Kansas Homeowners Insurance

Kansas homeowners insurance rates average at $76 per month, but rates can vary significantly due to the state’s high tornado risk. Reduce your Kansas home insurance costs by participating in a special insurance pool with other homeowners. You can also compare insurance quotes online to find the cheapest Kansas homeowners insurance policy. Enter your ZIP code below to start comparing quotes for free.

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UPDATED: Jul 16, 2021

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jul 16, 2021Fact Checked

Kansas homeowners insurance rates average out at $916/yr ($76/mo), which is significantly higher than the national average. Most of this is because of Kansas being infamous as “tornado alley,” an area that is especially prone to strong windstorms.

As you read through the different portions of your insurance policy, take note of which perils are included or specifically excluded, and then add the coverages you need to have complete protection.

  1. Dwelling
    Your home is the dwelling portion of a homeowner’s insurance policy. No matter how many other buildings are on the property, the dwelling is the primary residence. Structures that are built into the dwelling, such as a garage or room addition, are considered part of the dwelling.
  2. Other Structures
    If it is constructed on the property but is not part of the primary dwelling, it is an “other” structure. This could be any type of building, even something like a fountain that is decorative but doesn’t serve any useful function. When you update your home inventory, make sure to include any other structures that have been placed on the property since the previous update.
  3. Personal Property
    Personal property is the stuff you own. Anything that belongs to you, inside a structure or on the property, is your personal property. It is important to keep an accurate home inventory of your personal property, or you risk not being able to file a claim for lost property.
  4. Loss of Use
    When a portion of your dwelling cannot be used for its intended purpose, you may be able to claim the expenses associated with that function. For instance if a tree fell on your house and made your kitchen unusable, your meals at restaurants can be claimed as loss of use claims until the kitchen is repaired.

Average Kansas Homeowner Insurance Rates vs. US

Source: USCB

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

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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