The average cost of homeowners insurance in Kansas is a hail number: the state's roofs are replaced by storms often enough that carriers price the roof before they price the house. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What sets the price in Kansas
Rebuild cost sets the dwelling limit, and the roof sets much of the rest. Kansas carriers ask the roof's age and material, price impact-resistant shingles differently, and may offer actual cash value on an older roof rather than replacement cost. Older housing in Wichita, Topeka and Kansas City carries the usual wiring and plumbing questions.
The perils carriers price here
Hail and tornado are the perils, and most Kansas policies carry a separate wind and hail deductible stated as a percentage of the dwelling limit, which is the figure to compare between quotes. Winter freeze and burst pipes follow. Flood along the state's rivers is a separate policy. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
What to compare instead of the average
The rate pages on this site show filed Kansas rates by coverage and situation. Compare quotes on the same dwelling limit and the same wind and hail deductible, and ask how each carrier settles roof claims on a roof of your age.
Questions people ask about average cost of homeowners insurance in kansas
What is the average home insurance cost in Kansas?
The III's national average is $1,411 a year for 2021; this site publishes no state average, and the filed rates for Kansas on the rate pages show what carriers actually charge by coverage and situation.
Why is homeowners insurance in Kansas priced the way it is?
Rebuild costs, the roof and systems of the housing stock, and the perils named above; the deductible and claims history finish the price.
Does the price include flood?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.