How you're covered

Kansas doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Common claims in Kansas

Kansas ranks first in the nation for the number of F5 tornadoes, rare and powerful storms with windspeeds as high as 318 mph. These storms can cause unbelievable damage to homes. In addition to tornadoes, lightning and hail damage are also common in the state and can cause large amounts of destruction.

Your home insurance policy may cover damage to your home's structure caused by severe weather, as well as the cost to rebuild your home and replace your belongings, up to your policy's limits.

Learn more about how home insurance may cover damage caused by severe weather.

On rare occasions, Kansas can also experience severe flooding due to heavy rains that cause the Missouri, Arkansas, and other rivers to spill over their banks. A flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

How much is homeowners insurance in Kansas?

Your cost for Kansas homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home in Kansas?

If you own a rental property in Kansas, you'll likely want a home insurance policy to protect your investment. Landlord insurance may provide dwelling, liability, and other types of coverages that can protect you and your property. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about homes in Kansas

  1. As of March 2021, the homeownership rate in Kansas was 69.5%.

  2. The Kansas City real estate market is heating up as buyers from around the country are taking advantage of the relatively low cost of living.

  3. One of Kansas' most expensive homes is a $10.9 million mansion with its own water park.

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