🏠 Why Home Insurance Rates Keep Going Up in Kansas (and What You Can Do About It)By: Michael Goodman | Goodman Insurance Solutions

If Your Home Insurance Just Went Up — You’re Not Alone

You’ve probably noticed it: your home insurance renewal came in higher than last year.

Maybe it’s $100 more, maybe $400. Either way, you’re asking the same question everyone is — why?

You’re not the only one frustrated. In fact, Kansas has seen some of the steepest home insurance increases in the country over the last few years. But the good news? There are still smart ways to protect your home and your wallet if you know what’s driving these costs.

Let’s break it down — in plain English.

1. Kansas Weather Has Been Hammering Insurance Companies

Between hail, wind, and tornadoes, Kansas ranks near the top of the list for weather-related insurance claims.

Every storm season brings more roof damage, more siding claims, and more payouts from insurance companies.

When insurers have to pay out billions of dollars in storm losses across the state, they raise premiums to rebuild their reserves — even for folks who haven’t filed a claim.

💡 Think of it like car insurance: even if you’re a good driver, your rate can go up if everyone else around you keeps getting in accidents.

2. Repair and Construction Costs Are Way Up

It’s no secret — building materials and labor costs have jumped dramatically since 2020.

Shingles, lumber, and skilled labor are all more expensive, so even a small roof repair costs insurance companies a lot more today than it did a few years ago.

That means your home’s replacement cost value (what it would take to rebuild it) has gone up too — and your policy has to reflect that.

Even if you haven’t changed your home, the cost to replace it has. That’s a big driver behind today’s premium increases.

3. Reinsurance Costs Are Skyrocketing

Here’s one most folks don’t hear about: insurance companies have insurance too.

It’s called reinsurance, and it’s how insurers protect themselves from massive losses (like big hail events).

Reinsurance rates have gone through the roof lately — especially in states like Kansas where severe weather is common. When reinsurance costs go up, local carriers have no choice but to pass some of that increase down to consumers.

4. Claim Frequency (and Fraud) Are Both Up

There’s been a noticeable rise in small claims and unfortunately, a few bad actors taking advantage of storms.

When claims (and costs) rise faster than premiums, insurance companies raise rates to balance the books.

That’s why turning in small claims for things like minor shingle damage or a few fence boards can sometimes hurt you in the long run. Insurance companies track claim frequency closely — and fewer claims can mean better pricing later.

5. Inflation Hits Insurance, Too

From materials to legal costs, inflation touches everything.

Insurers are paying more for every claim, every repair, and every rebuild — and that inflation shows up in your premium.

It’s not just Kansas; it’s happening nationwide. But local storm activity makes it worse here.

What You Can Actually Do About It

Okay — so rates are going up. Now what?

Here’s the good news: you still have control over a lot more than you might think.

✅ 1. Raise Your Deductible (If It Makes Sense)

If you can handle a little more out-of-pocket in an emergency, a higher deductible can drop your premium by 10–25%.

It’s not for everyone, but if you rarely file claims, it’s worth considering.

✅ 2. Review Your Coverage Once a Year

It’s easy to let your policy ride for years without checking it. But reviewing your coverage each year helps catch:

Outdated home values

Unnecessary add-ons

Missing discounts (like home/auto bundles or alarm systems)

A 15-minute policy review can easily save you hundreds.

✅ 3. Avoid Small Claims

If you can afford to fix minor issues out of pocket, do it.

Insurance is meant for the big stuff — and too many small claims can hurt your renewal pricing.

✅ 4. Work With an Independent Agent

This one matters most.

Independent agencies (like Goodman Insurance Solutions) can compare policies from multiple carriers — not just one.

That means we can find the right fit for your home, location, and budget without cutting corners.

Sometimes, it’s not about finding the cheapest policy — it’s about finding the one that gives you the best value for what you pay.

FAQs: Kansas Home Insurance Rate Increases

❓ Why are home insurance rates going up in Kansas?

Mainly because of severe weather, rising construction costs, and higher reinsurance expenses that impact every insurer in the region.

❓ How much have premiums increased?

Most Kansas homeowners are seeing 10–30% increases year over year, depending on their area and claim history.

❓ Can I lower my home insurance without losing coverage?

Yes — by adjusting deductibles, reviewing your coverage, and comparing carriers through an independent agent.

❓ Do home improvements help my rates?

Yes. New roofs, hail-resistant shingles, and home security systems can all qualify for discounts.

❓ How often should I review my policy?

At least once a year, or any time you make major updates to your home.

Final Thoughts

Rising insurance rates can feel frustrating — especially when you haven’t had a claim. But remember: not all of it is in your control, and not all companies handle it the same way.

What is in your control is working with someone who will explain your options clearly and make sure you’re not paying for coverage you don’t need.

If your premium jumped and you’re not sure why, let’s talk.

We’ll review your policy line by line and find out what’s driving the increase — and where we can save you money.

💬 Let’s make your insurance make sense again.

Contact Goodman Insurance Solutions for a clear, honest home insurance review.

📞 Visit goodmaninsurancesolutions.com or email Mike@GoodmanInsuranceSolutions.com to get started.