Best Kansas Homeowners Insurance Agents & Brokers (2024)

Welcome to our comprehensive guide on Kansas Homeowners Insurance. In this article, we provide you with valuable insights and information to help you make informed decisions about protecting your home.  Explore policy options, coverage details, deductibles, and exclusions specific to Kansas homeowners. 

Don’t leave your most valuable assets unprotected. Enter your zip code now to explore quotes from reputable insurance providers and secure the coverage you need for peace of mind.

Average Kansas Homeowner Insurance Rates vs. US

Cheaper Kansas Home Insurance

$916 is the average cost of home insurance in your area, but don’t be surprised if your premiums are either higher or lower than the average, because every home is insured according to the square footage it contains, and that mean that all homes are going to cost somewhat differently.

• Avoid Unnecessary Claims
  It may be convenient to let your insurance pay for everything that happens, but you are not doing yourself any favors by doing so. The more claims you file, the higher your premiums are likely to rise, and if you file too many claims in a short period of time your insurance company may drop you, and having all those claims will make it hard to find replacement coverage.
• Smoke and Home Insurance
  If you are a smoker you may be surprised to find out that your habit is costing you in more ways than just your health insurance. Cigarettes have been shown to be a leading cause of fires in the home as well, and that means that insurance companies will charge higher premiums to smokers based on the idea that they are more likely to have a house fire and have to file a claim.
• Credit Score and Insurance Risk
  697 is the average credit score in your state. And while that score does not mean much, your credit score can affect your insurance rates. If your credit score is lower than 650, your insurance company probably charges you higher rates, adjusting the premiums to match your statistical financial responsibility. The best thing to do is to monitor your credit score and take whatever steps are necessary to correct any errors you find.

Home Characteristics Affecting Kansas Insurance Rates

In Kansas, the average age of the homes is 39 years. What makes this important is that older homes typically cost a lot more to repair than newer ones, and your policy may not include full replacement unless you request it. By default, a home insurance policy pays actual cash value, which is the original cost of the item minus depreciation over time. Actual cash value will not repair an older home to the condition it was in before it was damaged.

Defending Your Home Against Crime & Vandalism

In Kansas, the crime rate is 6.80 per 1000 people, which is slightly higher than 5.17 crimes per thousand, the national average. To reduce the risk even more, have a privacy fence installed around the perimeter of your property. And if you have deadbolt locks installed, or a professionally monitored burglar alarm system, your insurance company will even give you a discount on your coverage. You have to spend a little to get the system installed, but the savings will go on for as long as you own the home.

Local Natural Disasters Kansas Homeowners Should Consider Protecting Against

Kansas is the tornado capital of the nation. It is also subject to some other named perils, including winter storms, but tornadoes are considered the primary danger faced by homes in Kansas.

• Earthquakes
  Ranked at 33 out of 51, meaning that Kansas is not likely to have an earthquake. You will not need to buy any special coverage, and anything that may happen in this respect is probably already covered under your standard home insurance policy.
• Flood
  Kansas residents filed 115 claims in 2009, a relatively small number unless your home is one of the ones that was affected. Flood insurance is a type of coverage that every home should have, no matter how small the chances are of a flood happening. It is much less expensive to pay for flood insurance for years than to have to pay for a single flooded home out of your own pocket.
• Hail
  Hailstorms are relatively common in Kansas, and are included in the wind damages section your policy. Even though hail can be particularly destructive, you do not need to have any special coverage to be protected against it.
• Hurricanes
  Kansas does not experience hurricanes. Your homeowner’s policy provides protection against wind damage, and that should be sufficient for any Storm damages you may suffer.
• Tornadoes
  127 tornadoes hit Kansas in an average year, but that number can easily be much higher. Check your policy to find out whether tornadoes have been excluded from the standard coverage, and if it has, purchase tornado insurance. In Kansas, you may have to purchase tornado coverage from a high-risk insurance company or even a special insurance pool that all home insurers must participate in.
• Wildfires
  Around 74,749 wild fires occur each year, and some of them pop up in Kansas. You do not need to purchase any special coverage to be protected from wildfires because fire is one of the basic perils around which home insurance was originally developed.

Kansas Homeowners Insurance Optional Coverages

Your personal property is not usually covered for a great deal in a standard policy. To remedy this, you can easily add additional personal property protection. You may also want to review the exclusion for property coverage, and make any changes that are necessary to give your personal effects enough protection. It is not uncommon for common perils to be excluded from certain coverages and it is your duty as the consumer to make sure that you are buying the coverage you need.

Important Contact Information

Kansas Department of Insurance
420 SW 9th Street
Topeka, KS 66612
Phone: (785) 296-3071
Website

Home Insurance Guides for Nearby States

• Colorado Homeowners Insurance
• Missouri Homeowners Insurance
• Nebraska Homeowners Insurance
• Oklahoma Homeowners Insurance

Kansas Insurance Agents

Wichita Home Insurance | Overland Park Home Insurance | Kansas City Home Insurance | Olathe Home Insurance | Topeka Home Insurance | Lawrence Home Insurance | Shawnee Home Insurance | Manhattan Home Insurance | Lenexa Home Insurance | Salina Home Insurance | Hutchinson Home Insurance | Leavenworth Home Insurance | Leawood Home Insurance | Dodge City Home Insurance | Garden City Home Insurance | Emporia Home Insurance | Junction City Home Insurance | Derby Home Insurance