Best Kansas Homeowners Insurance for 2026
Shelter is our pick for best overall home insurance in Kansas, but State Farm may have better rates.
Advertising Disclosures
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- Low rates and good customer service make Shelter the best homeowners insurance company in Kansas.
- Homeowners insurance costs an average of $4,595 a year in Kansas for a typical house.
- The increasing frequency of tornadoes and severe storms is making Kansas home insurance more expensive.
- Home insurance generally covers wind and hail from Kansas’ storms, but not floods.
Best homeowners insurance in Kansas
Shelter has the best homeowners insurance in Kansas with low rates and good customer service. It has an excellent complaint rating from the National Association of Insurance Commissioners (NAIC)
State Farm is the best company for cheap rates, and Auto-Owners has the best coverage options.
Best overall home insurance company in Kansas: Shelter
Average annual rate: $3,382
Why we chose it: Shelter’s 0.4 NAIC score means it gets 60% fewer complaints than the average company its size. That means that Shelter customers are usually happy with the company’s customer service and claims process.
Who it’s best for: Most homeowners. In addition to great customer service, Shelter’s home insurance rates, while not the cheapest, are still 26% less than the state average. The company also offers enhanced coverage for boats, home-based businesses and some farming activities.
PROS
- Excellent NAIC complaint rating
- Charges 26% less than the state average
- Extra protections for boats, home-based businesses and farming
CONS
- Not as cheap as State Farm
Best cheap home insurance in Kansas: State Farm
Average annual rate: $1,886
Why we chose it: State Farm charges 59% less than the state average for home insurance. It also has cheap car insurance in Kansas, which makes it affordable to bundle
Who it’s best for: Price-conscious insurance shoppers. State Farm’s affordable home and car insurance rates can help reduce some of the strains on your household budget. The company also offers useful add-on protections for your home. Unfortunately, State Farm’s home insurance customers are often not happy with their service — they log around 40% more complaints than average.
PROS
- Cheapest home insurance in Kansas
- Also offers cheap car insurance
- Online quotes make it easy to shop
CONS
- More complaints than average
Best home insurance for coverage options: Auto-Owners
Average annual rate: $3,970
Why we chose it: Auto-Owners offers several useful add-on protections for your home.
Who it’s best for: Forever homes. Auto-Owners’ coverage options provide long-term protections for your home. These include inland flood coverage for homes that don’t need all the protections of flood insurance. Its guaranteed replacement
Auto-Owners is not the cheapest company in Kansas, but it has several discounts that can make it more affordable.
PROS
- Useful add-on protections for your home
- Charges 14% less than the state average
- Very good NAIC complaint score
CONS
- Other companies are cheaper
- Doesn’t offer online quotes
Compare Kansas home insurance rates and ratings
Each company’s rates vary by customer. It’s good to compare home insurance quotes from a few companies to find the cheapest rate.
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,886 | 4/5 | 1.4 |
| Shelter | $3,381 | 4.5/5 | 0.4 |
 | Farmers | $3,410 |  3.5/5 | 0.7 |
| Auto-Owners | $3,970 | 4/5 | 0.5 |
 | Allstate | $4,432 | 4/5 | 1.2 |
 | Nationwide | $5,188 | 3.5/5 | 1.2 |
 | Farm Bureau | $6,261 | 3.5/5 | 0.6 |
 | American Family | $8,236 | 4/5 | 0.4 |
LendingTree analyzed home insurance quotes from every Kansas ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Kansas?
Homeowners insurance costs an average of $4,595 a year in Kansas, or $383 a month. This is 75% higher than the national average of $2,628 a year.
Average home insurance rates by dwelling coverage amount
The price you pay for home insurance depends on factors like your home’s age, location and features. The amount of coverage you need also affects your rate.
For example, it only costs $3,621 a year to insure a home for $300,000. This is 21% less than the average cost for a $400,000 policy.
The amount of coverage you need is determined by your home’s replacement value
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $1,586 | $1,886 | $2,285 | $2,744 |
| Shelter | $2,548 | $3,381 | $4,679 | $6,329 |
| Auto-Owners | $3,270 | $3,970 | $5,340 | $7,338 |
| State average | $3,621 | $4,595 | $6,040 | $7,906 |
Most insurance companies can help you estimate your home’s replacement value. You can help by gathering details about your home, including:
- The year it was built, plus square footage and number of floors
- Foundation type
- Flooring, countertop and cabinet materials
- Roof age, style and materials
You can find most of this by looking up your home on your county assessor’s website. If you have an older home, you should also let insurance companies know when your wiring, plumbing and heating were last updated.
Kansas home insurance rates by city
Insurance generally costs more in areas of Kansas with greater risks of storm damage.
At $5,721 a year, the city of Rush Center has the most expensive home insurance among Kansas’ cities and towns. Lawrence has the cheapest average rate, at $3,523 a year.
Homeowners in Topeka pay an average of $4,127 a year, or 10% less than the state average. Home insurance is slightly cheaper in Kansas City, where the rate is $3,872 a year.
| City | Annual rate |
|---|---|
| Abbyville | $5,089 |
| Abilene | $4,400 |
| Admire | $4,203 |
| Agenda | $4,229 |
| Agra | $5,244 |
| Albert | $5,476 |
| Alden | $4,964 |
| Alexander | $5,633 |
| Allen | $4,177 |
| Alma | $4,194 |
| Almena | $5,357 |
| Alta Vista | $4,244 |
| Altamont | $4,322 |
| Alton | $5,199 |
| Altoona | $4,355 |
| Americus | $4,146 |
| Andale | $5,432 |
| Andover | $5,134 |
| Anthony | $5,051 |
| Arcadia | $4,188 |
| Argonia | $5,181 |
| Arkansas City | $5,122 |
| Arlington | $5,137 |
| Arma | $4,166 |
| Arnold | $5,548 |
| Ashland | $5,493 |
| Assaria | $4,865 |
| Atchison | $3,706 |
| Athol | $5,262 |
| Atlanta | $5,071 |
| Attica | $5,089 |
| Atwood | $5,104 |
| Auburn | $4,089 |
| Augusta | $5,145 |
| Aurora | $4,347 |
| Axtell | $4,070 |
| Baileyville | $4,029 |
| Baldwin City | $3,530 |
| Barnard | $4,797 |
| Barnes | $4,191 |
| Bartlett | $4,232 |
| Basehor | $3,689 |
| Baxter Springs | $4,268 |
| Bazine | $5,652 |
| Beattie | $4,140 |
| Beaumont | $4,844 |
| Beeler | $5,564 |
| Bel Aire | $5,429 |
| Belle Plaine | $5,239 |
| Belleville | $4,238 |
| Beloit | $4,378 |
| Belpre | $5,388 |
| Belvue | $4,068 |
| Bendena | $3,744 |
| Benedict | $4,359 |
| Bennington | $4,869 |
| Bentley | $5,323 |
| Benton | $5,106 |
| Bern | $3,995 |
| Berryton | $4,008 |
| Beverly | $4,808 |
| Bird City | $5,118 |
| Bison | $5,671 |
| Blue Mound | $3,857 |
| Blue Rapids | $4,195 |
| Bluff City | $5,034 |
| Bogue | $5,420 |
| Bonner Springs | $3,751 |
| Bremen | $4,154 |
| Brewster | $5,201 |
| Bronson | $4,242 |
| Brookville | $4,885 |
| Brownell | $5,559 |
| Bucklin | $5,502 |
| Bucyrus | $3,788 |
| Buffalo | $4,361 |
| Buhler | $5,043 |
| Bunker Hill | $5,318 |
| Burden | $5,102 |
| Burdett | $5,468 |
| Burdick | $4,254 |
| Burlingame | $4,015 |
| Burlington | $4,239 |
| Burns | $4,615 |
| Burr Oak | $4,368 |
| Burrton | $4,985 |
| Bushton | $4,965 |
| Byers | $5,294 |
| Caldwell | $5,172 |
| Cambridge | $4,939 |
| Caney | $4,466 |
| Canton | $4,720 |
| Carbondale | $3,978 |
| Cassoday | $4,981 |
| Catharine | $5,432 |
| Cawker City | $4,409 |
| Cedar | $5,178 |
| Cedar Point | $4,357 |
| Cedar Vale | $4,919 |
| Centerville | $3,824 |
| Centralia | $4,026 |
| Chanute | $4,201 |
| Chapman | $4,306 |
| Chase | $5,053 |
| Chautauqua | $4,800 |
| Cheney | $5,321 |
| Cherokee | $4,187 |
| Cherryvale | $4,499 |
| Chetopa | $4,213 |
| Chicopee | $4,159 |
| Cimarron | $5,412 |
| Circleville | $3,926 |
| Claflin | $5,479 |
| Clay Center | $4,299 |
| Clayton | $5,580 |
| Clearview City | $3,802 |
| Clearwater | $5,377 |
| Clifton | $4,335 |
| Clyde | $4,289 |
| Coats | $5,244 |
| Coffeyville | $4,481 |
| Colby | $5,202 |
| Coldwater | $5,423 |
| Collyer | $5,518 |
| Colony | $4,144 |
| Columbus | $4,188 |
| Colwich | $5,369 |
| Concordia | $4,288 |
| Conway Springs | $5,216 |
| Coolidge | $5,005 |
| Copeland | $5,276 |
| Corning | $3,899 |
| Cottonwood Falls | $4,289 |
| Council Grove | $4,217 |
| Courtland | $4,295 |
| Crestline | $4,199 |
| Cuba | $4,249 |
| Cummings | $3,823 |
| Cunningham | $5,227 |
| Damar | $5,370 |
| Danville | $5,082 |
| De Soto | $3,729 |
| Dearing | $4,397 |
| Deerfield | $5,143 |
| Delia | $3,928 |
| Delphos | $4,766 |
| Denison | $3,919 |
| Dennis | $4,328 |
| Denton | $3,772 |
| Derby | $5,236 |
| Dexter | $5,049 |
| Dighton | $5,367 |
| Dodge City | $5,462 |
| Dorrance | $5,352 |
| Douglass | $5,120 |
| Downs | $5,241 |
| Dresden | $5,188 |
| Durham | $4,359 |
| Dwight | $4,230 |
| Eastborough | $5,406 |
| Easton | $3,850 |
| Edgerton | $3,723 |
| Edna | $4,309 |
| Edson | $5,138 |
| Edwardsville | $3,928 |
| Effingham | $3,850 |
| El Dorado | $5,052 |
| Elbing | $4,966 |
| Elk City | $4,510 |
| Elk Falls | $4,611 |
| Elkhart | $5,040 |
| Ellinwood | $5,510 |
| Ellis | $5,542 |
| Ellsworth | $5,020 |
| Elmdale | $4,302 |
| Elsmore | $4,228 |
| Elwood | $3,804 |
| Emmett | $3,861 |
| Emporia | $4,196 |
| Englewood | $5,367 |
| Ensign | $5,330 |
| Enterprise | $4,275 |
| Erie | $4,232 |
| Esbon | $4,380 |
| Eskridge | $4,144 |
| Eudora | $3,528 |
| Eureka | $4,789 |
| Everest | $3,816 |
| Fairview | $3,882 |
| Fairway | $3,864 |
| Fall River | $4,631 |
| Falun | $4,802 |
| Farlington | $4,175 |
| Florence | $4,398 |
| Fontana | $3,780 |
| Ford | $5,462 |
| Formoso | $4,343 |
| Fort Dodge | $5,357 |
| Fort Leavenworth | $3,701 |
| Fort Riley | $4,257 |
| Fort Scott | $4,048 |
| Fostoria | $3,995 |
| Fowler | $5,446 |
| Frankfort | $4,194 |
| Franklin | $4,163 |
| Fredonia | $4,390 |
| Freeport | $5,061 |
| Frontenac | $4,152 |
| Fulton | $3,996 |
| Galena | $4,134 |
| Galesburg | $4,253 |
| Galva | $4,766 |
| Garden City | $5,310 |
| Garden Plain | $5,501 |
| Gardner | $3,624 |
| Garfield | $5,448 |
| Garland | $4,232 |
| Garnett | $4,109 |
| Gas | $4,287 |
| Gaylord | $5,201 |
| Gem | $5,224 |
| Geneseo | $5,051 |
| Geuda Springs | $5,119 |
| Girard | $4,148 |
| Glade | $5,239 |
| Glasco | $4,350 |
| Glen Elder | $4,385 |
| Goddard | $5,520 |
| Goessel | $4,392 |
| Goff | $3,894 |
| Goodland | $5,178 |
| Gorham | $5,453 |
| Gove | $5,233 |
| Grainfield | $5,190 |
| Grandview Plaza | $4,091 |
| Grantville | $3,905 |
| Great Bend | $5,475 |
| Greeley | $4,111 |
| Green | $4,195 |
| Greenleaf | $4,289 |
| Greensburg | $5,532 |
| Greenwich | $5,284 |
| Grenola | $4,729 |
| Gridley | $4,189 |
| Grinnell | $5,249 |
| Gypsum | $4,518 |
| Haddam | $4,282 |
| Halstead | $4,931 |
| Hamilton | $4,633 |
| Hanover | $4,173 |
| Hanston | $5,471 |
| Hardtner | $5,277 |
| Harper | $5,104 |
| Hartford | $4,200 |
| Harveyville | $3,954 |
| Havana | $4,440 |
| Haven | $5,026 |
| Havensville | $3,910 |
| Haviland | $5,485 |
| Hays | $5,562 |
| Haysville | $5,355 |
| Hazelton | $5,114 |
| Healy | $5,307 |
| Hepler | $4,215 |
| Herington | $4,286 |
| Herndon | $5,112 |
| Hesston | $4,945 |
| Hiawatha | $3,802 |
| Highland | $3,773 |
| Hill City | $5,403 |
| Hillsboro | $4,366 |
| Hillsdale | $3,834 |
| Hoisington | $5,516 |
| Holcomb | $5,250 |
| Hollenberg | $4,119 |
| Holton | $3,944 |
| Holyrood | $5,018 |
| Home | $4,170 |
| Hope | $4,276 |
| Horton | $3,828 |
| Howard | $4,672 |
| Hoxie | $5,153 |
| Hoyt | $3,942 |
| Hudson | $5,341 |
| Hugoton | $5,113 |
| Humboldt | $4,270 |
| Hunter | $4,456 |
| Hutchinson | $5,117 |
| Independence | $4,442 |
| Ingalls | $5,359 |
| Inman | $4,913 |
| Iola | $4,280 |
| Isabel | $5,221 |
| Iuka | $5,246 |
| Jamestown | $4,396 |
| Jennings | $5,315 |
| Jetmore | $5,482 |
| Jewell | $4,386 |
| Johnson City | $5,063 |
| Junction City | $4,092 |
| Kanopolis | $5,019 |
| Kanorado | $5,126 |
| Kansas City | $3,872 |
| Kechi | $5,252 |
| Kendall | $5,043 |
| Kensington | $5,154 |
| Kincaid | $4,127 |
| Kingman | $5,199 |
| Kinsley | $5,432 |
| Kiowa | $5,218 |
| Kirwin | $5,289 |
| Kismet | $5,293 |
| La Crosse | $5,673 |
| La Harpe | $4,231 |
| Lacygne | $3,796 |
| Lake City | $5,215 |
| Lake Quivira | $3,820 |
| Lakin | $5,174 |
| Lamont | $4,654 |
| Lancaster | $3,757 |
| Lane | $3,847 |
| Lansing | $3,650 |
| Larned | $5,465 |
| Latham | $4,935 |
| Lawrence | $3,523 |
| Le Roy | $4,169 |
| Leavenworth | $3,692 |
| Leawood | $3,755 |
| Lebanon | $5,193 |
| Lebo | $4,023 |
| Lecompton | $3,636 |
| Lehigh | $4,346 |
| Lenexa | $3,749 |
| Lenora | $5,380 |
| Leon | $5,000 |
| Leonardville | $4,254 |
| Leoti | $5,184 |
| Levant | $5,220 |
| Lewis | $5,458 |
| Liberal | $5,244 |
| Liberty | $4,472 |
| Liebenthal | $5,564 |
| Lincoln | $4,823 |
| Lincoln Center | $4,804 |
| Lincolnville | $4,327 |
| Lindsborg | $4,800 |
| Linn | $4,272 |
| Linwood | $3,807 |
| Little River | $4,960 |
| Logan | $5,308 |
| Long Island | $5,307 |
| Longford | $4,291 |
| Longton | $4,593 |
| Lorraine | $5,033 |
| Lost Springs | $4,323 |
| Louisburg | $3,684 |
| Lucas | $5,283 |
| Ludell | $5,109 |
| Luray | $5,315 |
| Lyndon | $3,911 |
| Lyons | $4,964 |
| Macksville | $5,359 |
| Madison | $4,686 |
| Mahaska | $4,260 |
| Maize | $5,317 |
| Manhattan | $4,135 |
| Mankato | $4,368 |
| Manter | $5,042 |
| Maple City | $5,043 |
| Maple Hill | $4,030 |
| Mapleton | $3,998 |
| Marienthal | $5,170 |
| Marion | $4,388 |
| Marquette | $4,848 |
| Marysville | $4,153 |
| Matfield Green | $4,339 |
| Mayetta | $3,937 |
| Mayfield | $5,207 |
| Mc Cracken | $5,608 |
| Mc Cune | $4,215 |
| Mc Donald | $5,093 |
| Mc Farland | $4,054 |
| Mc Louth | $3,748 |
| McConnell AFB | $5,306 |
| McPherson | $4,835 |
| Meade | $5,380 |
| Medicine Lodge | $5,312 |
| Melvern | $3,985 |
| Meriden | $3,880 |
| Merriam | $3,862 |
| Milan | $5,172 |
| Milford | $4,191 |
| Milton | $5,108 |
| Miltonvale | $4,364 |
| Minneapolis | $4,816 |
| Minneola | $5,474 |
| Mission | $3,886 |
| Mission Hills | $3,813 |
| Moline | $4,706 |
| Montezuma | $5,356 |
| Monument | $5,206 |
| Moran | $4,249 |
| Morganville | $4,286 |
| Morland | $5,344 |
| Morrill | $3,886 |
| Morrowville | $4,226 |
| Moscow | $5,166 |
| Mound City | $3,824 |
| Mound Valley | $4,421 |
| Moundridge | $4,825 |
| Mount Hope | $5,181 |
| Mulberry | $4,146 |
| Mullinville | $5,485 |
| Mulvane | $5,313 |
| Munden | $4,263 |
| Murdock | $5,170 |
| Muscotah | $3,938 |
| Narka | $4,228 |
| Nashville | $5,091 |
| Natoma | $5,338 |
| Neal | $4,732 |
| Nekoma | $5,603 |
| Neodesha | $4,480 |
| Neosho Falls | $4,183 |
| Neosho Rapids | $4,229 |
| Ness City | $5,685 |
| Netawaka | $3,913 |
| New Cambria | $4,813 |
| New Century | $3,903 |
| Newton | $4,861 |
| Nickerson | $5,132 |
| Niotaze | $4,712 |
| Norcatur | $5,305 |
| North Newton | $4,929 |
| Norton | $5,376 |
| Nortonville | $3,810 |
| Norway | $4,259 |
| Norwich | $5,125 |
| Oaklawn-Sunview | $5,418 |
| Oakley | $5,313 |
| Oberlin | $5,249 |
| Offerle | $5,402 |
| Ogallah | $5,512 |
| Ogden | $4,277 |
| Oketo | $4,117 |
| Olathe | $3,727 |
| Olmitz | $5,541 |
| Olpe | $4,249 |
| Olsburg | $4,140 |
| Onaga | $4,070 |
| Oneida | $3,980 |
| Opolis | $4,192 |
| Osage City | $3,964 |
| Osawatomie | $3,813 |
| Osborne | $5,269 |
| Oskaloosa | $3,747 |
| Oswego | $4,218 |
| Otis | $5,567 |
| Ottawa | $3,830 |
| Overbrook | $3,842 |
| Overland Park | $3,781 |
| Oxford | $5,150 |
| Ozawkie | $3,871 |
| Palco | $5,342 |
| Palmer | $4,251 |
| Paola | $3,722 |
| Paradise | $5,292 |
| Park | $5,232 |
| Park City | $5,312 |
| Parker | $3,837 |
| Parkerfield | $5,123 |
| Parsons | $4,335 |
| Partridge | $5,061 |
| Pawnee Rock | $5,591 |
| Paxico | $4,163 |
| Peabody | $4,365 |
| Peck | $5,304 |
| Penokee | $5,368 |
| Perry | $3,689 |
| Peru | $4,772 |
| Pfeifer | $5,536 |
| Phillipsburg | $5,222 |
| Piedmont | $4,752 |
| Pierceville | $5,281 |
| Piqua | $4,295 |
| Pittsburg | $4,146 |
| Plains | $5,386 |
| Plainville | $5,404 |
| Pleasanton | $3,821 |
| Plevna | $5,218 |
| Pomona | $3,838 |
| Portis | $5,234 |
| Potwin | $5,077 |
| Powhattan | $3,898 |
| Prairie View | $5,285 |
| Prairie Village | $3,820 |
| Pratt | $5,343 |
| Prescott | $3,845 |
| Pretty Prairie | $5,149 |
| Princeton | $3,923 |
| Protection | $5,468 |
| Quenemo | $3,896 |
| Quinter | $5,318 |
| Ramona | $4,251 |
| Randall | $4,390 |
| Randolph | $4,165 |
| Ransom | $5,566 |
| Rantoul | $3,802 |
| Raymond | $5,040 |
| Reading | $3,986 |
| Redfield | $4,034 |
| Republic | $4,262 |
| Rexford | $5,198 |
| Richfield | $5,061 |
| Richmond | $3,874 |
| Riley | $4,218 |
| Riverton | $4,167 |
| Robinson | $3,773 |
| Rock | $5,033 |
| Roeland Park | $3,869 |
| Rolla | $5,068 |
| Rosalia | $4,987 |
| Rose Hill | $5,254 |
| Rossville | $4,083 |
| Roxbury | $4,722 |
| Rozel | $5,505 |
| Rush Center | $5,721 |
| Russell | $5,463 |
| Sabetha | $3,930 |
| Salina | $4,800 |
| Satanta | $5,326 |
| Savonburg | $4,227 |
| Sawyer | $5,327 |
| Scammon | $4,199 |
| Scandia | $4,272 |
| Schoenchen | $5,506 |
| Scott City | $5,272 |
| Scranton | $3,970 |
| Sedan | $4,806 |
| Sedgwick | $4,968 |
| Selden | $5,212 |
| Seneca | $4,011 |
| Severy | $4,655 |
| Sharon | $5,213 |
| Sharon Springs | $5,112 |
| Shawnee | $3,763 |
| Silver Lake | $4,086 |
| Simpson | $4,462 |
| Smith Center | $5,255 |
| Soldier | $3,976 |
| Solomon | $4,453 |
| South Haven | $5,174 |
| South Hutchinson | $5,126 |
| Spearville | $5,474 |
| Spivey | $5,100 |
| Spring Hill | $3,770 |
| St. Francis | $5,164 |
| St. George | $3,958 |
| St. John | $5,428 |
| St. Marys | $3,937 |
| St. Paul | $4,230 |
| Stafford | $5,354 |
| Stark | $4,229 |
| Sterling | $5,047 |
| Stilwell | $3,782 |
| Stockton | $5,341 |
| Strong City | $4,259 |
| Sublette | $5,380 |
| Summerfield | $4,052 |
| Sun City | $5,217 |
| Sylvan Grove | $4,876 |
| Sylvia | $5,256 |
| Syracuse | $5,026 |
| Talmage | $4,373 |
| Tampa | $4,318 |
| Tecumseh | $4,076 |
| Tescott | $4,808 |
| Thayer | $4,327 |
| Tipton | $4,464 |
| Tonganoxie | $3,834 |
| Topeka | $4,127 |
| Toronto | $4,364 |
| Towanda | $5,092 |
| Treece | $4,254 |
| Tribune | $5,068 |
| Troy | $3,720 |
| Turon | $5,186 |
| Tyro | $4,495 |
| Udall | $5,219 |
| Ulysses | $5,196 |
| Uniontown | $4,231 |
| Utica | $5,480 |
| Valley Center | $5,269 |
| Valley Falls | $3,917 |
| Vassar | $3,864 |
| Vermillion | $4,040 |
| Victoria | $5,549 |
| Viola | $5,286 |
| Virgil | $4,614 |
| Wakarusa | $4,088 |
| Wakeeney | $5,627 |
| Wakefield | $4,285 |
| Waldo | $5,285 |
| Waldron | $5,035 |
| Walker | $5,485 |
| Wallace | $5,127 |
| Walnut | $4,248 |
| Walton | $4,980 |
| Wamego | $4,017 |
| Washington | $4,212 |
| Waterville | $4,175 |
| Wathena | $3,710 |
| Waverly | $4,197 |
| Webber | $4,314 |
| Weir | $4,202 |
| Welda | $4,143 |
| Wellington | $5,088 |
| Wellsville | $3,745 |
| Weskan | $5,116 |
| West Mineral | $4,281 |
| Westmoreland | $4,097 |
| Westphalia | $4,129 |
| Westwood | $3,867 |
| Westwood Hills | $3,867 |
| Wetmore | $3,921 |
| White City | $4,262 |
| White Cloud | $3,786 |
| Whitewater | $5,016 |
| Whiting | $3,884 |
| Wichita | $5,388 |
| Williamsburg | $3,913 |
| Wilmore | $5,321 |
| Wilsey | $4,259 |
| Wilson | $4,903 |
| Winchester | $3,841 |
| Windom | $4,876 |
| Winfield | $5,080 |
| Winona | $5,152 |
| Woodbine | $4,262 |
| Woodston | $5,259 |
| Wright | $5,458 |
| Yates Center | $4,310 |
| Zenda | $5,168 |
Current state of homeowners insurance in Kansas
If you already own a home, you know how expensive homeowners insurance can get in Kansas. The state’s home insurance rates have gone up by an average of 42% since 2020.
These increases are based on increasingly destructive storms and rising construction costs. Insurance companies spent nearly twice as much on claims in 2025 as they did in 2023, according to the Kansas Department of Insurance. They have passed these costs along to homeowners in the form of higher insurance rates.
As rates rise, it’s important to shop around for cheaper homeowners insurance. Here are a few ways you can save money on home insurance:
-
Raise your deductible: You’ll pay less for insurance with a higher deductible
, but more out of your own pocket for repairs.A deductible is your share of costs for an insurance claim. Your insurance company covers the rest.
- Strengthen your home: Wind- and hail-resistant roofing and windows can limit damage to your home. They can sometimes also get you a home insurance discount.
- Avoid minor claims: A claim of any size usually raises your rate, and too many claims can get you dropped. You’re generally better off paying for minor repairs yourself and saving insurance for really large expenses.
Tornadoes, hailstorms and thunderstorms are the major drivers of Kansas’ home insurance rates. Home insurance typically covers wind and hail. It usually also covers water that gets into your home through a wind-damaged window or roof.
Homeowners insurance does not cover weather-related flooding, including flooding that accompanies a thunderstorm. You would need to get separate flood insurance to protect against this risk.
How much is flood insurance in Kansas?
Flood insurance costs an average of $1,062 a year in Kansas, or $89 a month. It’s required for a mortgage if your home is in a high-risk flood zone. It’s optional in other situations, but often worth considering.
Most people buy flood insurance through the government-run National Flood Insurance Program (NFIP). A few private companies also offer it.
You can ask your current insurance agent, or ones you shop with, for an NFIP quote. Neptune Flood is a good company to start with for private flood insurance quotes.
Auto-Owners’ inland flood coverage add-on doesn’t meet lender flood insurance requirements. It’s also designed specifically for low-to-moderate-risk zones. Flood insurance usually provides more protection than add-ons like this.
How to compare homeowners insurance companies in Kansas
Shopping around for home insurance can help you save money. Consider these tips to save time when comparing home insurance quotes:
- Find your declarations: Your current policy’s declarations page summarizes your coverage, limits and deductibles. You can share it with other insurance companies to get quotes faster.
- Prepare to bundle: Most companies give you a big discount for bundling your home and auto insurance with them. Get quotes for both policies to compare combined rates.
- Review the details: Your coverage limits may vary slightly by company. You should still make sure information about you and your home is listed accurately in each quote.
- Compare apples to apples: Your coverage options and deductible should be roughly the same for each quote so you can be sure the quotes are for equal comparisons.
- Ask about discounts: Some discounts are automatically applied to your quote, but be sure not to overlook any that you might be eligible for.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by law in Kansas. However, most lenders make you get it for a mortgage. If your policy lapses, your lender may buy homeowners insurance for you, also called “force-placed insurance.” The lender will then incorporate the cost of that insurance into your monthly mortgage payments. Force-placed policies usually cost more than normal home insurance and provide less protection, so it’s best not to let your home insurance lapse.
The Kansas FAIR Plan insures homes that can’t get coverage from standard insurance companies. You can get a FAIR Plan policy if at least three companies reject your application and your home passes an inspection. Any licensed home insurance agent in Kansas can help you apply.
Kansas law requires home insurance companies to investigate your claim within 30 days. They are required to notify you in writing if they need more time. The state does not have a specific deadline for when your claim has to be settled.
Methodology
How we chose the best homeowners insurance in Kansas
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Kansas ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included the NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores show how well companies treat customers over things like claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.