Paige Cerulli Last Updated On: September 21, 2023

How to Find the Best Home Insurance in Kansas

Your home is a major investment, and knowing that it’s protected by a quality home insurance policy can give you valuable peace of mind. The best home insurance in Kansas will give you the coverage you need while being within your budget, but finding the right policy can be confusing, and you might not know quite where to start.

That’s why we’ve outlined all of the essential information you need to get started finding the best home insurance policy for your needs.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Table of Contents

The Average Cost of Home Insurance in Kansas

The average cost of home insurance in Kansas is $4,665 per year, which includes $300,000 in dwelling and liability coverage, and which carries a $1,000 deductible.

While that average gives you an idea of what home insurance rates might be, your specific rates are also closely tied to your city or town. Factors like population densities and crime rates cause prices to vary from city to city.

Kansas CityAverage Cost of Home Insurance Per Year
Pierceville$5,739
Wright$5,499
Leawood$3,736
Lawrence$3,714
Gardner$3,761


In addition to your location, many other factors impact your home insurance rates. For example, the size and value of your home, its age, and even whether you have features like a swimming pool will impact your costs. Since the cost of home insurance in Kansas can vary so much, a personalized home insurance quote will give you the most accurate idea of what you will pay. Request free home insurance quotes in Kansas from ConsumerCoverage to get started.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Coverage Options for Home Insurance in Kansas

As you shop for home insurance and start to compare policies, it’s helpful to know what’s included in your coverage. Most standard home insurance in Kansas will include these coverages:
  • Dwelling coverage covers the structural elements of your home, paying for repairs if your roof, walls, or porch are damaged.
  • Other structures coverage protects detached structures, like a shed.
  • Personal property coverage helps to protect your belongings that are inside your home, including furniture, electronics, and clothing.
  • Personal liability coverage helps to protect you if another person is injured or has their property damaged while on your property.
  • Medical payments coverage helps to cover the cost of medical bills that can result if another person is injured while on your property.
  • Loss of use coverage helps to cover expenses that you might face, like the cost of a rental property, if your home is damaged and can’t be inhabited until it’s repaired.
Those standard coverages are a good starting point, but you might want to add on optional coverages for more comprehensive protection:
  • Flood insurance: Most standard home insurance policies won’t cover any damage that is caused by flooding. If you are in a flood-prone area, you may want to purchase a separate flood insurance policy.
  • Tornado insurance: Your insurance probably covers damage caused by tornadoes, but your limits might not be high enough to fully repair or replace a severely damaged home. You might want to increase your limits or buy a specific tornado policy.
  • Valuable items coverage: Personal property coverage generally has a lower limit, meaning you might not have enough coverage for more valuable items in your home, like jewelry or silverware. If you have valuables, purchasing valuable items coverage will increase that limit, so you can replace those expensive items if they are damaged.

How to Save Money on Home Insurance in Kansas

You can save money on home insurance in Kansas in several ways. As you shop for insurance, look into whether the insurance provider offers discounts for having multiple policies, like home and car insurance policies. Choosing a home insurance plan with a high deductible can help to keep your monthly payments lower, but it’s important to make sure that you have enough money saved up so you can pay that deductible if you have to file a claim.

Take the time to shop around and compare policies to find the best deal, too. You can request a free homeowners insurance quote from ConsumerCoverage today to get started.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required


INSURANCE QUOTES

Stay Up-to-Date
Subscribe to our newsletter and receive alerts, offers, education, and updates in your inbox.