You would likely want to know how much is homeowners insurance in Kansas, if you are already a homeowner or shopping for a home to buy and are doing some comparison shopping. Keeping an eye on your household budget, it will help to figure out how much you will need to spend each month so let’s take a look at some homeowners insurance rates in Kansas. Importantly, the average cost of homeowners insurance in Kansas is second highest in the nation after Oklahoma with the average of $2461 annually which is about $205 per month. This is well above the national average of $1445. For a dwelling worth $300,000, with a $1000 deductible and $300,000 in liability coverage in Kansas could cost up to $4666 annually or $388 a month. So, already, we have an idea of the wide range of factors that may impact the cost of homeowners insurance in Kansas. Due to the extreme weather in Kansas, costs of homeowners insurance varies widely based on where you live with the least expensive city being Gardner at an average of $1835 annually, and the most expensive city being Garden City at an average of $2976 annually. Importantly, Kansas, in terms of affordability in housing costs, is right along with the national average of housing cost as a percentage of income at 37%, which is considered quite high. The statistical goal is for people to spend less than 30% of their income on housing so Kansas is on the more expensive side.