{"id":324448,"date":"2025-11-10T17:32:02","date_gmt":"2025-11-10T22:32:02","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=85681"},"modified":"2025-11-12T13:50:12","modified_gmt":"2025-11-12T18:50:12","slug":"best-in-kansas","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-kansas\/","title":{"rendered":"The Best Homeowners Insurance Companies in Kansas in 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overall\" title=\"Best Homeowners Insurance Companies in Kansas\"><\/span>\n    \n\n\n<p>Kansas regularly experiences severe convective storms (hail, wind and tornadoes), which keeps homeowners insurance costs well above the U.S. average and among the highest states (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate 2025<\/a>). That makes finding the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">best home insurance<\/a> even more of a priority. But with so many companies to choose from, how do you know which is best for you? Reviews.com can make your search easier. We combed through recent data to help you compare options.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Kansas&nbsp;<\/h2>\n\n\n\n<p>To find the best homeowners insurance companies in Kansas, Reviews.com analyzed providers for coverage options, discounts, customer experience and financial strength, plus the latest market pricing benchmarks. We reviewed the most recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>, current state averages from <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin (2025)<\/a>, and the last official NAIC baseline (<a href=\"https:\/\/content.naic.org\">2022<\/a>). Based on our research, we determined that the following four companies offer strong options for Kansas homeowners:<\/p>\n\n\n\n<ul>\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Allstate<\/strong><\/a><strong>:<\/strong> Best for digital tools and discount opportunities<\/li>\n\n\n\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Auto-Owners:<\/strong><\/a><strong> <\/strong>Best for personalized, agent-driven coverage and claims service<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>: <\/strong>Best for local agencies and catastrophe response<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Travelers<\/strong><\/a><strong>:<\/strong> Best for broad optional coverages and unique add-ons<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Kansas\u2019s top insurance companies<\/h2>\n\n\n\n<p>The companies featured here were chosen based on our research methodology. However, because every homeowner has a unique situation, the best carrier for you might not be on this list. Knowing your needs and shopping around can be a good strategy to find the best coverage for your home. Compare at least three quotes, confirm wind\/hail deductible type and roof settlement terms, review complaint history via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>, and see the Kansas Insurance Department\u2019s <a href=\"https:\/\/insurance.ks.gov\/documents\/department\/consumer-services\/shopping-guides\/homeowners.pdf\">Homeowners Insurance Shopping Guide<\/a>.<\/p>\n\n\n\t\t\n<section id=\"block_6266fd962b4cd\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6266fd962b4cd-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,565<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266fd962b4cd-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners Insurance<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,560<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266fd962b4cd-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,646<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266fd962b4cd-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,097<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>800\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*The table reflects an earlier sample coverage model. For current context, typical Kansas premiums are about $3,000\u2013$3,600 per year for a standard HO\u20113, per <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin (2025)<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Home Insurance Study<\/a>, based on a 1,000-point scale <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts may add up to lower premiums, making the company a good choice for anyone looking to save a few dollars on their premium costs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,565*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts may add up to lower premiums, making the company a good choice for anyone looking to save a few dollars on their premium costs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Several discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                            <li>Above-average J.D. Power customer satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=17230&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average overall NAIC complaint index<\/a><\/li>\n                                    <li>Average premium is higher than many competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Condo<\/li>\n<li>Renters<\/li>\n<li>Auto<\/li>\n<li>Motorcycle<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Home buyer<\/li>\n<li>Welcome &amp; loyalty<\/li>\n<li>Claims free<\/li>\n<li>Early signing<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best for Personalized Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Personalized Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers several different endorsements to help you build a policy that works for your unique needs. The carrier doesn\u2019t skimp on discounts either and has a low average premium, based on our research.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,560*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers several different endorsements to help you build a policy that works for your unique needs. The carrier doesn\u2019t skimp on discounts either and has a low average premium, based on our research.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide range of coverage options<\/li>\n                            <li>Several discounts<\/li>\n                            <li>Superior financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No online quote tool<\/li>\n                                    <li>Policy changes can\u2019t be made online<\/li>\n                                    <li>Not available nationwide<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Rental dwelling<\/li>\n<li>Mobile home<\/li>\n<li>Boat<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Green discount<\/li>\n<li>Advance quote<\/li>\n<li>Water shut-off system<\/li>\n<li>Mortgage free<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Agencies\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agencies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has local agents across Kansas (and the country), so it could be a great option for homeowners who like a more personal touch for their insurance needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,646*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has local agents across Kansas (and the country), so it could be a great option for homeowners who like a more personal touch for their insurance needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agencies available<\/li>\n                            <li>Superior financial strength<\/li>\n                            <li>Above-average J.D. Power customer satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited discounts<\/li>\n                                    <li>Highest average premium on our list<\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=25143&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Farm and ranch<\/li>\n<li>Business<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Multiple line<\/li>\n<li>Home security<\/li>\n<li>Roofing materials<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Unique Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Unique Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers a variety of optional coverages, including some relatively unique options that might be a good fit for homeowners with specific needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,097*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">800**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers a variety of optional coverages, including some relatively unique options that might be a good fit for homeowners with specific needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous optional coverages<\/li>\n                            <li>Several discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Below-average J.D. Power customer satisfaction score<\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=36161&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average NAIC complaint index<\/a><\/li>\n                                    <li>No options for mobile or manufactured homes<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Travel<\/li>\n<li>Pet<\/li>\n<li>Wedding and event<\/li>\n<li>Landlord<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Home buyer<\/li>\n<li>Protective device<\/li>\n<li>Green home<\/li>\n<li>Loss free<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*The table reflects an earlier sample coverage model. For current context, typical Kansas premiums are about $3,000\u2013$3,600 per year for a standard HO\u20113, per <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin (2025)<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2024 U.S. Home Insurance Study, based on a 1,000-point scale<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Homeowners Insurance in Kansas<\/h2>\n\n\n\n<p>Recent consumer-market analyses show typical Kansas homeowners premiums around $3,000\u2013$3,600 per year for a standard HO-3, well above the U.S. average and among the highest states (<a href=\"https:\/\/www.bankrate.com\">Bankrate 2025<\/a>; <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin 2025<\/a>). The last official audited baseline from the <a href=\"https:\/\/content.naic.org\">NAIC<\/a> is for 2022; double-digit homeowners rate increases across 2023\u20132024 documented by <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/us-homeowners-insurers-continued-to-push-through-large-rate-hikes-in-2024\">S&amp;P Global Market Intelligence<\/a> and <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Risk Solutions<\/a> help explain today\u2019s higher costs. To find the best coverage at the best price, you may want to shop around to compare <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\">home insurance quotes<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Kansas&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Varies by profile<\/td><\/tr><tr><td>Auto-Owners<\/td><td>Varies by profile<\/td><\/tr><tr><td>Travelers<\/td><td>Varies by profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Use current snapshots from <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin (2025)<\/a> for the latest statewide averages; premiums vary widely by ZIP, roof age\/material, and deductible.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Kansas<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Farmers<\/td><td>Varies by profile<\/td><\/tr><tr><td>AAA<\/td><td>Varies by profile<\/td><\/tr><tr><td>Iowa Farm Bureau<\/td><td>Varies by profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Use current snapshots from <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin (2025)<\/a> for the latest statewide averages; premiums vary widely by ZIP, roof age\/material, and deductible.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Home Insurance in Kansas<\/h2>\n\n\n\n<p>If you\u2019re shopping for home insurance in Kansas, you may want to look at the Kansas Insurance Department\u2019s <a class=\"achor-toggles\" href=\"https:\/\/insurance.kansas.gov\/home-renters-insurance\/\">homeowners insurance page<\/a> for helpful information. You\u2019ll find articles, guides, and advice for buying the right homeowners insurance policy, how to submit a claim, and how to file a home insurance complaint. Because the risk of home damage due to tornadic activity is relatively high in Kansas, you may also want to research strategies to lessen the risk of damage to your home and to keep yourself and your family safe. For detailed shopping help on wind\/hail deductibles and roof settlement terms, see KID\u2019s <a href=\"https:\/\/insurance.ks.gov\/documents\/department\/consumer-services\/shopping-guides\/homeowners.pdf\">Homeowners Insurance Shopping Guide<\/a>, review complaint indices via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>, and consult severe-weather resources from <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Home Insurance Coverage Options<\/h3>\n\n\n\n<p>Homeowners in Kansas deal with a variety of extreme weather events, including tornadoes, hail storms, wildfires, and even earthquakes. While many of these events are covered by standard home insurance policies, reviewing your coverage with a licensed agent can be a helpful step in identifying gaps in your insurance coverage. Expect peril-specific wind\/hail deductibles (often 1%\u20135% of Coverage A), roof-age settlement changes (ACV on older roofs), and cosmetic-damage exclusions to be more common in hail-prone areas (<a href=\"https:\/\/www.iii.org\/article\/how-hurricane-deductibles-work\">Insurance Information Institute<\/a>). Flood is not covered by a standard HO-3; consider NFIP or private flood options as appropriate (<a href=\"https:\/\/content.naic.org\">NAIC CIPR: Private Flood Insurance<\/a>). Earthquake coverage is generally excluded and is typically added via endorsement or a separate policy; for Kansas-specific shopping guidance, see the state\u2019s <a href=\"https:\/\/insurance.ks.gov\/documents\/department\/consumer-services\/shopping-guides\/homeowners.pdf\">Homeowners Insurance Shopping Guide<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_626704682b517\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Kansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">No, no state law that requires you to have homeowners insurance in Kansas. However, your lender will likely require you to have a policy for at least your loan amount. Even if you own your home outright, home insurance can be an important purchase to protect your finances against unexpected damages.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6267047e2b518\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Why is home insurance expensive in Kansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Unfortunately, Kansas deals with more than its fair share of weather patterns and natural disasters that can lead to widespread and devastating home damage. Because the risk of damage is higher than usual in the state, home insurance companies generally charge higher rates to ensure that their claims reserves \u2014 the money set aside to pay policyholder claims \u2014 are adequate in case widespread damage occurs.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_626704932b519\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can I get cheap home insurance in Kansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Average rates for home insurance in Kansas are generally higher than in many other states, so \u201ccheap\u201d may be a relative term. It\u2019s important to understand the risks in the state and set realistic expectations for premiums. However, you may be able to get a lower price by shopping around, taking advantage of discounts, and maintaining your property.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on third-party indicators of customer experience, financial stability, coverage breadth, and Kansas-relevant policy features (wind\/hail deductibles, roof settlement). Inputs included the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>, A.M. Best financial strength ratings, NAIC complaint resources, and current market pricing benchmarks.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings: Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 J.D. Power U.S. Home Insurance Study<\/a> ratings.<\/li>\n\n\n\n<li>Coverage: As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li>Confidence: It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li>Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Commissioners\u2019 <a href=\"https:\/\/eapps.naic.org\">Consumer Insurance Search<\/a> complaint index.<\/li>\n<\/ul>\n\n\n\n<p>Rates and averages referenced use recent consumer-market analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin (2025)<\/a>; the last audited state baseline is the <a href=\"https:\/\/content.naic.org\">NAIC 2022 homeowners report<\/a>. Industry sources document double-digit homeowners rate increases across 2023\u20132024 (<a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/us-homeowners-insurers-continued-to-push-through-large-rate-hikes-in-2024\">S&amp;P Global Market Intelligence<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Risk Solutions 2025<\/a>), so your quotes may vary materially by ZIP, home features and deductibles.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 base deductible and a separate wind and hail deductible (if required), often a percentage (e.g., 1%\u20135% of Coverage A) in Kansas (<a href=\"https:\/\/www.iii.org\/article\/how-hurricane-deductibles-work\">Insurance Information Institute<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kansas regularly experiences severe convective storms (hail, wind and tornadoes), which keeps homeowners insurance costs well above the U.S. average and among the highest states (NOAA; Bankrate 2025). That makes finding the best home insurance even more of a priority. But with so many companies to choose from, how do you know which is best [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":345087,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1269,1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Homeowners Insurance Companies in Kansas in 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"In the state of Kansas, we compared providers based on average premiums, discounts available, customer satisfaction, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-kansas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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