Are you searching for the cheapest home insurance in the state of Kansas? Our search engine can help you locate the best homeowners insurers in your area. Simply enter your Zip Code in the form above and click Find Insurers.
Average Kansas Home Insurance Costs
Kansas homeowners insurance protects homeowners from property damage that occurs from natural disasters, water backups, and theft. In Kansas, homeowners pay approximately $1,431 for insurance annually. Nationwide, the average homeowners insurance premium rate is approximately $1,132 per year. Kansas ranks sixth in the US for highest homeowner premium rates.
According to the Insurance Information Institute (III), approximately 66 percent of housing units in Kansas are owner occupied. That is 3 percent higher than the national average. Forty-two percent of renters in Kansas spend 30 percent or more of their income on rent and utilities. Nationwide, 47.9 percent of renters spend 30 percent or more of their income on rent and utilities.
How to Get Cheap Home Insurance in Kansas
Homeowners insurance can be expensive, but there are ways to cut costs. First, shop around for pricing using the internet or recommendations from friends. The National Association of Insurance Commissioners (NAIC) has resources for finding an insurer in every state. Raising your deductible, which is the amount of money you pay for a loss before your insurer chips in, can cut costs too. A good credit rating can also reduce homeowners insurance rates. Remember to separate home purchase and rebuilding costs, as the land beneath your home is not at risk from natural disasters, fire, and theft. If you own a car, purchasing home insurance from the same company can save 5 to 15 percent on your premium. Staying with the same company for several years can afford you discounts too. Disaster-proofing your residence by adding storm shutters, fortifying the roof, and retrofitting older homes, can reduce Kansas home insurance costs. Some companies deduct up to 5 percent for a smoke detector, security alarm, or dead-bolt locks. You may even get a premium deduction of 15 to 20 percent by installing a sprinkler system or a burglar alarm that connects to the local police or fire station. Other discounts may apply for those over age 55 and retirees. In Kansas, a town’s fire protection rating can affect homeowner insurance rates. A town with a score of 1 has the highest protection level, while a town with the score of 10 has the lowest. Homeowner insurance premium rates are highest in towns with a class protection of 9 or 10 and located in a rural setting. You may very well end up paying less for living proximately to a hydrant or by living in a town with a professional (not volunteer) fire department. Reviewing and removing unnecessary coverage costs can lower insurance costs too.
Questions to Ask When Shopping for Kansas Homeowners Plan
When comparing plans, you can ask several questions to determine if the plan is suitable for your needs and budget, such as: How much would you save if you increased your deductible? Is the coverage replacement cost or cash value? Does it include water damage or sewer back-up? Will it cover important personal items such as jewelry, antiques, or collectibles? Are any special coverages available? What proof will you need to show in the event of a loss? Lastly, ask if there is anything the insurance policy will not cover.