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If you’re shopping for condo insurance in Kansas, you can expect to pay $482 a year on average. However, you can save by shopping around.
Our rate comparison for a condo insurance policy with $60,000 in personal property coverage, $300,000 in liability and a $1,000 deductible found that Iowa Farm bureau has the cheapest condo insurance in Kansas, with an average rate of $289.
Below, we’ll explore the cost of condo insurance in Kansas by company, coverage level and more.
Key Takeaways
- Condo insurance in Kansas costs an average of $482 annually or $40 a month.
- The cheapest company for condo insurance in Kansas is Iowa Farm bureau at $289 annually.
- Shop around and compare your options to find the best condo insurance in Kansas for your needs.
Average cost of condo insurance in Kansas
Our analysis of rates for a condo insurance policy in Kansas found that the average rate is $482 a year, which is $40 a month. That’s based on a sample policy with $60,000 in personal property coverage, $300,000 of personal liability coverage and a $1,000 deductible.
Condo insurance in Kansas costs $174 less than the national average rate of $656.
| Average annual premium | Average monthly premium |
|---|---|
| $482 | $40 |
Compare condo insurance rates in Kansas by coverage level
“Condo insurance provides a comprehensive and standardized package of coverages for the condominium owner. The insured gets coverage for both property and liability exposures, and even assessment coverages. Assessments can result after a neighborhood association suffers damage to a piece of commonly-owned property, such as the pool house or the leasing office,” says Brenda Wells, chair of the Department of Finance and Insurance at East Carolina University.
How much condo insurance coverage you need will impact what you pay for your policy. Below, we’ve gathered rates for condo insurance in Kansas at various coverage levels for comparison.
| Coverage level | Average annual rates | Average monthly rates |
|---|---|---|
| 40000 with 1000 Deductible and 100000 Liability and None Hurricane | $415 | $35 |
| 40000 with 1000 Deductible and 300000 Liability and None Hurricane | $427 | $36 |
| 60000 with 1000 Deductible and 100000 Liability and None Hurricane | $469 | $39 |
| 60000 with 1000 Deductible and 300000 Liability and None Hurricane | $482 | $40 |
| 80000 with 1000 Deductible and 100000 Liability and None Hurricane | $525 | $44 |
| 80000 with 1000 Deductible and 300000 Liability and None Hurricane | $538 | $45 |
| 100000 with 1000 Deductible and 100000 Liability and None Hurricane | $577 | $48 |
| 100000 with 1000 Deductible and 300000 Liability and None Hurricane | $590 | $49 |
Average condo insurance cost from top companies in Kansas
Condo insurance rates vary by company. We gathered rates from the top condo insurance companies in Kansas for comparison.
| Company | Average annual rates | Average monthly rates |
|---|---|---|
| Iowa Farm bureau | $289 | $24 |
| State Farm | $355 | $30 |
| Auto-Owners | $375 | $31 |
| Shelter Insurance | $422 | $35 |
| Allstate | $443 | $37 |
| Nationwide | $535 | $45 |
| American Family | $559 | $47 |
| Marysville Mutual | $637 | $53 |
| Farmers | $670 | $56 |
Condo insurance cost by city in Kansas
Where you live in Kansas also affects what you pay for condo insurance. Below are the average condo insurance rates for major cities in Kansas. The cheapest city for condo insurance in Kansas is Lenexa at an average rate of $463 .
| City | Average annual rates | Average monthly rates |
|---|---|---|
| Lenexa | $463 | $39 |
| Olathe | $463 | $39 |
| Overland Park | $464 | $39 |
| Shawnee | $464 | $39 |
| Lawrence | $465 | $39 |
| Manhattan | $465 | $39 |
| Salina | $470 | $39 |
| Topeka | $473 | $39 |
| Kansas City | $476 | $40 |
| Wichita | $499 | $42 |
Best condo insurance companies in Kansas
Rates aren’t everything; you want a condo insurance company with a good reputation for taking care of its customers, too. We analyzed rates, customer service ratings and financial stability scores to find the best condo insurance companies in Kansas.
| Company group | Annual premium | AM Best | NAIC rating | Insure.com rating |
|---|---|---|---|---|
| State Farm | $355 | A++ | 0.95 | 5 |
| Allstate | $443 | A+ | 0.9 | 4.47 |
| Nationwide | $535 | A+ | 0.87 | 4.07 |
| Auto-Owners | $375 | A++ | 0.33 | 3.61 |
| Marysville Mutual | $637 | A | 0.87 | 3.6 |
| Shelter Insurance | $422 | A | 0.42 | 3.45 |
| American Family | $559 | A | 0.37 | 2.81 |
| Farmers | $670 | A | 0.54 | 2.77 |
Frequently asked questions
Is condo insurance required in Kansas?
There is no state law that requires condo insurance. However, if you have a mortgage on your condo, your lender will require that you have a condo insurance policy.
What affects condo insurance costs in Kansas?
Condo insurance rates are affected by several factors, including where the condo is located, your credit history, how much coverage you need and claims history (both yours and the unit’s).
“A condominium is an individual unit inside a structure filled with adjoining residential units. The same factors that affect the rates on any other residential structure affect the rates on condominiums. The main things we look at in setting insurance rates are the building’s construction and safety features, the geographic location and the occupancy or use of the property,” Wells says.
What our expert says
Q: What affects condo insurance rates?
Methodology
Insure.com commissioned condo insurance rates from Quadrant Data Services for condo (HO-6) insurance policies in all 50 states and Washington, D.C. Rates were fielded for a condo insurance policy with coverage levels of $40,000, $60,000 and $100,000 for personal property and at $100,000 and $300,000, with a $1,000 deductible.
Rates were fielded from 34,588 ZIP codes and 145 companies and were based on a good credit tier where credit is used in calculating rates.
Condo insurance cost in other states
