Rates by Kansas Homeowners Insurance Type
Homeowners living in Kansas often pay the cheapest rates for homeowners insurance because your home is located in the midwest region of the country. At GetHomeInsuranceQuotes.com, we want to help you determine which coverate type works best for you in the "The Sunflower State" state. In Kansas, there are over six coverage types to choose from, your most common type is an HO-3 policy which is very standard in your area. A Homeowners 3 policy will provide coverage for all perils, except those excluded on the policy, for example flood damage is not covered under an HO-3 policy. You will need to purchase a separate flood insurance policy to gain that additional protection. Given that your home is located in a very low risk region, Kansas homeowners are not normally required to purchase additional coverage like flood insurance, wind and hail or earthquake insurance.
Below is list of coverage types listed with the average rates for each. We can help you compare Kansas homeowners insurance quotes and coverage options easily only or over the phone. Most homeowners are not sure what type of coverage is best and often times your mortgage provider may require certain types based on the property type of your home. Please review the average Kansas homeowners insurance rates and let us help you shop and compare the best coverage option and lowest premiums.
Review average homeowners insurance premiums in Kansas per coverage type.
| Coverage Type | Overview | Rates | Countrywide | Difference |
|---|---|---|---|---|
| DW | Dwelling Fire Policy - slimmed down version that offers limited coverage, for example: fire and smoke only. | $527 | $857 | $330 |
| HO-1 | Basic 'named-perils' like fire, lightning or hail coverage on the home and personal property | $696 | $1149 | $453 |
| HO-2 | Broad 'named-perils' coverage on the home and personal property; provides coverage for more perils than HO-1 package. | $1248 | $1110 | $-138 |
| HO-3 | Most Common: Provides 'all-risks' coverage on the home, broad named-peril coverage on personal property. Insurance providers against risks of direct loss, except losses specifically stated in the policy, like flood damage. | $1343 | $1095 | $-248 |
| HO-5 | Provides 'all-risks' coverage on newer homes, more of an upscale policy. | $1470 | $1061 | $-409 |
| HO-8 | Older home policy which includes repair cost coverage for the dwelling where the replacement cost exceeds current market value. | $1048 | $937 | $-111 |
| Total | Kansas's average including all coverage types | $1353 | $1085 | $-268 |
Easily Compare Your Own Home Insurance Rates in Kansas! | ||||
Average Rates Per Top 10 Cities in Kansas
What to find out more information about your city in Kansas? Please click one of the following cities below to discover more detailed information about homeowners insurance in your area.
- Overland Park, KS Home Insurance Rates
- Wichita, KS Home Insurance Rates
- Shawnee, KS Home Insurance Rates
- Mission, KS Home Insurance Rates
- Lenexa, KS Home Insurance Rates
- Lawrence, KS Home Insurance Rates
- Leawood, KS Home Insurance Rates
- Olathe, KS Home Insurance Rates
- Kansas City, KS Home Insurance Rates
- Topeka, KS Home Insurance Rates
Kansas has over 105 counties, here are the top 5 counties that we provide a great deal of home insurance rates and services for: Johnson County, KS Homeowners Insurance, Sedgwick County, KS Homeowners Insurance, Shawnee County, KS Homeowners Insurance, Wyandotte County, KS Homeowners Insurance, Douglas County, KS Homeowners Insurance, for a full county list of Kansas, visit our Kansas homeowners insurance page.