas. However, if you have a mortgage on your home, it probably requires coverage. You may also have to have coverage on your home if you live in some homeowners’ associations.

What Does Home Insurance Cover?

Your coverage is comprehensive in most cases. It should include property coverage to provide you with financial support if there’s an accidental incident, such as a fire, storm damage, or theft. It also protects your home’s contents. Liability insurance is a part of your home insurance, too. It covers risks such as someone being hurt on your property or your dog biting a guest.

Homeowners Insurance for New Properties in Kansas

Kansas has a strong new construction market. If you build or buy a new home, you’ll pay a bit more for insurance because your home may be worth more. However, it’s important to remember that home insurance costs here are still competitive.

Homeowners Insurance for Old Properties in Kansas

Older homes have some key risks. You may be more likely to have damage to a roof, for example. Your plumbing or electrical systems may be older. Having coverage minimizes many of those risks.

Renters Insurance in Kansas

A renter’s insurance policy protects you if you rent a home, apartment, condo, or other structure. You purchase it, and it works to protect you from loss to your personal property or any liability claims people file against you.


In Kansas, you are not legally required to maintain this insurance. However, it tends to be about $15 to $20 a month. Some property owners may require it of their renters.


<zipcode>Compare Renters Insurance in Kansas</zipcode>


Compare Home Insurance in Kansas by City

You want the cheapest home insurance in Kansas. To get it, you need a customized policy that addresses your needs. You can compare home insurance quotes for your city, but take a look at factors that contribute to your costs based on the largest cities in the state.


<qa>1;Home Insurance Quotes in Wichita, Kansas;The largest city in the state is Wichita, a modern and urban community. It’s home to 390,591 people. This city has a median home value of $127,600.</qa>

<qa>2;Home Insurance Quotes in Overland Park, Kansas;A fast-growing city, Overland Park is also seeing a lot of construction. Its current population is 191,278. The median home value here is $317,800.</qa>

<qa>3;Home Insurance Quotes in Kansas City, Kansas;A bit more urban and more industrial in some areas, Kansas City still has a thriving residential area. It’s home to 152,938 people. This city is very affordable. Its median home value is $102,400.</qa>

<qa>4;Home Insurance Quotes in Olathe, Kansas;With about 137,472 people, Olathe is a modern and growing city with lots to offer property buyers. The median price of a home here is $260,700, a bit above average.</qa>

<qa>5;Home Insurance Quotes in Topeka, Kansas;A bit more rural, Topeka is still home to a great deal of farms. However, it is also seeing fast development. It’s home to 126,587 people.  The median home in Topeka is $111,900.</qa>


Bonus: Most Expensive Homes in Kansas

Buying home insurance can seem expensive. Think about how much the owners of the most expensive homes in Kansas may be paying.


  • A 156-acre home at 21900 W. 175th Street in Olathe is valued at $13.3 million.
  • You could buy the home and land at 30485 W. 207th in Gardner for $12.6 million.
  • Check out the 5-bedroom home at 6405 Wenonga Road in Mission Hills valued at $9.25 million.