Best Homeowners Insurance in Kansas
Top Kansas home insurance companies
Cheapest homeowners insurance in Kansas: Shelter
Shelter has the cheapest homeowners insurance in Kansas at $3,227 a year, or $269 a month. This is 19% less than the next-cheapest rate of $330 a month from Marysville Mutual. It’s also 40% less than the state average of $451 a month.
Home insurance rates by company
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Shelter | $3,227 |  |
| Marysville Mutual | Marysville Mutual | $3,960 |  |
 | Travelers | $4,416 |  |
 | State Farm | $4,626 |  |
 | Allstate | $5,130 | |
 | Farm Bureau | $5,391 | |
 | American Family | $7,210 | |
 | Nationwide | $9,335 | |
Best Kansas home insurance companies
Cheap rates and good customer service help make Shelter the best home insurance company overall in Kansas. State Farm has the best shopping experience, while Allstate offers the best coverage features.
| Company | Best for | Annual rate | Customer satisfaction* | Complaint rating** |
|---|---|---|---|---|
| Shelter | Overall | $3,227 | Not rated | 0.3 |
| State Farm | Shopping experience | $4,626 | 643 | 1.05 |
| Allstate | Coverage features | $5,130 | 631 | 1.3 |
**Source: National Association of Insurance Commissioners. Lower is better; 1.0 is average
Best home insurance company overall: Shelter
Annual rate: $3,227
Along with low rates, Shelter has an excellent complaint rating
Shelter offers valuable add-ons as well as all the standard home insurance protections
PROS
- Cheapest average rates in Kansas
- Excellent complaint rating
- Add-ons for some home businesses and farming
CONS
- Instant quotes not available online
Best shopping experience: State Farm
Annual rate: $4,626
State Farm complements personalized services from its agents with a convenient online shopping platform. Its website can give you a home insurance quote in minutes. It also connects you to an agent for more help.
The company’s rates are cheaper than average, and it has good customer service scores. This includes a customer satisfaction rating
PROS
- Rates are 15% less than the state average
- Good customer satisfaction score
- User-friendly website for instant quotes
- Personalized service from local agents
CONS
- A few other companies have lower rates
Best policy features: Allstate
Annual rate: $5,130
Allstate offers policy features that can save you money down the line. For example, its Deductible Rewards program lowers your deductible
Like other large companies, Allstate offers instant quotes online. This makes it easy to compare Allstate’s rates to the quotes you get from other companies.
PROS
- Rates are cheaper than average
- Policy features can save you money in the future
- Widespread agent network for personalized service
CONS
- Customer service scores are worse than average
- Rates are only 5% less than state average
How much is homeowners insurance in Kansas?
The average cost of homeowners insurance in Kansas is $5,412 a year for a typical home. This works out to $451 a month.
The actual price you pay depends on factors like:
- Your home’s age and construction features
- The home’s location
- Your insurance history and credit
- Any discounts you may receive
Each company weighs these factors differently. This makes it good to compare home insurance quotes from a few different companies when you buy or renew your policy.
Home insurance rates by coverage amount
Your policy’s dwelling limit
Home insurance costs by dwelling limit
| Dwelling limit | Annual rate |
|---|---|
| $350,000 | $4,825 |
| $400,000 | $5,412 |
| $450,000 | $6,029 |
If you have a mortgage, your lender will make you insure your home at its replacement value
Kansas home insurance rates by city
At $4,384 a year, Baldwin City has the cheapest home insurance among Kansas’ cities and towns. Homeowners in Beeler have the most expensive home insurance at $6,721 a year.
Home insurance costs an average of $4,669 a year in Kansas City, or $389 a month. This is 14% less than the state average. Topeka homeowners pay an average of $414 a month, or 8% less than the average.
Home insurance rates near you
| City | Annual rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
| Difference from state average |
|---|---|---|
| Abbyville | $6,088 | 12% |
| Abilene | $5,046 | -7% |
| Admire | $4,946 | -9% |
| Agenda | $4,846 | -10% |
| Agra | $5,902 | 9% |
| Albert | $6,620 | 22% |
| Alden | $5,590 | 3% |
| Alexander | $6,511 | 20% |
| Allen | $4,902 | -9% |
| Alma | $4,945 | -9% |
| Almena | $5,966 | 10% |
| Alta Vista | $4,995 | -8% |
| Altamont | $5,016 | -7% |
| Alton | $6,075 | 12% |
| Altoona | $5,256 | -3% |
| Americus | $4,942 | -9% |
| Andale | $6,317 | 17% |
| Andover | $6,161 | 14% |
| Anthony | $5,974 | 10% |
| Arcadia | $4,880 | -10% |
| Argonia | $6,172 | 14% |
| Arkansas City | $5,934 | 10% |
| Arlington | $6,054 | 12% |
| Arma | $4,898 | -9% |
| Arnold | $6,243 | 15% |
| Ashland | $6,186 | 14% |
| Assaria | $5,387 | 0% |
| Atchison | $4,577 | -15% |
| Athol | $6,041 | 12% |
| Atlanta | $6,173 | 14% |
| Attica | $6,074 | 12% |
| Atwood | $5,529 | 2% |
| Auburn | $4,868 | -10% |
| Augusta | $6,131 | 13% |
| Aurora | $4,962 | -8% |
| Axtell | $4,707 | -13% |
| Baileyville | $4,735 | -13% |
| Baldwin City | $4,384 | -19% |
| Barnard | $5,292 | -2% |
| Barnes | $5,064 | -6% |
| Bartlett | $5,000 | -8% |
| Basehor | $4,578 | -15% |
| Baxter Springs | $5,130 | -5% |
| Bazine | $6,314 | 17% |
| Beattie | $4,884 | -10% |
| Beaumont | $6,160 | 14% |
| Beeler | $6,721 | 24% |
| Bel Aire | $6,302 | 16% |
| Belle Plaine | $6,119 | 13% |
| Belleville | $4,889 | -10% |
| Beloit | $5,051 | -7% |
| Belpre | $6,483 | 20% |
| Belvue | $4,787 | -12% |
| Bendena | $4,584 | -15% |
| Benedict | $5,285 | -2% |
| Bennington | $5,447 | 1% |
| Bentley | $6,332 | 17% |
| Benton | $6,153 | 14% |
| Bern | $4,618 | -15% |
| Berryton | $4,885 | -10% |
| Beverly | $5,235 | -3% |
| Bird City | $5,577 | 3% |
| Bison | $6,318 | 17% |
| Blue Mound | $4,811 | -11% |
| Blue Rapids | $5,025 | -7% |
| Bluff City | $5,894 | 9% |
| Bogue | $6,390 | 18% |
| Bonner Springs | $4,633 | -14% |
| Bremen | $4,839 | -11% |
| Brewster | $5,847 | 8% |
| Bronson | $5,048 | -7% |
| Brookville | $5,299 | -2% |
| Brownell | $6,605 | 22% |
| Bucklin | $6,191 | 14% |
| Bucyrus | $4,686 | -13% |
| Buffalo | $5,256 | -3% |
| Buhler | $6,063 | 12% |
| Bunker Hill | $6,618 | 22% |
| Burden | $6,016 | 11% |
| Burdett | $6,249 | 15% |
| Burdick | $4,987 | -8% |
| Burlingame | $4,931 | -9% |
| Burlington | $5,102 | -6% |
| Burns | $5,591 | 3% |
| Burr Oak | $5,028 | -7% |
| Burrton | $5,936 | 10% |
| Bushton | $5,379 | -1% |
| Byers | $6,420 | 19% |
| Caldwell | $6,012 | 11% |
| Cambridge | $6,054 | 12% |
| Caney | $5,412 | 0% |
| Canton | $5,537 | 2% |
| Carbondale | $4,911 | -9% |
| Cassoday | $6,044 | 12% |
| Catharine | $6,529 | 21% |
| Cawker City | $4,951 | -9% |
| Cedar | $6,061 | 12% |
| Cedar Point | $4,974 | -8% |
| Cedar Vale | $5,495 | 2% |
| Centerville | $4,882 | -10% |
| Centralia | $4,665 | -14% |
| Chanute | $4,947 | -9% |
| Chapman | $4,997 | -8% |
| Chase | $5,608 | 4% |
| Chautauqua | $5,501 | 2% |
| Cheney | $6,259 | 16% |
| Cherokee | $4,886 | -10% |
| Cherryvale | $5,312 | -2% |
| Chetopa | $4,991 | -8% |
| Chicopee | $4,887 | -10% |
| Cimarron | $6,194 | 14% |
| Circleville | $4,814 | -11% |
| Claflin | $6,428 | 19% |
| Clay Center | $5,016 | -7% |
| Clayton | $6,238 | 15% |
| Clearview City | $4,406 | -19% |
| Clearwater | $6,458 | 19% |
| Clifton | $5,054 | -7% |
| Clyde | $5,012 | -7% |
| Coats | $6,521 | 20% |
| Coffeyville | $5,191 | -4% |
| Colby | $5,630 | 4% |
| Coldwater | $6,268 | 16% |
| Collyer | $6,324 | 17% |
| Colony | $4,913 | -9% |
| Columbus | $4,985 | -8% |
| Colwich | $6,283 | 16% |
| Concordia | $5,044 | -7% |
| Conway Springs | $6,144 | 14% |
| Coolidge | $5,872 | 8% |
| Copeland | $6,175 | 14% |
| Corning | $4,769 | -12% |
| Cottonwood Falls | $4,982 | -8% |
| Council Grove | $4,978 | -8% |
| Courtland | $4,867 | -10% |
| Crestline | $4,935 | -9% |
| Cuba | $4,937 | -9% |
| Cummings | $4,720 | -13% |
| Cunningham | $6,020 | 11% |
| Damar | $6,308 | 17% |
| Danville | $6,263 | 16% |
| De Soto | $4,561 | -16% |
| Dearing | $5,048 | -7% |
| Deerfield | $6,152 | 14% |
| Delia | $4,844 | -10% |
| Delphos | $5,411 | 0% |
| Denison | $4,852 | -10% |
| Dennis | $5,059 | -7% |
| Denton | $4,597 | -15% |
| Derby | $6,192 | 14% |
| Dexter | $6,003 | 11% |
| Dighton | $5,977 | 10% |
| Dodge City | $6,173 | 14% |
| Dorrance | $6,315 | 17% |
| Douglass | $6,154 | 14% |
| Downs | $6,155 | 14% |
| Dresden | $6,053 | 12% |
| Durham | $5,153 | -5% |
| Dwight | $4,958 | -8% |
| Eastborough | $6,365 | 18% |
| Easton | $4,686 | -13% |
| Edgerton | $4,445 | -18% |
| Edna | $5,040 | -7% |
| Edson | $6,029 | 11% |
| Edwardsville | $4,677 | -14% |
| Effingham | $4,690 | -13% |
| El Dorado | $6,001 | 11% |
| Elbing | $6,084 | 12% |
| Elk City | $5,466 | 1% |
| Elk Falls | $5,585 | 3% |
| Elkhart | $5,785 | 7% |
| Ellinwood | $6,423 | 19% |
| Ellis | $6,314 | 17% |
| Ellsworth | $5,620 | 4% |
| Elmdale | $4,881 | -10% |
| Elsmore | $4,967 | -8% |
| Elwood | $4,597 | -15% |
| Emmett | $4,868 | -10% |
| Emporia | $5,015 | -7% |
| Englewood | $6,135 | 13% |
| Ensign | $6,361 | 18% |
| Enterprise | $4,943 | -9% |
| Erie | $5,017 | -7% |
| Esbon | $4,970 | -8% |
| Eskridge | $4,894 | -10% |
| Eudora | $4,449 | -18% |
| Eureka | $5,469 | 1% |
| Everest | $4,575 | -15% |
| Fairview | $4,558 | -16% |
| Fairway | $4,422 | -18% |
| Fall River | $5,443 | 1% |
| Falun | $5,440 | 1% |
| Farlington | $4,892 | -10% |
| Florence | $5,274 | -3% |
| Fontana | $4,800 | -11% |
| Ford | $6,302 | 16% |
| Formoso | $5,002 | -8% |
| Fort Dodge | $6,385 | 18% |
| Fort Leavenworth | $4,569 | -16% |
| Fort Riley | $4,904 | -9% |
| Fort Scott | $4,993 | -8% |
| Fostoria | $5,289 | -2% |
| Fowler | $6,028 | 11% |
| Frankfort | $5,018 | -7% |
| Franklin | $4,811 | -11% |
| Fredonia | $5,327 | -2% |
| Freeport | $6,214 | 15% |
| Frontenac | $4,877 | -10% |
| Fulton | $4,970 | -8% |
| Galena | $4,913 | -9% |
| Galesburg | $4,960 | -8% |
| Galva | $5,588 | 3% |
| Garden City | $6,062 | 12% |
| Garden Plain | $6,331 | 17% |
| Gardner | $4,429 | -18% |
| Garfield | $6,442 | 19% |
| Garland | $4,926 | -9% |
| Garnett | $4,905 | -9% |
| Gas | $5,058 | -7% |
| Gaylord | $6,063 | 12% |
| Gem | $5,784 | 7% |
| Geneseo | $5,653 | 4% |
| Geuda Springs | $6,037 | 12% |
| Girard | $4,921 | -9% |
| Glade | $6,009 | 11% |
| Glasco | $5,092 | -6% |
| Glen Elder | $5,042 | -7% |
| Goddard | $6,385 | 18% |
| Goessel | $5,118 | -5% |
| Goff | $4,843 | -11% |
| Goodland | $5,650 | 4% |
| Gorham | $6,391 | 18% |
| Gove | $6,030 | 11% |
| Grainfield | $6,037 | 12% |
| Grandview Plaza | $4,822 | -11% |
| Grantville | $4,674 | -14% |
| Great Bend | $6,396 | 18% |
| Greeley | $4,945 | -9% |
| Green | $4,918 | -9% |
| Greenleaf | $5,046 | -7% |
| Greensburg | $6,229 | 15% |
| Greenwich | $6,280 | 16% |
| Grenola | $5,590 | 3% |
| Gridley | $5,086 | -6% |
| Grinnell | $5,715 | 6% |
| Gypsum | $5,214 | -4% |
| Haddam | $4,980 | -8% |
| Halstead | $5,933 | 10% |
| Hamilton | $5,354 | -1% |
| Hanover | $4,969 | -8% |
| Hanston | $6,292 | 16% |
| Hardtner | $6,488 | 20% |
| Harper | $6,103 | 13% |
| Hartford | $4,979 | -8% |
| Harveyville | $4,891 | -10% |
| Havana | $5,403 | 0% |
| Haven | $6,108 | 13% |
| Havensville | $4,912 | -9% |
| Haviland | $6,337 | 17% |
| Hays | $6,311 | 17% |
| Haysville | $6,300 | 16% |
| Hazelton | $6,233 | 15% |
| Healy | $5,948 | 10% |
| Hepler | $4,980 | -8% |
| Herington | $4,994 | -8% |
| Herndon | $5,895 | 9% |
| Hesston | $5,835 | 8% |
| Hiawatha | $4,569 | -16% |
| Highland | $4,573 | -15% |
| Hill City | $6,234 | 15% |
| Hillsboro | $5,128 | -5% |
| Hillsdale | $5,255 | -3% |
| Hoisington | $6,456 | 19% |
| Holcomb | $5,957 | 10% |
| Hollenberg | $4,850 | -10% |
| Holton | $4,803 | -11% |
| Holyrood | $5,471 | 1% |
| Home | $5,055 | -7% |
| Hope | $5,006 | -8% |
| Horton | $4,646 | -14% |
| Howard | $5,587 | 3% |
| Hoxie | $5,896 | 9% |
| Hoyt | $4,829 | -11% |
| Hudson | $6,580 | 22% |
| Hugoton | $5,866 | 8% |
| Humboldt | $5,018 | -7% |
| Hunter | $5,089 | -6% |
| Hutchinson | $6,040 | 12% |
| Independence | $5,350 | -1% |
| Ingalls | $6,169 | 14% |
| Inman | $5,656 | 5% |
| Iola | $5,050 | -7% |
| Isabel | $6,384 | 18% |
| Iuka | $6,479 | 20% |
| Jamestown | $5,138 | -5% |
| Jennings | $6,086 | 12% |
| Jetmore | $6,182 | 14% |
| Jewell | $5,055 | -7% |
| Johnson City | $5,785 | 7% |
| Junction City | $4,820 | -11% |
| Kanopolis | $5,612 | 4% |
| Kanorado | $5,776 | 7% |
| Kansas City | $4,669 | -14% |
| Kechi | $6,233 | 15% |
| Kendall | $5,943 | 10% |
| Kensington | $5,980 | 10% |
| Kincaid | $4,899 | -9% |
| Kingman | $6,080 | 12% |
| Kinsley | $6,022 | 11% |
| Kiowa | $6,315 | 17% |
| Kirwin | $5,949 | 10% |
| Kismet | $6,052 | 12% |
| La Crosse | $6,313 | 17% |
| La Harpe | $4,974 | -8% |
| Lacygne | $4,818 | -11% |
| Lake City | $6,347 | 17% |
| Lake Quivira | $4,516 | -17% |
| Lakin | $5,889 | 9% |
| Lamont | $5,857 | 8% |
| Lancaster | $4,621 | -15% |
| Lane | $4,824 | -11% |
| Lansing | $4,462 | -18% |
| Larned | $6,200 | 15% |
| Latham | $6,063 | 12% |
| Lawrence | $4,414 | -18% |
| Le Roy | $5,036 | -7% |
| Leavenworth | $4,578 | -15% |
| Leawood | $4,457 | -18% |
| Lebanon | $6,216 | 15% |
| Lebo | $5,108 | -6% |
| Lecompton | $4,427 | -18% |
| Lehigh | $5,196 | -4% |
| Lenexa | $4,457 | -18% |
| Lenora | $6,132 | 13% |
| Leon | $5,979 | 10% |
| Leonardville | $4,978 | -8% |
| Leoti | $5,770 | 7% |
| Levant | $5,688 | 5% |
| Lewis | $6,065 | 12% |
| Liberal | $5,999 | 11% |
| Liberty | $5,294 | -2% |
| Liebenthal | $6,474 | 20% |
| Lincoln | $5,360 | -1% |
| Lincoln Center | $5,360 | -1% |
| Lincolnville | $5,261 | -3% |
| Lindsborg | $5,531 | 2% |
| Linn | $5,027 | -7% |
| Linwood | $4,529 | -16% |
| Little River | $5,542 | 2% |
| Logan | $5,922 | 9% |
| Long Island | $5,939 | 10% |
| Longford | $4,880 | -10% |
| Longton | $5,536 | 2% |
| Lorraine | $5,552 | 3% |
| Lost Springs | $5,091 | -6% |
| Louisburg | $4,692 | -13% |
| Lucas | $6,587 | 22% |
| Ludell | $5,863 | 8% |
| Luray | $6,048 | 12% |
| Lyndon | $4,901 | -9% |
| Lyons | $5,590 | 3% |
| Macksville | $6,347 | 17% |
| Madison | $5,379 | -1% |
| Mahaska | $4,959 | -8% |
| Maize | $6,239 | 15% |
| Manhattan | $4,956 | -8% |
| Mankato | $5,028 | -7% |
| Manter | $6,001 | 11% |
| Maple City | $5,770 | 7% |
| Maple Hill | $4,921 | -9% |
| Mapleton | $5,055 | -7% |
| Marienthal | $6,010 | 11% |
| Marion | $5,259 | -3% |
| Marquette | $5,677 | 5% |
| Marysville | $4,984 | -8% |
| Matfield Green | $5,035 | -7% |
| Mayetta | $4,816 | -11% |
| Mayfield | $6,138 | 13% |
| Mc Cracken | $6,457 | 19% |
| Mc Cune | $4,959 | -8% |
| Mc Donald | $5,639 | 4% |
| Mc Farland | $4,882 | -10% |
| Mc Louth | $4,571 | -16% |
| McConnell AFB | $6,270 | 16% |
| McPherson | $5,631 | 4% |
| Meade | $5,993 | 11% |
| Medicine Lodge | $6,340 | 17% |
| Melvern | $4,961 | -8% |
| Meriden | $4,659 | -14% |
| Merriam | $4,528 | -16% |
| Milan | $6,218 | 15% |
| Milford | $4,898 | -10% |
| Milton | $6,231 | 15% |
| Miltonvale | $5,090 | -6% |
| Minneapolis | $5,454 | 1% |
| Minneola | $6,173 | 14% |
| Mission | $4,486 | -17% |
| Mission Hills | $4,426 | -18% |
| Moline | $5,612 | 4% |
| Montezuma | $6,010 | 11% |
| Monument | $5,774 | 7% |
| Moran | $5,049 | -7% |
| Morganville | $4,892 | -10% |
| Morland | $6,325 | 17% |
| Morrill | $4,558 | -16% |
| Morrowville | $4,865 | -10% |
| Moscow | $6,110 | 13% |
| Mound City | $4,809 | -11% |
| Mound Valley | $5,211 | -4% |
| Moundridge | $5,601 | 3% |
| Mount Hope | $6,190 | 14% |
| Mulberry | $4,866 | -10% |
| Mullinville | $6,328 | 17% |
| Mulvane | $6,122 | 13% |
| Munden | $4,952 | -9% |
| Murdock | $6,009 | 11% |
| Muscotah | $4,688 | -13% |
| Narka | $4,763 | -12% |
| Nashville | $6,003 | 11% |
| Natoma | $6,093 | 13% |
| Neal | $5,538 | 2% |
| Nekoma | $6,535 | 21% |
| Neodesha | $5,423 | 0% |
| Neosho Falls | $5,023 | -7% |
| Neosho Rapids | $4,845 | -10% |
| Ness City | $6,330 | 17% |
| Netawaka | $4,675 | -14% |
| New Cambria | $5,207 | -4% |
| New Century | $4,523 | -16% |
| Newton | $5,823 | 8% |
| Nickerson | $6,085 | 12% |
| Niotaze | $5,591 | 3% |
| Norcatur | $5,950 | 10% |
| North Newton | $5,847 | 8% |
| Norton | $5,990 | 11% |
| Nortonville | $4,565 | -16% |
| Norway | $4,825 | -11% |
| Norwich | $6,050 | 12% |
| Oaklawn-Sunview | $6,337 | 17% |
| Oakley | $5,767 | 7% |
| Oberlin | $5,968 | 10% |
| Offerle | $6,231 | 15% |
| Ogallah | $6,310 | 17% |
| Ogden | $4,948 | -9% |
| Oketo | $4,871 | -10% |
| Olathe | $4,460 | -18% |
| Olmitz | $6,456 | 19% |
| Olpe | $4,965 | -8% |
| Olsburg | $4,954 | -8% |
| Onaga | $4,921 | -9% |
| Oneida | $4,640 | -14% |
| Opolis | $4,799 | -11% |
| Osage City | $4,966 | -8% |
| Osawatomie | $4,828 | -11% |
| Osborne | $6,174 | 14% |
| Oskaloosa | $4,579 | -15% |
| Oswego | $4,956 | -8% |
| Otis | $6,456 | 19% |
| Ottawa | $4,816 | -11% |
| Overbrook | $4,677 | -14% |
| Overland Park | $4,480 | -17% |
| Oxford | $6,040 | 12% |
| Ozawkie | $4,629 | -14% |
| Palco | $6,309 | 17% |
| Palmer | $4,918 | -9% |
| Paola | $4,718 | -13% |
| Paradise | $6,281 | 16% |
| Park | $6,068 | 12% |
| Park City | $6,264 | 16% |
| Parker | $4,867 | -10% |
| Parkerfield | $5,935 | 10% |
| Parsons | $5,054 | -7% |
| Partridge | $6,025 | 11% |
| Pawnee Rock | $6,440 | 19% |
| Paxico | $4,893 | -10% |
| Peabody | $5,136 | -5% |
| Peck | $6,176 | 14% |
| Penokee | $6,188 | 14% |
| Perry | $4,565 | -16% |
| Peru | $5,571 | 3% |
| Pfeifer | $6,558 | 21% |
| Phillipsburg | $5,875 | 9% |
| Piedmont | $5,637 | 4% |
| Pierceville | $6,664 | 23% |
| Piqua | $5,119 | -5% |
| Pittsburg | $4,848 | -10% |
| Plains | $6,019 | 11% |
| Plainville | $5,977 | 10% |
| Pleasanton | $4,833 | -11% |
| Plevna | $6,085 | 12% |
| Pomona | $4,813 | -11% |
| Portis | $6,217 | 15% |
| Potwin | $6,016 | 11% |
| Powhattan | $4,557 | -16% |
| Prairie View | $6,009 | 11% |
| Prairie Village | $4,413 | -18% |
| Pratt | $6,309 | 17% |
| Prescott | $4,843 | -11% |
| Pretty Prairie | $6,080 | 12% |
| Princeton | $4,864 | -10% |
| Protection | $6,172 | 14% |
| Quenemo | $4,902 | -9% |
| Quinter | $5,974 | 10% |
| Ramona | $5,046 | -7% |
| Randall | $4,930 | -9% |
| Randolph | $4,917 | -9% |
| Ransom | $6,471 | 20% |
| Rantoul | $4,771 | -12% |
| Raymond | $5,468 | 1% |
| Reading | $4,886 | -10% |
| Redfield | $5,014 | -7% |
| Republic | $4,827 | -11% |
| Rexford | $5,600 | 3% |
| Richfield | $6,011 | 11% |
| Richmond | $4,856 | -10% |
| Riley | $4,939 | -9% |
| Riverton | $4,894 | -10% |
| Robinson | $4,569 | -16% |
| Rock | $6,101 | 13% |
| Roeland Park | $4,444 | -18% |
| Rolla | $5,823 | 8% |
| Rosalia | $6,206 | 15% |
| Rose Hill | $6,238 | 15% |
| Rossville | $4,898 | -9% |
| Roxbury | $5,488 | 1% |
| Rozel | $6,201 | 15% |
| Rush Center | $6,336 | 17% |
| Russell | $6,420 | 19% |
| Sabetha | $4,599 | -15% |
| Salina | $5,237 | -3% |
| Satanta | $6,015 | 11% |
| Savonburg | $5,078 | -6% |
| Sawyer | $6,484 | 20% |
| Scammon | $4,984 | -8% |
| Scandia | $4,935 | -9% |
| Schoenchen | $6,563 | 21% |
| Scott City | $5,914 | 9% |
| Scranton | $4,899 | -9% |
| Sedan | $5,506 | 2% |
| Sedgwick | $5,935 | 10% |
| Selden | $5,942 | 10% |
| Seneca | $4,653 | -14% |
| Severy | $5,556 | 3% |
| Sharon | $6,422 | 19% |
| Sharon Springs | $5,557 | 3% |
| Shawnee | $4,468 | -17% |
| Silver Lake | $4,895 | -10% |
| Simpson | $5,104 | -6% |
| Smith Center | $6,028 | 11% |
| Soldier | $4,912 | -9% |
| Solomon | $5,077 | -6% |
| South Haven | $6,003 | 11% |
| South Hutchinson | $6,058 | 12% |
| Spearville | $6,167 | 14% |
| Spivey | $6,154 | 14% |
| Spring Hill | $4,661 | -14% |
| St. Francis | $5,628 | 4% |
| St. George | $4,900 | -9% |
| St. John | $6,355 | 17% |
| St. Marys | $4,815 | -11% |
| St. Paul | $5,038 | -7% |
| Stafford | $6,331 | 17% |
| Stark | $5,080 | -6% |
| Sterling | $5,568 | 3% |
| Stilwell | $4,544 | -16% |
| Stockton | $5,957 | 10% |
| Strong City | $4,990 | -8% |
| Sublette | $6,042 | 12% |
| Summerfield | $4,749 | -12% |
| Sun City | $6,546 | 21% |
| Sylvan Grove | $5,479 | 1% |
| Sylvia | $6,072 | 12% |
| Syracuse | $5,664 | 5% |
| Talmage | $4,998 | -8% |
| Tampa | $5,095 | -6% |
| Tecumseh | $4,985 | -8% |
| Tescott | $5,416 | 0% |
| Thayer | $4,991 | -8% |
| Tipton | $4,981 | -8% |
| Tonganoxie | $4,672 | -14% |
| Topeka | $4,972 | -8% |
| Toronto | $5,261 | -3% |
| Towanda | $6,125 | 13% |
| Treece | $5,041 | -7% |
| Tribune | $5,621 | 4% |
| Troy | $4,556 | -16% |
| Turon | $6,025 | 11% |
| Tyro | $5,430 | 0% |
| Udall | $6,045 | 12% |
| Ulysses | $5,910 | 9% |
| Uniontown | $4,971 | -8% |
| Utica | $6,418 | 19% |
| Valley Center | $6,213 | 15% |
| Valley Falls | $4,529 | -16% |
| Vassar | $4,877 | -10% |
| Vermillion | $4,742 | -12% |
| Victoria | $6,254 | 16% |
| Viola | $6,371 | 18% |
| Virgil | $5,479 | 1% |
| Wakarusa | $4,903 | -9% |
| Wakeeney | $6,268 | 16% |
| Wakefield | $5,017 | -7% |
| Waldo | $6,322 | 17% |
| Waldron | $6,016 | 11% |
| Walker | $6,476 | 20% |
| Wallace | $5,881 | 9% |
| Walnut | $4,990 | -8% |
| Walton | $5,820 | 8% |
| Wamego | $4,915 | -9% |
| Washington | $5,029 | -7% |
| Waterville | $5,017 | -7% |
| Wathena | $4,568 | -16% |
| Waverly | $4,974 | -8% |
| Webber | $4,991 | -8% |
| Weir | $4,915 | -9% |
| Welda | $4,865 | -10% |
| Wellington | $6,083 | 12% |
| Wellsville | $4,740 | -12% |
| Weskan | $5,919 | 9% |
| West Mineral | $4,961 | -8% |
| Westmoreland | $4,931 | -9% |
| Westphalia | $4,822 | -11% |
| Westwood | $4,440 | -18% |
| Westwood Hills | $4,439 | -18% |
| Wetmore | $4,607 | -15% |
| White City | $4,955 | -8% |
| White Cloud | $4,557 | -16% |
| Whitewater | $6,019 | 11% |
| Whiting | $4,656 | -14% |
| Wichita | $6,352 | 17% |
| Williamsburg | $4,877 | -10% |
| Wilmore | $6,348 | 17% |
| Wilsey | $4,880 | -10% |
| Wilson | $5,484 | 1% |
| Winchester | $4,595 | -15% |
| Windom | $5,598 | 3% |
| Winfield | $5,979 | 10% |
| Winona | $5,600 | 3% |
| Woodbine | $4,948 | -9% |
| Woodston | $6,038 | 12% |
| Wright | $6,426 | 19% |
| Yates Center | $5,208 | -4% |
| Zenda | $6,134 | 13% |
Does Kansas homeowners insurance cover tornadoes?
Standard Kansas homeowners insurance typically covers damage from tornadoes and hailstorms. However, you may have a separate deductible for wind damage than you do for other covered perils or hazards.
- Wind and hail deductibles are often offered as a percentage of your policy’s dwelling limit. If you choose a $300,000 dwelling limit with a 5% deductible, for example, you must pay the first $15,000 in wind damage repairs.
- The deductible for other perils is usually offered in a flat dollar amount, often between about $500 and $2,500.
- Wind deductibles tend to be higher than the deductible for other perils.
- Choosing higher deductibles lowers your rate. They also require you to spend more of your own money to rebuild after a disaster.
Flood insurance protection for Kansas homes
Kansas homeowners insurance does not cover flood damage. However, you can buy a separate flood insurance policy for protection from this risk.
If you have a mortgage and live in a high-risk flood zone, your lender will make you get flood insurance. But the coverage is optional if you don’t have a mortgage or live in a low- or moderate-risk area. You can find a home’s flood risk on the Federal Emergency Management Agency (FEMA) website.
Most flood insurance is bought through the FEMA-managed National Flood Insurance Program (NFIP). The average NFIP flood insurance cost in Kansas is $971 a year, or about $81 a month.
A few private companies also offer flood insurance. Some private flood insurance companies offer more coverage than NFIP. Unless you are buying flood insurance to close a loan, you have to wait 30 days for the coverage to kick in. Private flood insurance often has shorter waiting periods.
Most local home insurance agents can help you get flood insurance quotes. Start with your current agent, or speak with companies you contacted for home insurance quotes.
Methodology
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Kansas. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.