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Kansas Home Insurance - What's Happening

No matter what state you live in, everyone likes to save money to home insurance. Sadly, Kansas homeowners must work harder than most Americans to save. Average premiums for Kansas home insurance were around $1,076 in Q2 of 2014, much higher than the national average of $829. Why do KS residents pay so much? Their tendency for tornados might be one reason.

According to the National Climatic Data Center, Kansas has reported more tornados than any other state except for Texas. In fact, KS averages more than 50 tornadoes annually. With all those twisters, Kansas homeowners want to be sure their homes are properly protected. Luckily, standard Kansas home insurance policies provide coverage for damage from a variety of perils, including tornadoes.

That said, you may be able to get better coverage at a good price. Our licensed agents will get you a free quote. Plus, we'll look for discounts to lower your Kansas home insurance premiums.

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Curious about car insurance? Click here to learn more about auto insurance in Kansas.

Kansas Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Homes in Kansas are smaller than the U.S. average and many have sump pumps, which prevents pricey water damage. Homeowners who experience a total loss in KS can also expect lower building costs, another plus for the state. Kansas homes are a bit older on average but the state still managed to come out on top.


Average year built

Built in 1972, the average Kansas home is 8 years older than the average U.S. home.


Average home size

The average size of a KS home is 1,686 square feet, smaller than the national average of 1,971 sq. ft. Smaller homes generally cost less to rebuild.


Average replacement cost

At $236,235, the average replacement cost for a Kansas home is less than the U.S. average of $278,576.


% of homes with sump pump

An average of 45% of KS homes have a sump pump, three times the national average.

Property (Factors related to the property and location)

Property factors proved to be another win for the state of Kansas. KS homeowners managed to avoid risky liabilities such as swimming pools and ATVs. On average, only 2.2% of KS homeowners have swimming pools and KS residents managed to avoid ATVs all together. Avoiding these risks keeps home insurance premiums down.

Another plus for Kansas was the state’s average insured cost of other structures (such as garages, fences, etc.), which is only $11,108 – substantially below the national average of $26,165.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

91% of KS homes reported having fire extinguishers, coming in a tad below the national average.


% of homes with dead bolt locks on exterior doors

98% of homes in the state have dead bolt locks – a huge factor when it comes to home security.


% of homes with smoke detectors

98% of KS homes have smoke detectors, which can keep small fires from escalating. Fire claims average more than $33,000.


% of homes with security alarms

18% of homes reported having security alarms, falling about 2% short of the U.S. average

Overall Grade - A (chasing perfection)

In terms of home insurance, Kansas residents go above and beyond. The Sunflower State may suffer from twisters and high home insurance premiums, but homeowners still pulled off a solid 'A'. Smaller homes and low building costs are two things that scored Kansas points in the eyes of insurers. KS homeowners avoided dangerous liability risks and also bolstered security by installing items such as deadbolt locks and security alarms.

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