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One of the least fun, but most important things you can do as a homeowner is shop for homeowners insurance. The right policy can mean the difference between protecting your financial assets and suffering financial loss due to issues with your property. Here, we'll help you identify the best homeowners insurance in Kansas, show you the cheapest policies in the state, and outline key factors to look for in choosing a Kansas home insurance policy.
It's easy to see that Armed Forces Insurance offers the most competitive rates in the state in several homeowner categories. However, Armed Forces Insurance is only available to members of the military, former members of the military, and their families. For homeowners who do not qualify for Armed Forces Insurance coverage, Marysville Mutual and Bremen Farmers Mutual are also contenders, offering relatively cheap homeowners insurance in Kansas:
There's no doubt that moving into a new home can be exciting, made even more so by learning that homeowners insurance on a new structure can be purchased at a bargain price. Insurance companies see new homes as low risk and not likely to break down soon. Savings get passed on to the homeowner in the way of lower insurance premiums. Here are the three least expensive Kansas home insurance companies for newly built homes:
It is nearly impossible to beat the character and charm of an older home. At the same time, it's important to recognize that older homes come with their fair share of problems, like mold, leaks, and dry rot. For that reason, they tend to be more expensive to insure. Here are three Kansas insurers that have managed to keep the price of homeowners coverage down:
When peril hits, the right insurance policy may be all that stands between a homeowner and a financial hit. That alone is a great argument for why a comprehensive homeowners policy is vital. The only fly in the ointment is this: When a homeowner makes a claim, they can expect the price of their policy to spike for a while. For a Kansas homeowner who has made a claim, these three insurance companies offer the lowest rates in the state:
The average cost of homeowners insurance in Kansas is $3,012, nearly 43% higher than the national average of $1,725.
|Average Rate Category||Kansas||National Average|
|New home construction||$1,560||$943|
|When making a claim||$3,042||$1,803|
The best homeowners insurance in Kansas is a perfect blend of comprehensive coverage, low price, and great customer service. Here's a quick look at different types of Kansas home insurance coverage, how deductibles come into play, and how important the right discounts can be to the bottom line.
In total, there are eight types of policies. Only six of them apply to traditional, non-mobile homes. They range from bare-bones basic policies to policies that cover all the bells and whistles. The best homeowners insurance companies offer them all. More importantly, the best home insurance companies walk a homeowner through each option until they settle on a level of protection they're comfortable with.
There's no doubt that some insurance is better than none, but a homeowner should understand that a bare-bones policy may not fully cover all losses. The best move is to shop for a level of coverage that does not require the homeowner to provide a large sum of money following a perilous event. Ideally, a homeowner never wants to be out more than their deductible.
Speaking of deductibles, when a homeowner makes a claim, they typically pay a deductible toward the cost of repair or replacement. Let's say there's a roof leak and the cost of repair is $10,000. If there's a $500 deductible on the policy, the homeowner pays the contractor $500, and the insurance company covers the remaining $9,500. The lower the homeowner’s deductible, the higher the policy premium. One way to keep premiums low is to choose a higher deductible.
One of the best ways to land cheap homeowners insurance in Kansas is to take advantage of all discounts offered by an insurance company. Before deciding which policy is best, it pays to know how much each policy costs after discounts are factored in. Almost all insurance companies offer home insurance discounts. They cover a wide range of issues, from whether a home has an alarm system to whether a homeowner is a nonsmoker.
Identifying the most common Kansas home insurance claims can help a homeowner build a policy that makes them more secure.
Windstorms are easily one of the most common reasons for claims in Kansas. Strong winds lead to blowing objects, falling trees, damaged roofs, and other calamities. Damage can be cumulative. For example, a roof may get beat up a bit in a windstorm and shingles come loose. The next time a storm rolls around, the shingles are barely hanging on and more damage is done. And the next time there's a heavy rain, water works its way through the tar paper.
Nationally, lightning strikes and fire accounted for 25% of all homeowners insurance claims in 2019. Kansas is no exception. The Midwest is known for dramatic thunderstorms that produce intense lightning. Fires are not the top claim in the state, but are one of the most expensive issues insurance companies deal with.
On average, Kansas may only receive 19 inches of snow each year, but a single heavy snow can lead to leaky roofs, slip and falls, and other hazards around the house. There's also the risk of water damage caused by plumbing issues, broken pipes, and malfunctioning appliances.
The best homeowners insurance in Kansas provides a high level of coverage at an affordable price.
Here's how the eight types of homeowners insurance break down. The type a homeowner buys depends on two things: The type of dwelling coverage they need, and the level of coverage they seek.
A comprehensive policy may also include coverage for luxuries, such as a wine cellar, inlaid floors, or upgraded building materials. A homeowner can also buy additional coverage for valuable items like fine art, precious coins, or expensive jewelry.
Finding inexpensive homeowners insurance in Kansas depends, in part, on claiming as many discounts as possible. Discount options vary by insurance company. Here's a sampling of the most common:
Insurance companies take many factors into account as they determine premiums. They include things like:
Here are the five cheapest cities in Kansas for homeowners insurance:
|City Name||Average Home Insurance Rate|
Here are the five most expensive cities in the Sunflower State for homeowners insurance:
|City Name||Average Home Insurance Rate|
The best homeowners insurance in Kansas is the policy that includes all the coverage a homeowner needs to feel safe and comfortable at a price that feels like the homeowner landed a bargain.
Our Insurance Expert
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
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