The Best Cheap Kansas Homeowners Insurance for 2023

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.

• Cheapest overall for Kansas: Armed Forces Insurance
• Cheapest for new home construction: Armed Forces Insurance
• Cheapest for older homes: Armed Forces Insurance
• Cheapest for homeowners who have filed a claim: Auto-Owners

Cheapest overall for Kansas

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:

• Armed Forces Insurance, with an average annual rate of $1,808
• Marysville Mutual, coming in at an average rate of $2,103
• Bremen Farmers Mutual, with an average annual rate of $2,495

Cheapest for new home construction

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:

• Armed Forces Insurance, offering an average annual rate of $761
• Nationwide, with an average annual rate of $853
• Auto-Owners, with an average annual rate of $1,208

Cheapest for older 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:

• Armed Forces Insurance, with an average annual rate of $1,534
• Auto-Owners, offering an average annual rate of $1,857
• Marysville Mutual, with an average annual rate of $2,032

Cheapest when you've made a claim

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:

• Auto-Owners, offering a forgiving rate of $1,797
• Armed Forces Insurance, coming in with an average annual rate of $1,838
• Marysville Mutual, offering an average annual rate of $1,981

Average home insurance cost in Kansas compared to the national average

The average cost of homeowners insurance in Kansas is $3,012, nearly 43% higher than the national average of $1,725.

Kansas homeowners insurance overview

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.

Different types of homeowners coverage

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.

Level of coverage

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.

Amount of 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.

Potential discounts

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.

What are the most common homeowners insurance claims in Kansas?

Identifying the most common Kansas home insurance claims can help a homeowner build a policy that makes them more secure.

Windstorms

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.

Lightning strikes and fire

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.

Weight of snow or ice

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.

Homeowners insurance coverage options and discounts in Kansas

The best homeowners insurance in Kansas provides a high level of coverage at an affordable price.

Coverage options

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.

• One type covers renters.
• Another covers mobile homes only.
• The other six range from basic coverage to more extensive protection.

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.

Discount options

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:

• Installing a burglar alarm saves an average of 11%.
• Having a smoke alarm saves an average of 9%.
• Upgrading the electrical system saves an average of 10%.
• A roof upgrade saves an average of 22%.
• Bundling home and auto coverage can save a whopping 22%.

5 cheapest cities in Kansas for homeowners insurance

Insurance companies take many factors into account as they determine premiums. They include things like:

• Area crime rate
• Value of surrounding property
• Cost to rebuild
• How far a home is from a fire station

Here are the five cheapest cities in Kansas for homeowners insurance:

5 most expensive cities in Kansas for homeowners insurance

Here are the five most expensive cities in the Sunflower State for homeowners insurance:

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.