The Best and Cheapest Homeowners Insurance in Kansas

Best cheap home insurance in Kansas

Cheapest homeowners insurance companies in Kansas

Shelter offers the cheapest quote for home insurance in Kansas, with an average rate of $1,274 per year statewide. That’s 44% cheaper than the state average of $2,265 per year.

Cheap annual home insurance in Kansas

Best Kansas home insurance overall: Shelter

Shelter is the best home insurance company in Kansas because it has the best combination of cheap rates, uncommon discounts and great customer service. The company’s average rate in Kansas is $1,274, or $106 per month. That's 44% cheaper than the state’s annual average of $2,265 per year.

Shelter received a score of 0.36 from the National Association of Insurance Commissioners, meaning that the company receives 64% fewer complaints than other insurance companies of its size. Shelter also offers a variety of unique home insurance coverages, like fire department charge reimbursement and coverage for landscaping, trees, shrubs, plants and lawns.

The only downside to Shelter is that there isn’t an instant quote feature online, so you’ll have to call a local agent for assistance.

Best for tornado coverage: Allstate

Allstate is the best insurance company for severe weather and tornado coverage. The company offers cheap rates and coverages specific to Kansas residents to protect them against tornado damage, like additional living expenses, guest medical protection and other structures coverage.

Allstate’s annual rate is $1,670, which is $595 cheaper than the state average of $2,265 per year. Since there is no standard "tornado insurance," Allstate combines both wind and storm policies to cover tornado damage at an affordable rate. You can also purchase flood insurance through an Allstate agent, though the coverage will be provided through the National Flood Insurance Program (NFIP).

Kansas sees an average of 66 tornadoes every year, so having the best tornado coverage is essential.

The only downside to Allstate is its customer service. Although the company has over 12,000 local agents nationwide, Allstate's largest Kansas subsidiary received a customer complaint score of 2.05 from the NAIC, meaning the company received more than twice as many complaints as insurance companies of a similar size.

Best local home insurance company: Marysville Mutual

Marysville offers the best price and customer service in Kansas from a small local insurer. The company’s average annual home insurance rate is $1,487, which is 34% cheaper than the state average of $2,265 and the second cheapest among top home insurers in Kansas. The company also prides itself on loyalty and local support, serving Kansas since 1889.

Marysville Mutual scored a 1.03 from the NAIC, meaning it receives around the average number of complaints for an insurer of its size.

Marysville Mutual prides itself on its dedication to serving Kansas, providing access to 245 agents across the entire state. If you prefer working with a local agent, it may be a good choice for you. The company also offers other policies for property coverage, like rental insurance, seasonal homes, homes under construction, farm liability and farmowners insurance.

The most notable downside to Marysville Mutual is that because of its size, its online features are not as robust as larger insurers. There’s no downloadable app, and you can’t get a quote online, so you’ll have to call an insurance agent near you for help. Still, Marysville Mutual could be an affordable home insurance option for you.

Kansas home insurance rates by city

Clearview City is the cheapest city for home insurance in Kansas, with an average annual rate of $1,766 per year. This small neighborhood of roughly 300 people sits to the west of Kansas City.

Pierceville is the most expensive city for home insurance in Kansas, at $2,863 per year. The unincorporated community of roughly 100 people lies between Garden City and Dodge City.

Best homeowners insurance companies in Kansas

Shelter and Marysville Mutual are the best-rated home insurance companies in Kansas.

Shelter offers the cheapest rates for most Kansas homeowners and has a low Complaint Index from the NAIC. Although Marysville Mutual may not be the largest company or the most convenient for online quotes or support, its cheap rates and local expertise make it one of the best home insurance companies in Kansas.

Most common homeowners insurance risks in Kansas

Kansas experiences severe weather more frequently than other states. The climate in Kansas makes it easy for thunderstorms to form, especially during the spring and summer. These can produce hail and stir up tornadoes. Although typical homeowners insurance covers damage to your property caused by wind and falling objects, such as hail, you may not be able to rebuild your home if it’s destroyed by high winds or a tornado.

Most homeowners insurance policies payouts are based on the cost to repair or rebuild the home, which is called replacement cost coverage. A policy that factors your home's depreciation or current value into your payout is called actual cash value coverage. If you have an expensive home or low coverage limits, make sure you have replacement cost coverage, or opt for even higher limits with extended or guaranteed replacement cost coverage.

Some parts of Kansas may also experience severe winter weather, which can damage your home. It's not uncommon for northern parts of the state to receive more than 30 inches of snowfall in a year. A conventional homeowners insurance policy covers damage to your property resulting from falling objects and the weight of snow. Your homeowners insurance could exclude damage related to freezing, though. If you're unsure about what your policy covers, talk with your insurer before you have to make a claim.

Frequently asked questions

Methodology

For our study, we gathered quotes from every Kansas ZIP code. We used a sample property that was built in 1973 and insured at $151,900 of dwelling coverage, based on the median home age and value in Kansas.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We ranked each company's customer service scores by comparing the National Association of Insurance Commissioners (NAIC) Complaint Index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.