Madison Insurance Rates:

Madison, KS home insurance is roughly $837 to $1,151, about $69-$95/month. Our comprehensive guide indicates shoppers can save upto $397 by comparing multiple quotes

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Madison Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $1850/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 3260 sqft Vacation Property Constructed In 1982 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $780/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 2270 sqft Vacation Property Constructed In 1989 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $460/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1860 sqft Rental Property Constructed In 1997 with Linoleum, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $400/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 4520 sqft Vacation Property Constructed In 1992 with Linoleum, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1390/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 3160 sqft Rental Property Constructed In 2014 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1140/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

5 Beds, 5 Baths 1620 sqft Vacation Property Constructed In 2012 with Wood Flooring, Metal Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1130/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2810 sqft Rental Property Constructed In 1998 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1060/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 2170 sqft Primary Residence Constructed In 2014 with Stone Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $600/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 1870 sqft Primary Residence Constructed In 2013 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Madison, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66860 $72,200 $980

Madison Rates & Quotes Analysis:

Madison Area Estimated House Insurance
Stanton Rd, N Lake St, Co Hwy 384, Stockdale Park Rd, Mill Cove, Co Hwy 406, Bowman Dr, E Chestnut St, High Meadows Cir, McClellan Loop$1,021
West St, Hackberry Cir, Liberty Ln, Thompson Rd, Rabbit Run, W 63rd Ave, Co Hwy 378, Willow Pond Ln, University Park Rd, Longstreet Dr$1,016
Blue Ridge Ct, Leedy Ln, Mayday Rd, Top of the World Dr, Baldwin Park Branch, Co Rd 875, Co Hwy 396, Christenson Hill, Wieter's Rd, W 60th Ave$1,024
Garfield St, Briar Ln, Canyon Rd, Governor Harvey Canyon Rd, Spring Dr, S Broadway St, 19600 Rd N, Lakeside Dr, Crooked Creek Rd, Hillside Dr$1,020
Co Hwy 875, Blue Spruce Ln, NE Epelding, Mosby Pl, Bodaville Rd, Silver Spr, Ramp Rd, Deer Run, May Day Rd, Summit Ridge Dr$1,020

Insurance rates are influenced by a number of factors including:

  • Year Built: 972 Homes (45% of total homes ) built between 1970 to 1979 in Madison are paying home insurance between $1,612-$1,627. Places close to Madison, KS such as Wildcat, Milford, Riley County are more expensive by $146, $112, $60 respectively while Riley and Fort Riley are cheaper by $13 and $138 respectively for similar homes.
  • Bedrooms: 362 4 bedrooms homes (19% of total homes ) in Madison are paying about $1,411 and differs from Wildcat (+$128), Milford (+$98), Riley County (+$53), Riley (-$11) and Ogden (-$3).
  • Auto Insurance Bundling: 133 Households (44% of all households) in Madison have 3 or more vehicles available and when it is bundled with home insurance you can save $248. Discounts for similar bundling in close by locations such as Wildcat, Riley, Milford come to $271, $246, $265 respectively.
  • Senior Discounts: 139 seniors (more than 55 years) occupied housing units (46% of total) in Madison get discounts between $147 to $150. The comparative concessions in proximate regions such as Wildcat, Riley and Milford are $162, $147 and $159 respectively.
  • New Homes discounts: New homes such as the 477 homes built between 2000 to 2009 in Madison can save $198 and similar new home insurance discounts in nearby towns and cities like Wildcat, Riley and Milford are $216, $197 and $212 respectively.

Madison Homeowners insurance Facts

  • Madison, KS has 297 owner occupied houses which is 15.7% of all units whereas Wildcat, Riley and Milford have 84.48%, 68.33% and 83.23% respectively.
  • Madison, KS homeowners yearly insurance price at $994 is 0.86% of the typical house value of $116,000 which is in contrast with 0.45% in Wildcat, 0.94% at Riley & 0.5% in Milford.
  • Homeowners in Madison, KS pay 2.65% of their income ($35,000 to $39,999) in insurance whereas homeowners in Wildcat, Riley and Riley County pay 2.89%, 2.63% and 2.75% respectively.
  • Madison, KS’s insurance is 7.7% of monthly housing costs of $1,071/month, for owners with a mortgage compared to 4.45% in Wildcat, 7.75% at Riley & 5.14% in Milford. But, for households without a mortgage, insurance is 16.2% of costs ($513 in Madison, KS) in contrast with 25.96% in Wildcat, 16.87% at Riley & 16.43% in Milford.

Madison, KS Home Values & Insurance rates

For example, insurance for 34 Homes (11.0% of total homes ) valued between $150,000 to $174,999 in Madison, KS is about $1,391. Rates in nearby areas in such as Wildcat, Milford, Riley County are cheaper by $665, $584, $391 respectively while Riley and Ogden are costlier by $127 and $37 respectively for similar homes.

Madison, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 20 7.0% $208
$50,000 to $59,999 15 5.0% $447
$60,000 to $69,999 15 5.0% $556
$70,000 to $79,999 32 11.0% $636
$80,000 to $89,999 18 6.0% $725
$90,000 to $99,999 19 6.0% $805
$100,000 to $124,999 46 16.0% $934
$125,000 to $149,999 58 20.0% $1172
$150,000 to $174,999 34 11.0% $1391
$175,000 to $199,999 5 1.0% $1600
$200,000 to $249,999 3 1.0% $1928
$250,000 to $299,999 11 3.0% $2355
$300,000 to $399,999 9 3.0% $2991

Renters Insurance in Madison

  • Average Renters Insurance in Madison :  $187($15/month)

  • Median Gross Rent in Madison :  $1,140

  • Madison Renters Insurance to Median Rent Ratio:  1.32%

  • Renter occupied housing units in Madison :  1,595

Madison Renters Insurance as a Percentage of Rent

Madison Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 8 1.0% $346
$300 to $499 11 1.0% $1246
$500 to $749 52 7.0% $1921
$750 to $999 109 14.0% $2671
$1,000 to $1,499 470 63.0% $3796
$1,500 or more 87 11.0% $5446

Rent Affordability in Madison:

Approximately 75.0% (1,201) of households are spending more than 35% of their income on gross rent in Madison

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 94 5.0%
15.0 to 19.9 percent 71 4.0%
20.0 to 24.9 percent 94 5.0%
25.0 to 29.9 percent 84 5.0%
30.0 to 34.9 percent 51 3.0%
35.0 percent or more 1,201 75.0%

Protective device discount in Madison Up to :  $28

Claims-free discount in Madison Up to :  $37