Who Has the Cheapest Homeowners Insurance Quotes in Kansas?

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This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Article Approved By Banking Expert

This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Making your home in Kansas is a choice that says you love everything about the plains of America and that you love the feeling of freedom the environment provides. Yet while you and your family are making the most of the state, there might be a storm brewing nearby. Are you prepared? Do you have a plan if anything were to happen to your home? For these worries, we recommend you get a solid homeowners insurance policy, which can get you back up on your feet easily in the event of a disaster. To help you, we looked into the best and the cheapest providers.

Here are the three cheapest homeowners insurance providers operating in Kansas:

The Three Cheapest Quotes:

Not every home is alike, and we want you to know that the quotes you receive will not all be alike to what you read below. Instead, we ask you to consider the general trends, do your own research from there, and get some more reliable quotes.

The number listed next to each provider is the average annual rate for a standard policy.

1) Allstate: $2,483

The cheapest option we could be sure of in Kansas, Allstate is there to help people who are in older homes, those who are looking for some special optional coverages, and those who are looking for a wide range of discount options to keep insurance an affordable option. Reliable and worthy of your consideration, they are easy to work with.

Yet while they can offer a lot to certain types of customers, their customer service leaves quite a bit to be desired, especially since Farmers isn’t that much more expensive than them. There are also complaints against their agents, whether it involves response time or something else.

You can expect the following working with Allstate:

  • Discounts available that can drive down your total annual cost.
  • A large library of helpful tools and resources to help you better understand insurance and your own policy. This is combined with a great mobile and online interface, making Allstate one of the most accessible companies on the internet.
  • Optional coverages such as those for water backup damage, gardening and landscaping, identity theft restoration, business property, scheduled personal property, and others.

2) Farmers: $2,657 

After Allstate and a little bit more expensive, Farmers is for those who saw what Allstate and State Farm have and want more options and better customer service. You can expect the following working with Farmers:

  1. The perfect choice for many homeowners in the state, their plans have a lot of flexibility in them and allow you to reduce wastefulness in your plan if your home is a little out of the ordinary.

Yet for everything they have to offer, it seems they haven’t gotten everything covered when it comes to customer satisfaction, as there are reported issues about rate spikes after signup, an unsatisfactory experience after signup, and average rankings overall.

You can expect the following working with Farmers:

  • Coverage for trees and other types of landscaping.
  • Three different coverage levels to choose from, with customization options from there.
  • A fantastic loss-of-use policy for customers.

3) State Farm: $3,325

Normally the cheaper and simpler option in other states, State Farm is at a bit of a disadvantage in Kansas, and it is by far the most expensive option we could get a reliable average of. That being said, they are extraordinarily steady and stable as a company, and you can’t go wrong working with them if you want a standard set of coverages.

And the standard set of coverages is just about what they’ll provide you, and little more on top of that. There aren’t many discounts available, which is a shame given their cost, and the customization options they have are overshadowed by the variety offered by other companies.

You can expect the following working with State Farm:

  • One of the best online quoting systems in the industry, so you right away if State Farm is for you (or whether you can afford them).
  • A large network of agents to help you, available just about anywhere.
  • Online resources and tools that are modern, nearly always up to date, and compete with the best in the industry.

Other Notable Kansas Homeowners Insurance Providers

There are other companies operating in Kansas, even if we couldn’t get an average annual rate for them. We looked into the best and most popular and thought that these two picks are worth your attention as well.

4) Kansas Farm Bureau

A branch of a longstanding organization that spreads across the entire Midwest, the Kansas Farm Bureau supports people in the agriculture industry, but to the average person, they might be most well-known for their insurance offerings. If you’re a farmer they should go to the top of your list, but anyone can become a member.

Their online interface and available information are lacking, though, and it might be difficult to make an informed decision without quite a bit of intellectual labor. You will also need to become a member of the organization to get a plan.

You can expect the following working with the Kansas Farm Bureau:

  • Many difference other types of insurance if you want all your insurance form the same source.
  • A structure that isn’t rooted as much in devotion to profit as competitors.
  • Plenty of different discounts available to members.

5) Liberty Mutual

With a foothold in just about every state (including Kansas), Liberty Mutual provides different types of insurance to people across the state, and due to that variety, they might be a good choice for bundling. And once you get a quote, don’t be too worried about the rate starting out, as there are numerous discounts available for customers. These facts combined with solid coverage means you should at least give them a look.

You should look out for potentially high prices or rate spikes, however, and a noticeable amount of customers reported issues with the claims process. Whether it took too long or claims agents were being unnecessarily difficult, it’s possible you might run into a frustrating time.

You can expect the following working with Liberty Mutual:

  • Plenty of customer support channels and options available.
  • Partnerships with thousands of organizations across the country, potentially leading you to a reduced rate.
  • Optional coverage policies such as those for valuables, water backup damage, and identity fraud expenses.

Conclusion

Kansas can be a nice and peaceful place to live, but there are occasional storms, tornados, and other massive threats that you want to be prepared for. And we firmly believe that preparation involves getting an insurance policy that you can worry about yourself and your family instead of your home and property. It can be an expensive and tough decision, but with a bit of time and dedication, we’re certain you can narrow down the prospects.