Cheapest Homeowners Insurance in Kansas (2024 Rates)

In Kansas, Shelter and Auto-Owners cater to different budgetary needs with their competitive home insurance rates. For instance, For instance, Shelter stands out as the most budget-friendly option for coverage under $100K for individuals with poor credit and new homes. At the same time, Auto-Owners offers the most affordable rates for high-value homes and those with claims history.

In Kansas, Shelter offers the best deal for $100K in dwelling coverage at just $1,151 per year. Bear in mind, home insurance rates can vary based on your dwelling coverage. Here's a snapshot of the cheapest companies:

• Cheapest for $100,000: Shelter at $1,151 per year
• Cheapest for $250,000: Auto-Owners Insurance at $1,979 per year
• Cheapest for $500,000: Auto-Owners Insurance at $3,327 per year

Examine <a href=""https://www.moneygeek.com/insurance/homeowners/cheap-homeowners-insurance/"">cheap home insurance rates using MoneyGeek's table to see how costs differ by dwelling coverage.

Finding low-cost home insurance in Kansas means checking prices from various insurers, which can take some time. Use MoneyGeek's home insurance calculator for hassle-free Kansas quotes without providing personal details initially.

Auto-Owners provides affordable home insurance for high-value homes in Kansas, offering the lowest rate for $750K Dwelling Coverage at $5,082 per year. Dwelling coverage significantly influences home insurance costs, and high-value homes usually have higher expenses. Here are the cost-effective options:

• Cheapest for $750,000: Auto-Owners at $5,082 per year
• Cheapest for $1MM: American Family at $6,769 per year

We recommend purchasing dwelling coverage equal to your home’s replacement cost. Review MoneyGeek’s table and see how costs change for high-value homes.

Shelter offers cost-effective home insurance for new homes in Kansas, providing $100K in dwelling coverage at an annual premium of $682. Modern construction standards and up-to-date safety features in new Kansas homes reduce susceptibility to damage, making them typically cheaper to insure. For higher dwelling coverage values, here are Kansas's most affordable providers:

• Cheapest for $100,000: Shelter at $682 per year
• Cheapest for $250,000: Auto-Owners at $1,313 per year
• Cheapest for $500,000: Allstate at $1,856 per year

MoneyGeek's comprehensive table provides a broader snapshot of how costs vary for newly built homes based on dwelling coverage. With this understanding, you're better positioned to get the most protection for your investment at the best price.

In Kansas, Shelter provides the most economical home insurance for individuals with poor credit, charging $2,401 annually for $100K in dwelling coverage. Insurers evaluate credit scores to determine the likelihood of policyholder default, which greatly affects insurance premiums.

• Cheapest for $100,000: Shelter at $2,401 per year
• Cheapest for $250,000: American Family at $4,578 per year
• Cheapest for $500,000: American Family at $6,686 per year

Having poor credit can lead to higher premiums. The average annual cost for $100K in dwelling coverage for those with poor credit is significantly higher at $9,519, $7,559 higher compared to the rates for individuals with good credit.

Auto-Owners offers the least expensive home insurance in Kansas for homeowners with one claim in the past 5 years and a $100K dwelling coverage limit, costing an average of $1,244 annually. Keep in mind, if you've made claims in the past, insurance companies might charge you more in the future because they factor in risks when setting prices.

Below are the most affordable options for various coverage levels if you've had at least one claim in the past five years.

• Cheapest for $100,000: Auto-Owners $1,244 per year
• Cheapest for $250,000: Auto-Owners $1,979 per year
• Cheapest for $500,000: Auto-Owners $3,327 per year

Note that having more claims will increase your cost. For $100K in dwelling coverage, homeowners with no claims in the past five years pay, on average, $586 less than those with two claims.

The type of construction and the materials used for the roof have a direct impact on the cost of your homeowners insurance. A frame-type construction home with a shake-treated roof in Kansas will see the lowest annual premium from Shelter at a cost of $1,151. This cost is attributed to the inherent risks, such as susceptibility to weather damage associated with these materials, that may lead to more insurance claims.

Here are the cheapest options per coverage value:

• Cheapest for $100,000: Shelter at $1,151
• Cheapest for $250,000: Auto-Owners at $2,374
• Cheapest for $500,000: Auto-Owners at$3,992

Homes with superior construction and tile roofs incur lower insurance costs due to their resiliency to Kansas weather conditions. This results in an average savings of $633 annually compared to frame-type construction homes with shake-treated roofs.

You can get savings on your premium by increasing your deductible. In Kansas, opting for a $2,000 deductible will get you the best deal at Shelter with an annual premium of $960. Yet, choosing a $500 deductible makes Auto-Owners Insurance the cheapest at $1273 per year.

See the cheapest provider in Kansas for each deductible:

• $2,000: Shelter at $960 per year
• $1,500: Shelter at $1045 per year
• $1,000: Shelter at $1151 per year
• $500: Auto-Owners Insurance at $1273 per year

In home insurance, the deductible represents the amount you're responsible for in a claim. On average, there's a $406 cost difference between a $500 and $2,000 deductible in Kansas.

The most affordable home and auto bundle policy in Kansas comes from Auto-Owners, offering an annual premium of $2,970. Bundling home and auto insurance together provides significant discounts.

• Auto-Owners at $2,970 per year
• State Farm at $3,050 per year

Beyond savings, bundling adds the convenience of managing both policies with the same insurer. This helps streamline the insurance buying process, efficiently allowing customers to deal with a single point of contact. Learn more about the best Kansas insurance bundle to explore these benefits further.

Auto-Owners provides the most affordable home insurance in numerous Kansas cities, with rates spanning from $995 to $1,052. Differences in city costs can be sparked by varying local building codes, crime rates and weather threats. For instance:

• Kansas City boasts the least expensive annual premium for its cheapest company, Shelter, at $940.
• Wichita presents the highest annual premium for its cheapest company, Shelter, at $1,531.

It’s important to shop around due to insurers' unique geographic pricing methods, which can lead to considerable savings.