How to Compare Home Insurance Quotes
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Best Homeowners Insurance in Kansas (2025)

Published on:
Content was accurate at the time of publication.

Top Kansas home insurance companies

$3,227/year
Best overall:
Shelter
Shelter logo
$4,626/year
Best experience: State Farm
State Farm logo
$5,130/year
Best coverage features: Allstate
Allstate logo
+
More Options

Find the Cheapest Home Insurance Quotes in Kansas

Shelter has the cheapest homeowners insurance in Kansas at $3,227 a year, or $269 a month. This is 19% less than the next-cheapest rate of $330 a month from Marysville Mutual. It’s also 40% less than the state average of $451 a month.

Home insurance rates by company

CompanyAnnual rateLendingTree score
shelter insurance logoShelter$3,2274.5 stars
Marysville MutualMarysville Mutual$3,9603 stars
travelers logoTravelers$4,4163.5 stars
state farm logoState Farm$4,6264 stars
allstate logoAllstate$5,1304 stars
farm bureau logoFarm Bureau$5,3913.5 stars
american family logoAmerican Family$7,2104 stars
nationwide logoNationwide$9,3353.5 stars

Cheap rates and good customer service help make Shelter the best home insurance company overall in Kansas. State Farm has the best shopping experience, while Allstate offers the best coverage features.

CompanyBest forAnnual rateCustomer satisfaction*Complaint rating**
ShelterOverall$3,227Not rated0.3
State FarmShopping experience$4,6266431.05
AllstateCoverage features$5,1306311.3

*Source: J.D. Power. Higher is better; 640 is average.
**Source: National Association of Insurance Commissioners. Lower is better; 1.0 is average

Shelter Insurance logo
Along with low rates, Shelter has an excellent complaint rating NAIC’s Complaint Index compares companies on confirmed complaints by size. A complaint is confirmed if it leads to a finding of fault on the insurance company. from the National Association of Insurance Commissioners (NAIC). Its 0.3 score means it has about one-third as many complaints as average.

Shelter offers valuable add-ons as well as all the standard home insurance protections The standard protections cover your home and belongings for hazards like fire, wind, hail and theft, plus liability and medical claims against you. , too. These include protections from sewer and drain backups and coverage for some home business and farming activities.

Pros
Cheapest average rates in Kansas
Excellent complaint rating
Add-ons for some home businesses and farming

Cons
Instant quotes not available online

State Farm logo
State Farm complements personalized services from its agents with a convenient online shopping platform. Its website can give you a home insurance quote in minutes. It also connects you to an agent for more help.

The company’s rates are cheaper than average, and it has good customer service scores. This includes a customer satisfaction rating J.D. Power’s ratings are based on customer surveys grading insurance companies on factors like price, coverage options and dispute resolution. from J.D. Power that’s better than average.

Pros
Rates are 15% less than the state average
Good customer satisfaction score
User-friendly website for instant quotes
Personalized service from local agents

Cons
A few other companies have lower rates

Allstate logo
Allstate offers policy features that can save you money down the line. For example, its Deductible Rewards program lowers your deductible Your deductible is the amount you pay out of your own pocket for an insurance claim. at no extra cost when you avoid claims. Its Claim RateGuard feature protects you from a rate increase if you do have a claim.

Like other large companies, Allstate offers instant quotes online. This makes it easy to compare Allstate’s rates to the quotes you get from other companies.

Pros
Rates are cheaper than average
Policy features can save you money in the future
Widespread agent network for personalized service

Cons
Customer service scores are worse than average
Rates are only 5% less than state average

Find the Cheapest Home Insurance Quotes in Kansas

The average cost of homeowners insurance in Kansas is $5,412 a year for a typical home. This works out to $451 a month.

The actual price you pay depends on factors like:

  • Your home’s age and construction features
  • The home’s location
  • Your insurance history and credit
  • Any discounts you may receive

Each company weighs these factors differently. This makes it good to compare home insurance quotes from a few different companies when you buy or renew your policy.

Home insurance rates by coverage amount

Your policy’s dwelling limit Your dwelling limit is the most your insurance company pays to repair your rebuild your home after a covered disaster. has a big impact on your homeowners insurance rate. For example, a policy with a $450,000 dwelling limit costs 25% more than a $350,000 policy.

Home insurance costs by dwelling limit

Dwelling limitAnnual rate
$350,000$4,825
$400,000$5,412
$450,000$6,029

If you have a mortgage, your lender will make you insure your home at its replacement value Replacement value is the estimated cost of rebuilding your home. This is usually lower than your home’s market value, or purchase price, which includes the value of your land. . You can choose a lower dwelling limit if you have a low loan balance or no mortgage at all. However, doing so can leave you short on insurance funds to rebuild, if a major disaster strikes.

At $4,384 a year, Baldwin City has the cheapest home insurance among Kansas’ cities and towns. Homeowners in Beeler have the most expensive home insurance at $6,721 a year.

Home insurance costs an average of $4,669 a year in Kansas City, or $389 a month. This is 14% less than the state average. Topeka homeowners pay an average of $414 a month, or 8% less than the average.

Home insurance rates near you

CityAnnural rateDifference from state average
Abbyville$6,08812%
Abilene$5,046-7%
Admire$4,946-9%
Agenda$4,846-10%
Agra$5,9029%
Albert$6,62022%
Alden$5,5903%
Alexander$6,51120%
Allen$4,902-9%
Alma$4,945-9%
Almena$5,96610%
Alta Vista$4,995-8%
Altamont$5,016-7%
Alton$6,07512%
Altoona$5,256-3%
Americus$4,942-9%
Andale$6,31717%
Andover$6,16114%
Anthony$5,97410%
Arcadia$4,880-10%
Argonia$6,17214%
Arkansas City$5,93410%
Arlington$6,05412%
Arma$4,898-9%
Arnold$6,24315%
Ashland$6,18614%
Assaria$5,3870%
Atchison$4,577-15%
Athol$6,04112%
Atlanta$6,17314%
Attica$6,07412%
Atwood$5,5292%
Auburn$4,868-10%
Augusta$6,13113%
Aurora$4,962-8%
Axtell$4,707-13%
Baileyville$4,735-13%
Baldwin City$4,384-19%
Barnard$5,292-2%
Barnes$5,064-6%
Bartlett$5,000-8%
Basehor$4,578-15%
Baxter Springs$5,130-5%
Bazine$6,31417%
Beattie$4,884-10%
Beaumont$6,16014%
Beeler$6,72124%
Bel Aire$6,30216%
Belle Plaine$6,11913%
Belleville$4,889-10%
Beloit$5,051-7%
Belpre$6,48320%
Belvue$4,787-12%
Bendena$4,584-15%
Benedict$5,285-2%
Bennington$5,4471%
Bentley$6,33217%
Benton$6,15314%
Bern$4,618-15%
Berryton$4,885-10%
Beverly$5,235-3%
Bird City$5,5773%
Bison$6,31817%
Blue Mound$4,811-11%
Blue Rapids$5,025-7%
Bluff City$5,8949%
Bogue$6,39018%
Bonner Springs$4,633-14%
Bremen$4,839-11%
Brewster$5,8478%
Bronson$5,048-7%
Brookville$5,299-2%
Brownell$6,60522%
Bucklin$6,19114%
Bucyrus$4,686-13%
Buffalo$5,256-3%
Buhler$6,06312%
Bunker Hill$6,61822%
Burden$6,01611%
Burdett$6,24915%
Burdick$4,987-8%
Burlingame$4,931-9%
Burlington$5,102-6%
Burns$5,5913%
Burr Oak$5,028-7%
Burrton$5,93610%
Bushton$5,379-1%
Byers$6,42019%
Caldwell$6,01211%
Cambridge$6,05412%
Caney$5,4120%
Canton$5,5372%
Carbondale$4,911-9%
Cassoday$6,04412%
Catharine$6,52921%
Cawker City$4,951-9%
Cedar$6,06112%
Cedar Point$4,974-8%
Cedar Vale$5,4952%
Centerville$4,882-10%
Centralia$4,665-14%
Chanute$4,947-9%
Chapman$4,997-8%
Chase$5,6084%
Chautauqua$5,5012%
Cheney$6,25916%
Cherokee$4,886-10%
Cherryvale$5,312-2%
Chetopa$4,991-8%
Chicopee$4,887-10%
Cimarron$6,19414%
Circleville$4,814-11%
Claflin$6,42819%
Clay Center$5,016-7%
Clayton$6,23815%
Clearview City$4,406-19%
Clearwater$6,45819%
Clifton$5,054-7%
Clyde$5,012-7%
Coats$6,52120%
Coffeyville$5,191-4%
Colby$5,6304%
Coldwater$6,26816%
Collyer$6,32417%
Colony$4,913-9%
Columbus$4,985-8%
Colwich$6,28316%
Concordia$5,044-7%
Conway Springs$6,14414%
Coolidge$5,8728%
Copeland$6,17514%
Corning$4,769-12%
Cottonwood Falls$4,982-8%
Council Grove$4,978-8%
Courtland$4,867-10%
Crestline$4,935-9%
Cuba$4,937-9%
Cummings$4,720-13%
Cunningham$6,02011%
Damar$6,30817%
Danville$6,26316%
De Soto$4,561-16%
Dearing$5,048-7%
Deerfield$6,15214%
Delia$4,844-10%
Delphos$5,4110%
Denison$4,852-10%
Dennis$5,059-7%
Denton$4,597-15%
Derby$6,19214%
Dexter$6,00311%
Dighton$5,97710%
Dodge City$6,17314%
Dorrance$6,31517%
Douglass$6,15414%
Downs$6,15514%
Dresden$6,05312%
Durham$5,153-5%
Dwight$4,958-8%
Eastborough$6,36518%
Easton$4,686-13%
Edgerton$4,445-18%
Edna$5,040-7%
Edson$6,02911%
Edwardsville$4,677-14%
Effingham$4,690-13%
El Dorado$6,00111%
Elbing$6,08412%
Elk City$5,4661%
Elk Falls$5,5853%
Elkhart$5,7857%
Ellinwood$6,42319%
Ellis$6,31417%
Ellsworth$5,6204%
Elmdale$4,881-10%
Elsmore$4,967-8%
Elwood$4,597-15%
Emmett$4,868-10%
Emporia$5,015-7%
Englewood$6,13513%
Ensign$6,36118%
Enterprise$4,943-9%
Erie$5,017-7%
Esbon$4,970-8%
Eskridge$4,894-10%
Eudora$4,449-18%
Eureka$5,4691%
Everest$4,575-15%
Fairview$4,558-16%
Fairway$4,422-18%
Fall River$5,4431%
Falun$5,4401%
Farlington$4,892-10%
Florence$5,274-3%
Fontana$4,800-11%
Ford$6,30216%
Formoso$5,002-8%
Fort Dodge$6,38518%
Fort Leavenworth$4,569-16%
Fort Riley$4,904-9%
Fort Scott$4,993-8%
Fostoria$5,289-2%
Fowler$6,02811%
Frankfort$5,018-7%
Franklin$4,811-11%
Fredonia$5,327-2%
Freeport$6,21415%
Frontenac$4,877-10%
Fulton$4,970-8%
Galena$4,913-9%
Galesburg$4,960-8%
Galva$5,5883%
Garden City$6,06212%
Garden Plain$6,33117%
Gardner$4,429-18%
Garfield$6,44219%
Garland$4,926-9%
Garnett$4,905-9%
Gas$5,058-7%
Gaylord$6,06312%
Gem$5,7847%
Geneseo$5,6534%
Geuda Springs$6,03712%
Girard$4,921-9%
Glade$6,00911%
Glasco$5,092-6%
Glen Elder$5,042-7%
Goddard$6,38518%
Goessel$5,118-5%
Goff$4,843-11%
Goodland$5,6504%
Gorham$6,39118%
Gove$6,03011%
Grainfield$6,03712%
Grandview Plaza$4,822-11%
Grantville$4,674-14%
Great Bend$6,39618%
Greeley$4,945-9%
Green$4,918-9%
Greenleaf$5,046-7%
Greensburg$6,22915%
Greenwich$6,28016%
Grenola$5,5903%
Gridley$5,086-6%
Grinnell$5,7156%
Gypsum$5,214-4%
Haddam$4,980-8%
Halstead$5,93310%
Hamilton$5,354-1%
Hanover$4,969-8%
Hanston$6,29216%
Hardtner$6,48820%
Harper$6,10313%
Hartford$4,979-8%
Harveyville$4,891-10%
Havana$5,4030%
Haven$6,10813%
Havensville$4,912-9%
Haviland$6,33717%
Hays$6,31117%
Haysville$6,30016%
Hazelton$6,23315%
Healy$5,94810%
Hepler$4,980-8%
Herington$4,994-8%
Herndon$5,8959%
Hesston$5,8358%
Hiawatha$4,569-16%
Highland$4,573-15%
Hill City$6,23415%
Hillsboro$5,128-5%
Hillsdale$5,255-3%
Hoisington$6,45619%
Holcomb$5,95710%
Hollenberg$4,850-10%
Holton$4,803-11%
Holyrood$5,4711%
Home$5,055-7%
Hope$5,006-8%
Horton$4,646-14%
Howard$5,5873%
Hoxie$5,8969%
Hoyt$4,829-11%
Hudson$6,58022%
Hugoton$5,8668%
Humboldt$5,018-7%
Hunter$5,089-6%
Hutchinson$6,04012%
Independence$5,350-1%
Ingalls$6,16914%
Inman$5,6565%
Iola$5,050-7%
Isabel$6,38418%
Iuka$6,47920%
Jamestown$5,138-5%
Jennings$6,08612%
Jetmore$6,18214%
Jewell$5,055-7%
Johnson City$5,7857%
Junction City$4,820-11%
Kanopolis$5,6124%
Kanorado$5,7767%
Kansas City$4,669-14%
Kechi$6,23315%
Kendall$5,94310%
Kensington$5,98010%
Kincaid$4,899-9%
Kingman$6,08012%
Kinsley$6,02211%
Kiowa$6,31517%
Kirwin$5,94910%
Kismet$6,05212%
La Crosse$6,31317%
La Harpe$4,974-8%
Lacygne$4,818-11%
Lake City$6,34717%
Lake Quivira$4,516-17%
Lakin$5,8899%
Lamont$5,8578%
Lancaster$4,621-15%
Lane$4,824-11%
Lansing$4,462-18%
Larned$6,20015%
Latham$6,06312%
Lawrence$4,414-18%
Le Roy$5,036-7%
Leavenworth$4,578-15%
Leawood$4,457-18%
Lebanon$6,21615%
Lebo$5,108-6%
Lecompton$4,427-18%
Lehigh$5,196-4%
Lenexa$4,457-18%
Lenora$6,13213%
Leon$5,97910%
Leonardville$4,978-8%
Leoti$5,7707%
Levant$5,6885%
Lewis$6,06512%
Liberal$5,99911%
Liberty$5,294-2%
Liebenthal$6,47420%
Lincoln$5,360-1%
Lincoln Center$5,360-1%
Lincolnville$5,261-3%
Lindsborg$5,5312%
Linn$5,027-7%
Linwood$4,529-16%
Little River$5,5422%
Logan$5,9229%
Long Island$5,93910%
Longford$4,880-10%
Longton$5,5362%
Lorraine$5,5523%
Lost Springs$5,091-6%
Louisburg$4,692-13%
Lucas$6,58722%
Ludell$5,8638%
Luray$6,04812%
Lyndon$4,901-9%
Lyons$5,5903%
Macksville$6,34717%
Madison$5,379-1%
Mahaska$4,959-8%
Maize$6,23915%
Manhattan$4,956-8%
Mankato$5,028-7%
Manter$6,00111%
Maple City$5,7707%
Maple Hill$4,921-9%
Mapleton$5,055-7%
Marienthal$6,01011%
Marion$5,259-3%
Marquette$5,6775%
Marysville$4,984-8%
Matfield Green$5,035-7%
Mayetta$4,816-11%
Mayfield$6,13813%
Mc Cracken$6,45719%
Mc Cune$4,959-8%
Mc Donald$5,6394%
Mc Farland$4,882-10%
Mc Louth$4,571-16%
McConnell AFB$6,27016%
McPherson$5,6314%
Meade$5,99311%
Medicine Lodge$6,34017%
Melvern$4,961-8%
Meriden$4,659-14%
Merriam$4,528-16%
Milan$6,21815%
Milford$4,898-10%
Milton$6,23115%
Miltonvale$5,090-6%
Minneapolis$5,4541%
Minneola$6,17314%
Mission$4,486-17%
Mission Hills$4,426-18%
Moline$5,6124%
Montezuma$6,01011%
Monument$5,7747%
Moran$5,049-7%
Morganville$4,892-10%
Morland$6,32517%
Morrill$4,558-16%
Morrowville$4,865-10%
Moscow$6,11013%
Mound City$4,809-11%
Mound Valley$5,211-4%
Moundridge$5,6013%
Mount Hope$6,19014%
Mulberry$4,866-10%
Mullinville$6,32817%
Mulvane$6,12213%
Munden$4,952-9%
Murdock$6,00911%
Muscotah$4,688-13%
Narka$4,763-12%
Nashville$6,00311%
Natoma$6,09313%
Neal$5,5382%
Nekoma$6,53521%
Neodesha$5,4230%
Neosho Falls$5,023-7%
Neosho Rapids$4,845-10%
Ness City$6,33017%
Netawaka$4,675-14%
New Cambria$5,207-4%
New Century$4,523-16%
Newton$5,8238%
Nickerson$6,08512%
Niotaze$5,5913%
Norcatur$5,95010%
North Newton$5,8478%
Norton$5,99011%
Nortonville$4,565-16%
Norway$4,825-11%
Norwich$6,05012%
Oaklawn-Sunview$6,33717%
Oakley$5,7677%
Oberlin$5,96810%
Offerle$6,23115%
Ogallah$6,31017%
Ogden$4,948-9%
Oketo$4,871-10%
Olathe$4,460-18%
Olmitz$6,45619%
Olpe$4,965-8%
Olsburg$4,954-8%
Onaga$4,921-9%
Oneida$4,640-14%
Opolis$4,799-11%
Osage City$4,966-8%
Osawatomie$4,828-11%
Osborne$6,17414%
Oskaloosa$4,579-15%
Oswego$4,956-8%
Otis$6,45619%
Ottawa$4,816-11%
Overbrook$4,677-14%
Overland Park$4,480-17%
Oxford$6,04012%
Ozawkie$4,629-14%
Palco$6,30917%
Palmer$4,918-9%
Paola$4,718-13%
Paradise$6,28116%
Park$6,06812%
Park City$6,26416%
Parker$4,867-10%
Parkerfield$5,93510%
Parsons$5,054-7%
Partridge$6,02511%
Pawnee Rock$6,44019%
Paxico$4,893-10%
Peabody$5,136-5%
Peck$6,17614%
Penokee$6,18814%
Perry$4,565-16%
Peru$5,5713%
Pfeifer$6,55821%
Phillipsburg$5,8759%
Piedmont$5,6374%
Pierceville$6,66423%
Piqua$5,119-5%
Pittsburg$4,848-10%
Plains$6,01911%
Plainville$5,97710%
Pleasanton$4,833-11%
Plevna$6,08512%
Pomona$4,813-11%
Portis$6,21715%
Potwin$6,01611%
Powhattan$4,557-16%
Prairie View$6,00911%
Prairie Village$4,413-18%
Pratt$6,30917%
Prescott$4,843-11%
Pretty Prairie$6,08012%
Princeton$4,864-10%
Protection$6,17214%
Quenemo$4,902-9%
Quinter$5,97410%
Ramona$5,046-7%
Randall$4,930-9%
Randolph$4,917-9%
Ransom$6,47120%
Rantoul$4,771-12%
Raymond$5,4681%
Reading$4,886-10%
Redfield$5,014-7%
Republic$4,827-11%
Rexford$5,6003%
Richfield$6,01111%
Richmond$4,856-10%
Riley$4,939-9%
Riverton$4,894-10%
Robinson$4,569-16%
Rock$6,10113%
Roeland Park$4,444-18%
Rolla$5,8238%
Rosalia$6,20615%
Rose Hill$6,23815%
Rossville$4,898-9%
Roxbury$5,4881%
Rozel$6,20115%
Rush Center$6,33617%
Russell$6,42019%
Sabetha$4,599-15%
Salina$5,237-3%
Satanta$6,01511%
Savonburg$5,078-6%
Sawyer$6,48420%
Scammon$4,984-8%
Scandia$4,935-9%
Schoenchen$6,56321%
Scott City$5,9149%
Scranton$4,899-9%
Sedan$5,5062%
Sedgwick$5,93510%
Selden$5,94210%
Seneca$4,653-14%
Severy$5,5563%
Sharon$6,42219%
Sharon Springs$5,5573%
Shawnee$4,468-17%
Silver Lake$4,895-10%
Simpson$5,104-6%
Smith Center$6,02811%
Soldier$4,912-9%
Solomon$5,077-6%
South Haven$6,00311%
South Hutchinson$6,05812%
Spearville$6,16714%
Spivey$6,15414%
Spring Hill$4,661-14%
St. Francis$5,6284%
St. George$4,900-9%
St. John$6,35517%
St. Marys$4,815-11%
St. Paul$5,038-7%
Stafford$6,33117%
Stark$5,080-6%
Sterling$5,5683%
Stilwell$4,544-16%
Stockton$5,95710%
Strong City$4,990-8%
Sublette$6,04212%
Summerfield$4,749-12%
Sun City$6,54621%
Sylvan Grove$5,4791%
Sylvia$6,07212%
Syracuse$5,6645%
Talmage$4,998-8%
Tampa$5,095-6%
Tecumseh$4,985-8%
Tescott$5,4160%
Thayer$4,991-8%
Tipton$4,981-8%
Tonganoxie$4,672-14%
Topeka$4,972-8%
Toronto$5,261-3%
Towanda$6,12513%
Treece$5,041-7%
Tribune$5,6214%
Troy$4,556-16%
Turon$6,02511%
Tyro$5,4300%
Udall$6,04512%
Ulysses$5,9109%
Uniontown$4,971-8%
Utica$6,41819%
Valley Center$6,21315%
Valley Falls$4,529-16%
Vassar$4,877-10%
Vermillion$4,742-12%
Victoria$6,25416%
Viola$6,37118%
Virgil$5,4791%
Wakarusa$4,903-9%
Wakeeney$6,26816%
Wakefield$5,017-7%
Waldo$6,32217%
Waldron$6,01611%
Walker$6,47620%
Wallace$5,8819%
Walnut$4,990-8%
Walton$5,8208%
Wamego$4,915-9%
Washington$5,029-7%
Waterville$5,017-7%
Wathena$4,568-16%
Waverly$4,974-8%
Webber$4,991-8%
Weir$4,915-9%
Welda$4,865-10%
Wellington$6,08312%
Wellsville$4,740-12%
Weskan$5,9199%
West Mineral$4,961-8%
Westmoreland$4,931-9%
Westphalia$4,822-11%
Westwood$4,440-18%
Westwood Hills$4,439-18%
Wetmore$4,607-15%
White City$4,955-8%
White Cloud$4,557-16%
Whitewater$6,01911%
Whiting$4,656-14%
Wichita$6,35217%
Williamsburg$4,877-10%
Wilmore$6,34817%
Wilsey$4,880-10%
Wilson$5,4841%
Winchester$4,595-15%
Windom$5,5983%
Winfield$5,97910%
Winona$5,6003%
Woodbine$4,948-9%
Woodston$6,03812%
Wright$6,42619%
Yates Center$5,208-4%
Zenda$6,13413%

Standard Kansas homeowners insurance typically covers damage from tornadoes and hailstorms. However, you may have a separate deductible for wind damage than you do for other covered perils or hazards.
  • Wind and hail deductibles are often offered as a percentage of your policy’s dwelling limit. If you choose a $300,000 dwelling limit with a 5% deductible, for example, you must pay the first $15,000 in wind damage repairs.
  • The deductible for other perils is usually offered in a flat dollar amount, often between about $500 and $2,500.
  • Wind deductibles tend to be higher than the deductible for other perils.
  • Choosing higher deductibles lowers your rate. They also require you to spend more of your own money to rebuild after a disaster.
Kansas homeowners insurance does not cover flood damage. However, you can buy a separate flood insurance policy for protection from this risk.

If you have a mortgage and live in a high-risk flood zone, your lender will make you get flood insurance. But the coverage is optional if you don’t have a mortgage or live in a low- or moderate-risk area. You can find a home’s flood risk on the Federal Emergency Management Agency (FEMA) website.

Most flood insurance is bought through the FEMA-managed National Flood Insurance Program (NFIP). The average NFIP flood insurance cost in Kansas is $971 a year, or about $81 a month.

A few private companies also offer flood insurance. Some private flood insurance companies offer more coverage than NFIP. Unless you are buying flood insurance to close a loan, you have to wait 30 days for the coverage to kick in. Private flood insurance often has shorter waiting periods.

Most local home insurance agents can help you get flood insurance quotes. Start with your current agent, or speak with companies you contacted for home insurance quotes.

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Kansas. The following coverages and deductible were used unless otherwise noted:

  • $400,000 dwelling coverage
  • $40,000 other structures
  • $200,000 personal property
  • $80,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible


Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.