How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Dodge City$1,321$108,1663.1
Garden City$1,391$131,0852.4
Overland Park$1,819$264,9001.95

Popular Questions about Kansas Home Insurance

In Kansas, the average annual home insurance premium is $1,584, which is more expensive than the national average of $1,211. If you're looking to save on home coverage, speaking with a licensed professional can help.

Homeowners insurance is not mandated by law in Kansas, however, you'll want protection. There were 537,799,000 paid home claims in one year alone, which makes having the right coverage vital. If you have a mortgage or lender, they will require you to carry proof of home insurance to obtain a loan.

In Kansas, some of the most used and highly rated insurance companies are Nationwide, Safeco, and Travelers. These carriers are known for their speedy claims handling and excellent coverage selection. The market that's best for your home will be dependent on your individual factors.

Your Kansas homeowners insurance company will calculate your rates using the following risk criteria.

  • Replacement cost of home
  • Coverages you select
  • Local crime rates
  • Past claims you've reported
  • Local natural disasters reported

Yes, Kansas currently has 473 independent insurance agencies that can help. Your independent agent will quote coverage through dozens of highly rated carriers for free, making it easy. 

The type of home you purchase will determine the kind of coverage you need. In Kansas, here are a few of the different homeowners policies you can obtain depending on your situation. 

  • HO-3: Most commonly used home policy
  • HO-5: For higher valued homes
  • HO-6: Used for townhomes and condos

Do You Know What Your Kansas Home Insurance Covers?

Find the Best Homeowners Insurance in Your City