The 3 Best Homeowners Insurance Companies in Kansas

Tornadoes, blizzards and hailstorms — oh my! Kansas’ location in the Great Plains makes the state vulnerable to natural disasters and storms. It’s no surprise, then, that homeowners insurance premiums in Kansas are significantly above average. The average annual premium in the Sunflower State is $1,939, 58 percent (or $711) higher than the national average, according to Insurance.com.

To save money on your homeowners policy and to get a level of coverage you feel comfortable with, take time to shop for insurance and compare policies. Premiums and coverages can vary widely among different insurers, so to help you with your search we have outlined the companies that offer the most bang for your buck when it comes to Kansas homeowners insurance.

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      Our Top Picks for Best Homeowners Insurance in Kansas

      • Allstate
      • American Family
      • Farm Bureau

      Allstate

      Allstate offers Kansas homeowners affordable insurance, as well as broad coverage options, multiple discount opportunities and an excellent online resource center.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA-
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore Allstate 4.4
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      A standard Allstate policy can be supplemented with add-on coverages that allow you to protect what matters most, be it your sports equipment, musical instruments, yard and garden items, home office setup or electronic data. Allstate also offers its Claim RateGuard, which ensures that your premium won’t surge sky-high because you filed a claim.

      If you go claim-free for an extended period, Allstate gives you up to 20 percent off your policy. Discounts are also awarded to customers who bundle their insurance policies, install security devices such as alarms, insure a new or recently renovated home, and sign up for automatic billing. If you’re new to Allstate, you can get another 10 percent for the first two years of being a policyholder.

      Ranked “Superior” by A.M. Best for its financial strength, Allstate helps homeowners be more energy-efficient by offering coverage and incentives for green improvements to the home. If you decide to rent out your home, Allstate offers a home-sharing insurance plan to help protect your property and valuables.

      Allstate’s value increases even more when you factor in its innovative online resources and tools. The Allstate website comes equipped with videos, articles, tips and specialty calculators to help you navigate homeownership with ease. The Premium Gauge lets you see how different factors, such as installing a fire alarm or renovating your home, can affect your premium cost. This helps you make smarter decisions to manage your policy and save.

      American Family

      Backed by an A rating from A.M. Best for “excellent” financial stability, American Family Insurance is one the most popular and affordable choices for homeowners insurance in Kansas, with one of the highest levels of customer satisfaction.

      J.D. Power Rating
      3/5
      AM Best Rating
      A
      Standard & Poor’s
      A
      SimpleScore
      4 / 5.0
      close
      SimpleScore American Family 4
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      A standard AmFam policy protects your home against damage caused by fire and lightning, windstorms and hail, smoke, vandalism and theft. It has coverage to offset extra living expenses incurred if you require temporary lodging following a covered loss.

      Optional policy add-ons from American Family include identity theft coverage, personal injury and liability protection, and personal property replacement. Customers who work from home in either an office or studio or operate a day care can increase protection for these assets also.

      American Family makes sure you get the premium rate that best fits your circumstances. The company automatically reduces premium rates for customers who have gone claim-free for at least six years and for longstanding AmFam customers of over five years.

      American Family also offers discounts to new customers and retirees over age 50. Additional savings come when you bundle insurance products (home and auto, for example), install home security and fire-protection devices, insure a new or recently renovated home, or have an impact-resistant roof.

      American Family’s online Learning Center has a lot of tips for safeguarding your home, preparing for emergencies and recovering from property loss. AmFam has tools such as the Dream Vault, which allows you to keep a secure, Web-based inventory of your covered belongings. This assists you in efficiently filing a claim and restoring your possessions.

      You can use the MyAmFam mobile app to find an agent, view a claim, pay your bill, review your policy documents or download proof of insurance.

      Farm Bureau

      The Farm Bureau is committed to forging personal relationships with customers and providing quality care to Kansas residents. You must be a member of your local Farm Bureau in order to buy insurance through the service, but annual membership fees are low — between $20 and $75. The company’s Member’s Choice policy allows you the convenience of combining home and auto policies so you pay only one premium and one deductible for all your covered belongings. Loyal Farm Bureau customers can save further using the loyalty credit awarded to clients who renew their home insurance policies with the bureau.

      The Farm Bureau allows you the opportunity to adjust your level of coverage depending on your living situation and budget. Valuable add-on coverage options include guaranteed replacement cost coverage, which pays for repair costs of up to 125 percent of the insured value of your home, and actual cash value coverage, which reimburses you for covered losses to your home up to its current value.

      The Farm Bureau also extends residential equipment breakdown coverage, so you can protect home systems that are not otherwise covered under your homeowners insurance policy.

      Because a statewide Farm Bureau company insures each location, you need to contact your local bureau to learn more about membership perks, policy specifics and premium rate estimates in your area.

      How much is homeowners insurance in Kansas?

      The average annual rate for homeowners insurance in Kansas is $1,939. This is significantly higher than the national average of $1,288. The $711 difference is likely based on a number of local risk factors.

      Find the Best Home Insurance in Kansas

      Save money on home insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Kansas Rate Factors

        One of the main reasons that homeowners insurance is more expensive in Kansas is because Kansas has a history of tornado damage. In fact, there is an area of the state that is called Tornado Alley because destructive tornados are more common.

        Kansas ranks near the top of the list of states that get the most tornadoes, and despite efforts to minimize damage, the state still suffers millions of dollars in losses with each destructive tornado.

        Unfortunately, Kansas also gets frequent wildfires, which further drives up the cost of homeowners insurance. In 2017 alone, Kansas suffered wildfires that scorched more than 650,000 acres of land.

        The Best 3 Kansas Homeowners Insurance Companies

        • Allstate
        • American Family
        • Farm Bureau

        Methodology

        SimpleScore

        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore

        Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers – more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that offer more coverage options.

        Support

        We awarded higher scores to companies with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company – the more resources they have the higher their score