Popular QuestionsPopular Questions about Kansas Home Insurance

How much does Kansas home insurance cost? $1,531

The average American homeowner pays $1,173 per year for home insurance, but in Kansas, the average annual premium is $1,531. Even though insurance is more expensive for homes in Kansas, having insurance is vitally important because risks such as tornados, severe storms, and property crimes can cause serious damage to homes each year.

kansas home insurance cost chart
What does my Kansas home insurance do for me?

Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Kansas homeowners insurance policy.

Pays for repairs to your home and your belongings

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Kansas homeowners insurance?

We can’t be 100% certain, but last year insurance companies spent more than $808 million on home insurance claims in Kansas. That's a lot of unfortunate events happening to Kansas homeowners.

How is my Kansas homeowners insurance calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Kansas is compared to the rest of the US.

Crime:

Property crime rates in Kansas are slightly higher than the national average. This can lead to increased insurance costs for homeowners who live in high-crime ZIP codes.

  • Average number of burglaries per 1,000 homes in KS: 4.94
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Tornados pose a significant threat to homeowners in Kansas. With approximately 90 twisters touching down each year, it is vital that homeowners have comprehensive home insurance in place.

  • Number of federally declared disasters since 1953: 60
  • Most Common Cause of Disasters in the state: Severe Storms
  • Average number of tornados per year in state: 90.2
  • Amount paid in home insurance claims in 2016: $537,799,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Kansas, the average home value much lower than the national average. This helps to keep insurance rates from getting out of control, despite the many risks in this state.

  • Average home value in KS: $144,900
  • Average home value in the US: $188,900
Are there any independent agents in Kansas?

Yes! There are currently 473 independent insurance agents in Kansas who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

What’s the best insurance company in Kansas?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Kansas: 

travelers
state auto insurance companies
safeco insurance
metlife auto & home

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Monthly Cost for Home InsuranceAvg. Yearly Cost for Home InsuranceAvg. Home ValueBurglary Rate per 1,000 Homes
Wichita$110$1,325$123,5009.18
Overland Park$152$1,819$264,9002.70
Topeka$111$1,336$107,9007.89
Olathe$132$1,584$217,3001.31
Lawrence$131$1,571$191,5004.83
Manhattan$138$1,651$199,3753.12
Salina$118$1,413$126,2656.15
Hutchinson$108$1,299$100,5636.24
Colby$114$1,372$117,6982.97
Hays$135$1,618$173,2802.03
Garden City$116$1,391$131,0853.40
Dodge City$110$1,321$108,1664.54


Wichita, KS Home Insurance

On average, Wichita homeowners pay $110 per month for their home insurance. Your neighborhood crime rate plays a big role in the cost of your home insurance. The property crime rate in Wichita is higher than in many neighboring cities, which could increase your premium.

In a city where burglaries are common, homeowners have to take precautions. But even if you keep your doors locked and install a security system, there is no guarantee that you won't be targeted. If you do get robbed, you can file a claim with your home insurance and receive compensation to replace stolen items and repair damage to your home after the break-in. Your insurance can also cover you against other hazards like tornados and liability lawsuits.

When you buy home insurance through an agent who works for a specific company, you'll have limited options and one locked-in rate. However, independent agents can help you shop quotes from multiple companies, giving you a better chance to score savings on your annual premium.

Overland Park, KS Home Insurance

The average monthly cost for homeowners insurance in Overland Park is $152. Of course, home insurance rates in Overland Park can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size and location of your home, the amount of coverage you are purchasing, and your credit score.

Home to some of the state’s more expensive homes, Overland Park is located in a high-risk tornado zone. If your home gets damaged or destroyed by a tornado, you can file a claim with your homeowners insurance provider and rest easy knowing that wind damage is covered. Your insurance can also cover you against other hazards such as damage caused by severe weather, residential fires, and liability lawsuits.

Choose an independent agent to get the best rates on home insurance in Overland Park. Your agent will help you compare quotes from multiple companies and select the plan that is right for your home.

Topeka, KS Home Insurance

Residents of Topeka pay an average of $111 per month for their home insurance coverage. Your actual homeowners insurance cost could be higher or lower than the average. It depends on a number of factors such as the size and value of your home, your previous claims, and certain special risk factors like if your property includes a swimming pool or trampoline.

When severe thunderstorms roll through Topeka, they sometimes deliver serious hailstorms, causing damage to local homes. If your roof suffers hail damage, you can file a claim with your home insurance and get financial help to repair the damage. Your insurance can also cover against other risks like tornados, residential fires, and injuries to guests in your home. Talk to a local independent agent to learn more about what is and is not covered by your home insurance policy.

Independent agents help Topeka families score the lowest rates on home insurance by shopping quotes from multiple providers. Your agent will take time to help you compare coverage options and choose a plan that offers the right level of protection for your home.

Olathe, KS Home Insurance

On average, residents of Olathe pay $132 per month for their home insurance coverage. Your actual home insurance costs could be higher or lower, depending on many variables like the square footage of your house, your credit score, your home's building materials, the crime in your ZIP code, and more. Comparing rates enables you to be sure that you are getting your coverage at the right price.

The good news is that the crime rate in Olathe is very low. The bad news is that homeowners are at risk for damage by severe weather events. High winds are common during Olathe's summer storms, and they can leave behind a trail of damage. Whether it's a fallen tree or missing shingles, you can get coverage for making repairs by filing a claim with your homeowners insurance company.

Independent agents can offer some unique benefits that you won't find when you shop for home insurance from a single, specific company. Independent agents can shop quotes from multiple providers, giving you more options and the lowest prices on homeowners coverage that meets your needs.

Lawrence, KS Home Insurance

The average monthly cost of homeowners insurance in Lawrence is $131. Home insurance premiums can vary from one homeowner to the next, so your actual rate might be higher or lower than the average. It all depends on a number of variables such as the size of your home, the crime rate in your ZIP code, and the amount of coverage you wish to purchase.

Your home insurance is designed to cover you against a variety of risks you face as a homeowner in Lawrence. For example, if you walk into the laundry room and find three inches of water on the floor, you might be tempted to panic. Water damage can happen in the blink of an eye, and most of the time, people don't even realize a pipe is broken until it's too late. Most home insurance policies cover non-flood-related water damage, so you can file a claim to have your homeowners coverage help pay for repairs. 

Independent agents have the freedom to shop quotes from multiple companies, giving you more options and the chance to score the lowest prices on coverage for your home. Talk to a local agent today to learn more.

Manhattan, KS Home Insurance

The average monthly cost of homeowners insurance in Manhattan is $138. Your specific premium might be higher or lower than this, as rates can vary significantly from one homeowner to the next. It all depends on a number of considerations including such things as the type of home you live in, the building materials used to construct it, the amount of coverage you need, and even your credit score.

Your Manhattan home insurance policy is designed to cover you against several potential hazards such as liability lawsuits, residential fires, and weather-related damage. For example, if a serious thunderstorm or a tornado strikes in your area, your house may sustain expensive damage. Fortunately, you can turn to your home insurance for help paying for the repairs. An independent agent can help you ensure that the policy you choose includes the coverage you need.

If you're looking for the best rates on Manhattan home insurance, turn to a local independent agent for help. Our agents will take time to explain your coverage options, compare quotes from multiple providers and match you with a plan that is right for your unique needs.

Salina, KS Home Insurance

Residents of Salina pay an average of $118 per month for homeowners insurance. Of course, your particular home insurance premiums could be significantly higher or lower, depending on several variables. Insurance companies use consider things like the size of your home, your credit score, and your previous claims when calculating your quoted rates.

Salina home insurance is designed to cover area homeowners against many of the financial risks they face, including  liability lawsuits, accidental fires, and severe weather events. For example, if a tornado passes through your neighborhood and causes a tree to fall onto your roof, you can count on your home insurance policy to step in and help pay for repairs. Homeowners insurance is a backup plan for Salina families in case severe weather causes serious damage to their homes.

Independent agents understand there is no such thing as a one-size-fits-all insurance policy. That's why they take time to help you assess your home's risks and compare plans from multiple companies. This means you'll get the lowest rates on the best coverage for your home.

Hutchinson, KS Home Insurance

On average, resident of Hutchinson pay $108 a month for home insurance coverage. Keep in mind, however, that home insurance rates in this city can vary significantly from one homeowner to the next. Your actual rate will depend on several factors like the size and age of your home, the amount of coverage you need, and even your credit score.

Hutchinson home insurance will protect you from large financial losses related to risks you face as a homeowner. These include such things as accidental fires, certain liability lawsuits, and weather-related damage. For example, if a tornado hits in your area, ripping away a large section of your roof, you could end up with major water damage from rain flooding your living areas. Water damage can be frustrating to deal with, but your Hutchinson homeowners insurance policy can help cover the cost of repairing the damage. It can give you peace of mind to know that you're covered against whatever the unpredictable weather throws your way.

You'll find the best rates on Hutchinson home insurance by working with an independent agent. Your agent will help you compare rates and coverage options on multiple policies so you can choose the right plan to meet your specific coverage and budgetary needs.

Colby, KS Home Insurance

The average monthly cost for homeowners insurance in Colby is $114. Your rate could be higher or lower than this average. It all depends on factors such as the size of your home, the materials used in its construction, your credit score, your previous claims, and the amount of coverage you wish to purchase. Because every insurance company uses a proprietary method of calculating rates, it is to your advantage to request quotes from multiple carriers.

Colby home insurance is designed to cover you against a variety of risks you may face as a homeowner. These include such things as liability lawsuits, weather-related damage, and accidental fires. Residential fires can be devastating, and they often lead to exorbitant damage. If your home goes up in flames, your home insurance will help you pick up the pieces by covering the cost to replace your belongings, and repair the damage or rebuild your home if it is a total loss.

If you're searching for the best home insurance in Colby, you can get help from an experienced independent agent. Your agent will provide quotes on multiple policies and help you find a competitively priced plan that offers the right level of protection for your home.

Hays, KS Home Insurance

Residents of Hays pay an average of $135 per month for their homeowners insurance coverage. Of course, your actual customized rate will be based on unique factors like the size, age, and value of your home as well as your credit score and claims history. It can therefore vary significantly from this average rate.

Your Hays home insurance can protect you against financial losses related to a variety of risks such as property crimes, accidental fires, liability lawsuits, and severe weather. Hays is a magnet for tornado activity, meaning wind damage can often be severe. If your home is damaged or destroyed by a tornado, you can rely on your homeowners insurance policy to help pay for repairs.

Shopping for home insurance is simple with the help of an experienced independent agent. Your agent will help you navigate the maze of coverage options and will shop quotes from multiple policies until you find the right policy for your unique needs.