Best Homeowners Insurance in Kansas (2024)


Auto-Owners is Kansas's premier home insurance provider, excelling in both affordability and quality. For homeowners prioritizing cost, Auto-Owners is the most economical choice. It also caters to those with new or expensive homes.

Our selections are based on a standard $100,000 dwelling coverage limit. The dwelling coverage amount directly affects your insurance cost; learn more about finding your ideal coverage level.

Further analysis by MoneyGeek reveals the cheapest home insurance in Kansas for budget-focused policyholders.

MoneyGeek Logo IconBest HomeInsuranceKansas
2024

Why Trust MoneyGeek? To pinpoint the top homeowners insurance in Kansas, we've analyzed information from the Kansas Department of Insurance and data provided by Quadrant Information Services.

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Home insurance rates in Kansas represent the latest quotes as of July 2024.

1,382,400Quotes Analyzed
 
8Companies Compared
 
14ZIP Codes

Overall Best Homeowners Insurance in Kansas

Auto-Owners offers the best home insurance in Kansas. Take a look at the overall best homeowners insurance providers in Kansas below:

  • Auto-Owners: MoneyGeek score of 98 out of 100 ($1,352 per year)
  • State Farm: MoneyGeek score of 90 out of 100 ($1,455 per year)

Although Kansas residents have access to a variety of insurance companies, offering different costs and service experiences, it's vital to find the right balance for your needs.

Company logo for Auto-Owners Insurance
Best OverallAuto-Owners Insurance
MoneyGeek Score:
98/ of 100

Overview

Auto-Owners achieves the highest score in coverage for residents in Kansas. The company offers a competitive average annual premium of $1,352.

With Auto-Owners Insurance, Kansas homeowners can add guaranteed replacement cost coverage, offering full property reconstruction irrespective of policy limits after a covered loss. Additionally, homeowners can benefit from scheduled personal expense, providing expansive safeguards for personal items against damages or loss, with broader protection compared to standard policies.

Best Homeowners Insurance in Kansas for Customer Service

Auto-Owners emerges as the provider of the best home insurance in Kansas based on service quality. Homeowners seeking top-notch support and reliability can take a look at the best homeowners insurance providers in Kansas for service quality below:

  • Auto-Owners: MoneyGeek score of 98 out of 100 ($1,352 per year)
  • American Family: MoneyGeek score of 87 out of 100 ($2,118 per year)

Valuing service quality in a home insurance provider means prioritizing customer satisfaction, dependable support, and comprehensive coverage options.

Company logo for Auto-Owners Insurance
Best for ServiceAuto-Owners Insurance
MoneyGeek Score:
98/ of 100

Overview

Auto-Owners has an impressive customer satisfaction score and an average annual premium for home insurance of $1,352.

Homeowners can enjoy additional peace of mind with Auto-Owners guaranteed replacement cost coverage, which helps replace a home even if costs exceed the policy limits. Furthermore, equipment breakdown coverage is invaluable, safeguarding against losses from mechanical or electrical failures that could be costly to repair or replace.

Best Cheap Homeowners Insurance in Kansas

Auto-Owners offers the best affordable home insurance in Kansas for those on a budget. Take a look at the best and cheapest homeowners insurance providers in Kansas for those on a budget below:

  • Auto-Owners: MoneyGeek score of 99 out of 100 ($1,352 per year)
  • State Farm: MoneyGeek score of 93 out of 100 ($1,455 per year)

With an affordability score of 74 out of 75, Auto-Owners Insurance emerges as the most budget-friendly option. Considering the average cost of home insurance in Kansas, it's wise to select a provider that delivers a balance between economical rates and reliable service.

Company logo for Auto-Owners Insurance
Best CheapAuto-Owners Insurance
MoneyGeek Score:
99/ of 100

Overview

Auto-Owners Insurance scores high in affordability for Kansas homeowners on a budget, with an average annual premium of $1,352.

Auto-Owners Insurance helps owners streamline their expenses through common discounts like bundle and reasonably common discounts such as claims free. Bundle saves on premiums when combining multiple policies; claims dree rewards a favorable claims history with lower rates.

Best Homeowners Insurance in Kansas for Expensive Homes

Auto-Owners Insurance stands out as the premier choice for homeowners insurance in Kansas for pricey properties. These providers are among the best in Kansas, offering substantial dwelling coverage up to $1 million.

  • Auto-Owners Insurance: MoneyGeek score of 95 out of 100 ($8,741 per year)
  • American Family: MoneyGeek score of 93 out of 100 ($6,889 per year)

Auto-Owners is a provider that blends affordability with quality.

Company logo for Auto-Owners Insurance
Best for Expensive HomesAuto-Owners Insurance
MoneyGeek Score:
95/ of 100

Overview

Auto-Owners Insurance stands out as the top choice for homeowners with expensive homes in Kansas. The average annual premium for these homeowners is $8,741. Homeowners can lower this premium even further by taking advantage of common discounts, such as the protective device discount, which offers savings for installing safety devices like smoke detectors and burglar alarms.

Auto-Owners Insurance complements its core policy with additional coverage options including guaranteed replacement cost, which ensures full home replacement in case of a total loss.

Best Homeowners Insurance in Kansas for New Homes

Auto-Owners offers the best home insurance in Kansas for new homes. Providers listed here represent the premier choices for homeowners seeking $500K in dwelling coverage for new properties within the state.

  • Auto-Owners: MoneyGeek score of 100 out of 100 ($2,353 per year)
  • Nationwide: MoneyGeek score of 80 out of 100 ($2,439 per year)

With an impressive affordability score of 55 and a remarkable service score of 30, Auto-Owners Insurance ensures homeowners in Kansas experience outstanding value. It perfectly balances cost-effectiveness with customer service excellence.

Company logo for Auto-Owners Insurance
Best for New HomesAuto-Owners Insurance
MoneyGeek Score:
100/ of 100

Overview

Auto-Owners tops the chart as the best home insurance provider for new homes in Kansas, boasting a perfect affordability score of 55 out of 55 and an average annual premium of $2,353.

Auto-Owners offers a responsible payment' discount for consistent on-time payments, rewarding fiscal responsibility. Additionally, the automatic backup generator discount provides savings for incorporating a backup power solution, enhancing home safety and reliability.

Best Homeowners Insurance in Kansas for Veterans

For veterans and military members seeking superior home insurance options in Kansas, Auto-Owners is the standout provider with the highest MoneyGeek score. Their annual premium is at $1,352. In Kansas, veterans and military families have access to the finest and most affordable homeowners insurance options, listed below:

  • Auto-Owners Insurance: MoneyGeek score of 98 out of 100 ($1,352 per year)
  • State Farm: MoneyGeek score of 90 out of 100 ($1,455 per year)

The ideal home insurance company for veterans recognizes their particular requirements. This includes accommodating for frequent moves and the eventuality of deployment, ensuring their home and possessions are safeguarded in every situation.

Company logo for Auto-Owners Insurance
Best for VeteransAuto-Owners Insurance
MoneyGeek Score:
98/ of 100

Overview

Auto-Owners is the premier home insurance choice for veterans in Kansas, with impressive affordability and customer claims satisfaction. The average annual premium is approximately $1,352.

Veterans may find value in the responsible payment and mortgage-free discounts, which reward consistent on-time payments and owning a home without a mortgage, respectively. Both options provide an avenue for reduced premiums, encouraging responsible financial management and the benefits of mortgage-free homeownership.

How to Find the Best Homeowners Insurance in Kansas for You

The ideal coverage for you hinges on your individual requirements, which may vary widely from one homeowner to another. We have provided key steps for identifying your best match in homeowners insurance.

  1. 1
    Assess Your Insurance Needs

    Initiate the process by evaluating the specific insurance requirements for your property. This will involve considering factors such as location value and potential risks to determine precisely how much insurance you need.

  2. 2
    Research Various Providers

    Next, undertake a thorough investigation of potential insurance providers. Look for companies with strong financial stability, positive customer reviews and a history of reliable claims service.

  3. 3
    Compare Coverage and Costs

    Once you've identified potential insurance providers, it's essential to examine their policy offerings side by side. Focus on the extent of coverage, deductibles and premium costs. For assistance, you can compare home insurance quotes from several companies.

  4. 4
    Understand the Policy Details

    Pay close attention to coverage limits, exclusions and conditions while carefully examining the policy. Make sure that you fully understand the terms and how they would apply in various scenarios.

  5. 5
    Consult with an Independent Agent

    Lastly, consider obtaining advice from an independent insurance agent. These professionals can offer unbiased insights, help you navigate the complexity of different policies, and may even find deals that you might have missed.

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DOES HOME INSURANCE COVER FLOOD DAMAGE IN KANSAS?

In Kansas, there’s no legal requirement to have flood insurance. Yet, considering the unpredictable weather, having flood insurance in Kansas can offer crucial protection.

FAQ: Homeowners Insurance in Kansas

Finding the best homeowners insurance provider in Kansas hinges on your unique needs and preferences. To aid in your decision-making, explore the frequently asked questions below which are tailored to Kansas residents.

Which insurance company is best for home insurance in Kansas?
Who has the most affordable homeowners insurance in Kansas?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.