Average Costs and Cheapest Homeowners Insurance Companies in Kansas

Travelers offers the cheapest homeowners insurance in Kansas, with a standard dwelling coverage of $100,000, costing on average $1,866 per year. It is also the cheapest for homeowners with pools and those with bad credit. Farmers is the cheapest for expensive properties, while Allstate is the cheapest for new homes.

MoneyGeek used costs and service measures to break down the best homeowners insurance providers in Kansas if you want to balance cost and quality.

MoneyGeek analyzed thousands of quotes from several insurers to determine the most affordable homeowners insurance provider in Kansas for various home coverages. We found Travelers to be the most affordable and widely available insurance company, at roughly $1,866 per year for $100,000 of home coverage.

MoneyGeek also found the following insurance providers to be the cheapest for various baseline dwelling coverages:

• Cheapest for $100,000: Travelers
• Cheapest for $250,000: Travelers
• Cheapest for $500,000: Farmers

USAA is the cheapest for all the listed categories of dwelling coverages, but we didn’t include them in our list because they only serve military members and their families.

The amount of dwelling coverage you need is determined by the cost of rebuilding your home. Compare rates for dwelling coverage that suits your home insurance requirements using the table below.

Homeowners' insurance premiums are largely influenced by the level of dwelling coverage you buy. In Kansas, a $100,000 baseline insurance on a dwelling costs an average of $2,878 per year.

The amount of coverage you choose for your home will have a direct impact on your insurance prices. If you want extra protection, you'll have to pay more money for more coverage. A $100,000 home insurance policy costs $2,878 per year on average, while a $3 million home insurance policy costs $61,115 per year on average. The difference in cost between the lowest and highest levels is $58,237.

Other factors that have an impact on the cost of your homeowners insurance are your home’s value, roof quality, location, personal property, proximity to a fire department, whether you own a pool, if you have an aggressive dog breed, your credit score, frequency of claims and deductible chosen, among others.

If you're weighing your options and trying to figure out how your rate could differ, you may experiment with different dwelling coverage limits, deductibles and limits to see how average Kansas rates will vary according to your requirements.

Moneygeek analyzed thousands of quotes to find the cheapest homeowners insurance company in Kansas for expensive properties.

On average, the two most cost-effective providers for expensive homeowner's insurance are:

• Farmers: $11,774 per year
• Allstate: $12,468 per year

MoneyGeek recommends that you shop around and compare quotes from at least three different home insurance providers in order to get the best possible prices for your expensive home.

Because of the more up-to-date construction methods and materials, newer houses are less expensive to insure. MoneyGeek averaged thousands of estimates to find Kansas' lowest-priced provider for newer homes with $250,000 in dwelling insurance.

On average, the cheapest insurance for newer homes in Kansas is from:

• Allstate: $2,053 per year
• Travelers: $2,429 per year

USAA is the cheapest, at roughly $1,592. But it’s only available to veterans, active-duty military personnel and families.

Your homeowners insurance premiums may go up if your home is older. Insurance premiums for newer homes in Kansas might be $1,513 cheaper than those for homes built around 2000.

Because of a different method for collecting ZIP codes for homes built in 2000, the figures in this section vary from those in the first section.

In Kansas, a newly built home's annual homeowner's insurance premium is $2,451. A home built before 2000, on the other hand, has an annual insurance cost of $3,964.

Because of the increased cost of repairing or replacing an older home, insurance premiums for these buildings tend to be more expensive. Besides the difficulty or cost of obtaining older materials, wear and tear must also be taken into consideration.

In order to find the best cheap insurance plans for homes with swimming pools, MoneyGeek gathered and evaluated thousands of quotes.

On average, Kansas's two cheapest insurance providers for a $250,000 policy for a home with a pool are:

• Travelers: $3,256 annually
• Farmers: $3,345 annually

The overall cheapest is USAA, at approximately $3,204 per year. However, they only serve homeowners from a military background.

Insurance premiums rise in direct proportion to the extent of coverage. As a result, homeowners with pools may see an increase in their insurance prices.

For dwelling coverage of $250,000, pool owners could pay around $3,973 in annual insurance costs. Similar coverage would cost $3,964 a year without a pool.

If you have bad credit, MoneyGeek can help you find a good insurance provider and insurance policy.

MoneyGeek ranked the top two home insurance companies in Kansas for homeowners with bad credit who were seeking $100,000 in baseline dwelling coverage. On average, they are:

• Travelers: $2,539 annually
• AAA: $3,002 annually

The second-best provider is USAA, at roughly $2,563 per year. They are the best for homeowners from military backgrounds.

If you have a bad credit rating, your home insurance premiums will be more than if you have a clean credit history. Insurance companies use credit scores to determine how likely someone is to file a claim.

When it comes to determining home insurance prices, insurance companies take into account a wide range of characteristics. Your credit history is one of them. Poor credit homeowners pay more than those with good credit, on average.

There is a roughly $3,088 difference in insurance costs for homeowners with poor credit versus those with excellent credit.

The cost of your home insurance depends on where you reside in the state. In Wichita, Kansas, Travelers insurance costs an average of $1,866 per year for homeowners insurance. This is $1,012 less than the city average across all companies.

When getting home insurance in Kansas, homeowners need to share some basic personal information with insurers to get a binding quote. This can include your name, address, contact information and social security number. Other considerations that carriers may look into are the current value of your home and the belongings inside it, its age, type and materials, the current condition of the house and the estimated cost for rebuilding. Inform the insurer if you have additional systems like a home security solution or solar energy panels. All of these play a role in determining your annual premium. Make sure you discuss these with the insurance provider to help you find the best homeowners insurance in Kansas suitable for your specific needs.

Using MoneyGeek's home insurance calculator in Kansas, you might be able to get an anonymous estimate of your premiums.

MoneyGeek analyzed homeowners insurance premiums from nine of the top insurance companies in Kansas that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Kansas. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $100,000, liability coverage of $100,000 and personal property coverage of $100,000.