If you are new to Kansas or thinking of buying a home, homeowners insurance is most likely on your to-do list. As you begin exploring your home insurance options, it is vital to know the different state and home requirements to get the most out of your home protection efforts.
In Kansas, several different companies can provide you with quality home insurance plans, whether you are looking for a familiar national company or a trustworthy local company to consult any time you need them. This guide will serve as a comprehensive place to learn everything you need to about purchasing homeowners insurance in Kansas.
Before researching different home insurance plans in Kansas, you should know what typical homeowners plans cover. Knowing what policies come with your homeowners insurance will help you better understand where you have protection and highlight any areas where you might need additional protection.
Each state has unique requirements and situations that cause homeowners insurance standards to differ across states and regions. Knowing what typical policies homeowners in Kansas have will help you determine what you need to consider as you explore different insurance companies and policies.
While Kansas has strict requirements for auto insurance, the state has no requirements for homeowners insurance. However, you will need to purchase homeowners insurance to apply for a mortgage in Kansas. Before signing a mortgage, know the typical requirements asked by lenders, including:
When you sign a mortgage, your lender will often ask for proof of homeowners insurance to protect your home. Knowing what you need from your insurer will prepare you for the mortgage process and determine your baseline requirements when assessing different insurance policies.
Many factors can determine the price of your home insurance when living in Kansas, like which city you live in and your home’s specifications, like age and square footage. Any risk factors will also play into your home insurance’s costs. In Kansas, the average price for homeowners insurance is around $3,500 per year or $300 per month.
However, this price only includes the basic services covered by home insurance. You may find you live in an area requiring extra protection coverage like plans protecting against weather damage or theft. Determining your needs first can help you establish where you might fall on the price range for the services you need to protect your home.
Kansas has unique weather conditions that can make owning and protecting a home challenging. In 2020, Kansas reported more than $126 million in losses caused by poor weather conditions, like tornadoes and hailstorms.
When searching for a homeowners insurance plan in Kansas, consider the type of protection it provides for different weather phenomenons and additional plans you may have to buy to best cover your home. Consider plans that cover protection from the following:
Even though natural disasters are hard to predict, if you live in an area more prone to tornadoes, wildfires, earthquakes or other extreme conditions, you may want to consider investing in a replacement cost coverage plan to help you pay for rebuilding or replacing your home in the event of a natural disaster.
Knowing the kinds of weather you can expect in your area can help you determine what you need to check your homeowners insurance policies for and what you might need to purchase to protect your home from the unexpected. Especially in a state like Kansas with higher risks of poor weather conditions, investing in different home insurance plans might help you when a bad storm or tornado hits.
Even though Kansas has few official requirements for home insurance, the state wants to help its citizens obtain protection for their homes. The state government developed the Kansas Fair Access to Insurance Requirements (FAIR) Plan to help homeowners cover their homes if insurance companies continually reject them. The FAIR program can help provide coverage to homeowners who have difficulty receiving standard coverage.
To qualify, you will need to undergo a home inspection from the state to ensure you meet their standards.
One of the best ways to get an accurate idea of how much homeowners insurance will cost you is to request quotes from companies. When requesting quotes, you must submit specific information to receive the most accurate quote. Knowing what to prepare and provide insurance companies will help you more efficiently use your time researching and requesting.
Always be upfront and honest about your coverage and limit expectations when requesting a quote. Companies often provide you with data from their average customer, so the more information you provide them, the more tailored their quote will be to your situation. Other information to provide includes:
This information will help companies assess your risks and where you will most likely need protection, allowing them to more accurately estimate how much their services will cost you.
When submitting requests, make sure you’re providing the same information to companies each time to best compare and make an informed decision on prices. Since companies use specific factors to determine costs, consistency in the information you provide ensures prices will correlate to the same services across your research.
When choosing a home insurance plan, you can explore different companies for different rates and benefits. While some offer cheaper rates that can help you save money, others have perks and discounts that they offer customers. Further, organizations like J.D. Power and the National Association of Insurance Commissioners (NAIC) rate companies and policies to help you make an informed decision based on customer service and complaints.
This guide outlines some of the best homeowners insurance in Kansas, so you can compare plans, policies and prices to find the company to best protect your Kansas home.
If you are looking for a cheaper insurance plan with high-quality customer service, Farmers can provide you with all of your Kansas home insurance needs. Home insurance annually costs around $1,800 with Farmers, significantly less than the state average.
Even though Farmers homeowners insurance costs less than other plans, you pay for quality services and protections. Farmers offers identity theft protection services and encourages customers to rebuild their homes with environmentally friendly materials. You can find various discounts with Farmers to further reduce costs, including discounts for nonsmokers and previous customers who have other policies open with them.
Farmers uses discounts to encourage customers to upgrade or renovate their homes to better last and withstand adverse weather conditions. For example, you can receive discounts for upgrading your roof or windows to protect your home against hailstorms. You receive a discount for these actions, but you can also save money on future repairs or raised premiums, allowing you to cut costs long term.
Marysville Mutual is the cheapest Kansas home insurance company with annual rates averaging around $1,500, almost half of the state average. In addition to great prices, customers can choose between standard and preferred coverage plans, where the preferred plan adds replacement cost coverage to the standard dwelling and contents policies. With Marysville Mutual, you can receive excellent protection on your home for an even better price.
AAA is on the more expensive side of home insurance plans in Kansas, costing citizens around $2,600 annually. However, you can save 25% on your homeowners insurance by bundling it with your car insurance, making AAA very appealing to those already using them as their auto insurance provider.
You can further make the most of your costs with AAA by joining their extensive benefits program, where you can save money by receiving discounts on additional expenses like flying, car rentals and even movie tickets.
For active and retired military members, USAA is a great way to insure your home. They receive great reviews from customers and organizations — they earned an A++ from AM Best’s Financial Strength Rating, a perfect score from J.D. Power and one of the lowest scores on the NAIC’s measurement of customer complaints, representing a high customer satisfaction rate.
With USAA, you will see great prices in addition to excellent care. You can receive home insurance at around $2,100 annually, and USAA’s standard home insurance plan includes replacement cost coverage, so you can pay for everything you need under one policy. Especially if you live in an area prone to tornadoes, having a suitable replacement cost coverage policy can help protect your home against natural disasters.
One significant perk of purchasing insurance with State Farm is that they host the largest network of insurance agents across the U.S., allowing you to receive a localized experience from a well-known insurance company. State Farm boasts several unique additional services you can include with your policies, like earthquake protection, sewage backup, losses from identity theft and protection or security systems coverages.
Like many insurance companies, you can decrease your annual rate by bundling your homeowners insurance with your auto insurance. This can be an excellent option for homeowners trying to save money and better fit their budgets.
Travelers might be the right fit for you if you are searching for an insurance company that ranks highly in all fields. They are the only other company to rank up with USAA on AM Best’s Financial Strength Rating with an A++ score. Further, NAIC ranks them high in customer satisfaction, noting that they have one of the lowest customer complaint ratios, and J.D. Power awarded them an 803 ranking on their scale.
Annually, Travelers costs around $2,100, and like many other insurance companies, you can add additional policies to your plan for extra and more specialized protection. Travelers offers jewelry protection, water backup and personal property coverage policies so you can protect your home. Because their annual rates are a little higher, you can opt-in for their many discounts, including having a Leadership Energy and Environmental Design (LEED) certification to prove that your home is energy efficient and green.
Their adjustable deductible tiers let customers choose and customize their deductible amounts to best fit their needs, and they have a program that allows homeowners to decrease deductible rates each year.
Allstate may have higher costs, averaging around $3,400 per year, but they rank high on J.D. Power’s customer satisfaction scale with 829 out of 1000. With agents available 24/7, you can receive professional and high-quality help with your homeowners insurance whenever you need it.
Further, with Allstate, you have the freedom to customize your home insurance plans to include more specific or specialized policies that cater directly to your needs, including plans like lawn and garden, electronic data recovery and athletic or musical equipment coverage. Regardless of your needs, you can find protection with Allstate.
Because costs are higher for Allstate’s services, you can look into their various discounts, which can help you bring down your monthly or yearly price to better fit your budget. Allstate offers discounts for policy actions like signing up for autopay or homeowner habits like investing or owning a backup generator.
Like Allstate, American Family lets you find specific policies to further customize your homeowners insurance policies. Many of their policies are unique and specialized so you can best care for your Kansas home — for example, siding coverage helps you replace damaged siding panels with ones that best match existing undamaged ones. This can be especially helpful for people who live in areas with higher risks of tornadoes or hailstorms.
Annually, American Family’s homeowners plan costs around $2,700, but they also rank high on the J.D. Power scale with an 821 score. In addition to their siding coverage plan, you can choose from other unique services, like water backup, credit theft and equipment breakdown coverage plans, so you can make the most of your American Family plan.
Even though the name suggests auto insurance, Auto-Owners is one of the highest-ranking homeowners insurance providers for their excellent customer satisfaction. J.D. Power ranked them 843 out of 1000, putting them above other well-known companies like State Farm or Allstate. This company makes an excellent choice for people looking for quality insurance plans but who don’t qualify for USAA’s benefits.
In addition to their great customer satisfaction rating, Auto-Owners has a lower rate at only about $1,500 each year. Auto-Owners also offers optional plans you can add to existing policies to further customize your experience and care. They provide home replacement cost, identity theft and equipment breakdown coverages so you can best care for all aspects of your home.
If you want a personalized, local approach, David Pope Insurance is the perfect home insurance company for you. Our agents work directly with you to find a high-quality homeowners insurance plan at the lowest price, so you can best meet your budget. As a family-owned business, we care about your coverage — we will help you customize your premiums and policies, so you only have to pay for what you need.
As a local Midwestern company, we understand the many unexpected situations you need to plan for to best protect your home. We developed our plans and policies to help you best deal with even the most unexpected circumstances, from injuries on your property to structure damage from weather.
Protecting your home in Kansas means finding a comprehensive program covering various circumstances. Especially since many lenders have extensive requirements that prove you can best protect your home and their investment, finding the best homeowners insurance company in Kansas at a low price will help you protect your home while staying within your yearly budget.
At David Pope Insurance, we dedicate ourselves to helping customers find high-quality coverage plans that help homeowners deal with the unexpected at low prices. With local agents that understand uniquely Midwestern concerns and needs, we can ensure you will receive the best care. Contact David Pope Insurance today for a quick custom quote and discover why so many Kansas citizens love David Pope Insurance.
