HomeInsuranceQts

Home Insurance in Kansas

Homes in Kansas carry a median value of $217,200.

The typical home in Kansas was built around 1976. About 32% of homes were built before 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kansas is 77% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes.

About 57% of owner-occupied homes in Kansas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 67% of occupied homes in Kansas are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Kansas, 63% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).

Key figures

Median home value$217,200
Median year built1976
Owner-occupied share67%
Share of owner-occupied homes with a mortgage57%
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)

Counties

Sources