Kansas Home Insurance
Quote in 60 SecondsDorothy spends the entirety of The Wizard of Oz trying to get back to her home in Kansas. But what exactly makes the Sunflower State so much better than the yellow brick road? First, there are plenty of fun things to do, like visit national parks or check out a few museums. Second, a new company has now set up shop in the Midwest, offering a modern take on Kansas home insurance.
If The Wizard of Oz taught you anything, other than the fact that there's no place like home, it's that Kansas is home to pretty severe weather. Lucky for you — and Dorothy — that's our area of expertise, protecting you and your family from perils like hail storms and tornadoes (though we can’t guarantee coverage from the Wicked Witch of the West’s evil monkeys). For more information on what home insurance does and doesn’t cover, check out our guide below.
How much is homeowners insurance in Kansas?
Homeowners insurance in Kansas costs an average of $1,780 per year. And while that might seem like a lot of dough to protect your “Home on the Range” (Kansas’s state song), you should know that the same amount can get you almost 2,000 White Castle burgers or 119 large pepperoni pizzas from Pizza Hut, two famous Kansas chains.
What factors influence my home insurance rate?
While fast-food prices stay pretty consistent from location to location, home insurance does not. This means your premium may differ from the statewide average, so don’t fret if you get quoted a different price. The amount of your premium will depend on how much coverage you want, your credit score, your home’s location and even its size and current condition.
Kansas Home Insurance Premiums
What does Kansas home insurance cover?
Kansas home insurance covers your home’s structure, contents and personal liability. But there are some unique factors to take into account when living in the Jayhawk State. Located in the heart of Tornado Alley, Kansas holds the record for the most EF5 tornadoes to ever touch down in one state. In addition, it is home to the costliest hailstorm ever recorded, which caused over $2.5 billion in property damage. While these events may be weather anomalies (the state gets an average of 230 days of sunshine, after all), getting an insurance rider like catastrophe insurance is a smart move.
Kansas Insurance Coverage Options
Traditional coverage
Structure
Expenses
Protection
Structures
Possessions
Supplemental coverage
Tips to lower your home insurance premium
While the owner of the Spirit of Avalon, Kansas’s most expensive home, may not have to worry about paying for home insurance, traditional homeowners deserve to save a buck or two. And there are plenty of ways for Kansans to get the job done. For instance, updating important parts of your home regularly, like your roof and HVAC systems, and installing smart home devices can get you discounts on your premiums with certain providers.
Given Kansas’s propensity for severe weather, prepping your home for these events can help your insurance provider view you as less of a risk to insure, which in turn helps lower your premiums. From preparing for tornado season to protecting your home from hail, improving your home’s ability to recover from severe weather can save you money in more ways than one.
Kansas home insurance resources
With over 320 public libraries in Kansas, it's safe to say that Kansans aren’t afraid to crack open a book or two. That’s good because to really learn about home insurance, you’ll need to do some research. You can check out the Kansas Insurance Department, which provides up-to-date information on home and renters insurance, as well as the resources below.
National Flood Insurance Program
Flood insurance, while a crucial part of home protection throughout the nation, isn’t offered by traditional providers. Instead, you’ll need to get flood protection through the NFIP, a federal program that outsources coverage to individual insurance companies (like us). You can learn more about this coverage on FEMA’s NFIP website.
Kansas FAIR Plan
If your home insurance policy gets canceled or if you’re unable to get a policy to begin with, you still have options for protection. Not being able to purchase home insurance through traditional avenues can happen for several reasons, such as owning a high-risk home or having a long history of claims. If this happens to you, the Kansas FAIR Plan will offer last-resort coverage to make sure you have the financial protection you need.
Dorothy was right when she said, “There’s no place like home.” There’s truly no other place quite like Kansas, and we’ve loved getting to know our neighbors since opening up shop in the Sunflower State. Looking to make a switch with your home insurance policy or buying a policy for the first time? Click your heels together three times...kidding. To get truly magical coverage, you’ll have to give us a call.
