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
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
| City | Annual insurance cost | Avg. home value | Burglaries / 1,000 homes |
| Dodge City | $1,321 | $108,166 | 3.1 |
| Garden City | $1,391 | $131,085 | 2.4 |
| Hays | $1,618 | $173,280 | 1.4 |
| Hutchinson | $1,299 | $100,563 | 6.4 |
| Lawrence | $1,571 | $191,500 | 5.4 |
| Olathe | $1,584 | $217,300 | .87 |
| Overland Park | $1,819 | $264,900 | 1.95 |
| Salina | $1,413 | $126,265 | 4.5 |
| Topeka | $1,336 | $107,900 | 8.7 |
| Wichita | $1,325 | $123,500 | 6.9 |
- $110
- Wichita, KS Monthly average home insurance cost
- 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.
- $152
- Overland Park, KS Monthly average home insurance cost
- 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.
- $111
- Topeka, KS Monthly average home insurance cost
- 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.
- $132
- Olathe, KS Monthly average home insurance cost
- 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.
- $131
- Lawrence, KS Monthly average home insurance cost
- 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.
- $138
- Manhattan, KS Monthly average home insurance cost
- 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.
- $118
- Salina, KS Monthly average home insurance cost
- 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.
- $108
- Hutchinson, KS Monthly average home insurance cost
- 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.
- $114
- Colby, KS Monthly average home insurance cost
- 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.
- $135
- Hays, KS Monthly average home insurance cost
- 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.