Colby Insurance Rates:

Colby, KS homeowners insurance is about $828 to $1,128, about $69-$94/month. Our in depth guide shows customers can save upto $391 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Colby, KS Homeowners Insurance By Home Value

Colby, KS Home Value Total Homes % of Total Average Colby, KS Homeowners Insurance
Less than $50,000 153 10.0% $254
$50,000 to $59,999 93 6.0% $537
$60,000 to $69,999 146 10.0% $674
$70,000 to $79,999 154 10.0% $772
$80,000 to $89,999 96 6.0% $880
$90,000 to $99,999 172 12.0% $987
$100,000 to $124,999 210 14.0% $1144
$125,000 to $149,999 78 5.0% $1427
$150,000 to $174,999 115 8.0% $1682
$175,000 to $199,999 46 3.0% $1946
$200,000 to $249,999 44 3.0% $2337
$250,000 to $299,999 100 7.0% $2865

Top Home Insurance Agents Near Colby, KS

Home Insurance Company Near Colby, KS Homeowners Insurance Agency Near Colby, KS Address
NA Win Hill Insurance Associates, Inc 101 Bellview Ave, Winona, KS, 67764
NA Grinnell Insurance Agency, Llc Po Box 365, Grinnell, KS, 67738
NA Hoxie State Insurance, Inc. 824 Main, Hoxie, KS, 67740
NA Eberle Insurance Agency 272 Main, Grainfield, KS, 67737
Farmers Gary Leach 209 Washington St, St Francis, KS, 67756

Cost Of Homeowners Insurance By Street Near Colby, KS

Streets in Colby Area Homeowners Insurance Cost
Copeland Ave, E 2nd St, S Mission Ridge Ave, Sunset Dr, W Aspen St, Copeland Dr, E Plum St, Co Rd P, Th R, Co Rd 23$977
Maize Rd, S Court Ave, N Country Club Dr, Woofter Ave, Co Rd 15, Oak, E 9th St, S Garfield Ave, School Ave, Elm St$982
Zelfer Ave, Austin Ave, N Franklin Ave, N Grant Ave, S School Ave, College Dr, Co Rd 17, Cherry, E 6th St, Co Rd Q$974
Mentlick Dr, Co Rd U, E Ash St, Smith Dr, Country Club Dr, la Casa Dr, W 4th St, Fike Park St, Depe Ln, W Webster St$974
W Walnut St, Kings Ct, N Court Ave, Chrysler Dr, Redwood St, Walker Ave, State Hwy 25, E Pine St, Cherokee Dr, W Ash St$979

Colby, KS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Colby$145 to $147
Thomas County$146
Morgan$157
Levant$137

Colby, KS Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Thomas County, Kansas $122 $163 $244
Morgan township, Thomas County, Kansas $131 $174 $261
Rovohl township, Thomas County, Kansas $118 $157 $236

Colby, KS Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Colby, KS7.5%18.8%
Thomas County7.22%19.07%
Morgan5.49%19.01%
Gem12.06%35.22%

Colby Renters Insurance as a Percentage of Rent

Colby Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 78 10.0% $353
$200 to $299 70 8.0% $803
$300 to $499 360 46.0% $1253
$500 to $749 181 23.0% $1928
$750 to $999 44 5.0% $2678
$1,500 or more 39 5.0% $5453

Average Cost Of Home Insurance By Company In Areas Nearby Colby For Different Scenarios

Coverage ($) Company Average homeowners insurance premium ($)
Fire protection class 1-8 Fire protection class 9 Fire protection class 10
100,000 Garrison Property And Casualty Insurance Company 2,515 2,660 2,660
100,000 Mutualaid Exchange 642 830 907
100,000 Travelers Home And Marine Insurance Company (The) 1,158 1,836 2,334
100,000 Travelers Property Casualty Insurance Company 1,131 1,792 2,277
200,000 Shelter Mutual Insurance Company 2,398 3,523 4,710
200,000 Usaa General Indemnity Company 2,952 3,075 3,075
300,000 Garrison Property And Casualty Insurance Company 3,941 4,160 4,160
300,000 Mutualaid Exchange 1,626 2,096 2,293
300,000 Nationwide Affinity Insurance Company Of America 3,801 6,103 6,912
300,000 Safeco Insurance Company Of America 2,748 5,138 6,046

Colby, KS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Colby Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $12,500$11,500
Net Savings to Colby Home Owner from High Deductible Plan $1,000

Colby, KS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Colby, KS Home Replacement Value MORE than Home Value Colby, KS Home Replacement Value LESS than Home Value
Replacement Value $123,500 $81,000
Insurance Premium based on Replacement Value $1,925 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $225/year

Example Colby Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceFarmers InsuranceGEICO Insurance
Monthly Premium 135105111
Year Built 199719641971
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $150000-$175000$75000-$100000$75000-$100000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Colby, KS from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 80,000 Metal Roof 1,460 2 $1000-$2500 Deductible 100 1 Stucco siding No
1969 185,000 Slate Shingles Roof 2,290 5 $2500-$5000 Deductible 100 1 Stucco siding No
1984 55,000 Asphalt Shingles Roof 940 2 $500 Deductible 610 10 Wood siding yes
1977 85,000 Asphalt Shingles Roof 1,110 2 $500- $1000 Deductible 240 4 Wood siding No
1948 335,000 Membrane Roof 4,820 5 > $10,000 Deductible 1870 10 Brick siding yes
1987 115,000 Membrane Roof 1,750 3 $500- $1000 Deductible 530 4 Brick siding No
1972 185,000 Composition Roof 2,830 4 $500 Deductible 2880 12 Vinyl siding yes
1993 180,000 Wood Shake Roof 2,220 4 $500- $1000 Deductible 450 2 Stucco siding yes
1973 280,000 Membrane Roof 4,650 5 $2500-$5000 Deductible 940 5 Brick siding No
1972 320,000 Membrane Roof 4,340 5 $500 Deductible 1540 4 Fiber-Cement Siding No
1940 125,000 Asphalt Shingles Roof 1,890 5 $1000-$2500 Deductible 340 4 Stucco siding yes
1993 145,000 Wood Shake Roof 1,860 4 $2500-$5000 Deductible 710 6 Fiber-Cement Siding No
1949 175,000 Wood Shake Roof 2,870 4 $500- $1000 Deductible 120 1 Wood siding yes
1995 75,000 Membrane Roof 1,300 3 $2500-$5000 Deductible 50 1 Vinyl siding No
1969 155,000 Shingles Roof 2,420 5 $5000 to $10,000 Deductible 700 7 Wood siding yes
1962 120,000 Composition Roof 1,920 5 $500 Deductible 880 6 Wood siding yes
1948 120,000 Tile Roof 1,840 3 $500 Deductible 350 2 Stucco siding yes
1942 330,000 Tile Roof 4,860 5 > $10,000 Deductible 480 3 Fiber-Cement Siding No
1944 155,000 Composition Roof 2,880 5 $5000 to $10,000 Deductible 480 5 Fiber-Cement Siding No
1994 310,000 Composition Roof 4,890 5 $2500-$5000 Deductible 1050 3 Vinyl siding yes
1999 185,000 Slate Shingles Roof 3,260 4 $2500-$5000 Deductible 1340 7 Brick siding yes
1970 185,000 Asphalt Shingles Roof 3,380 5 $5000 to $10,000 Deductible 120 1 Brick siding No
1990 240,000 Composition Roof 3,550 5 $2500-$5000 Deductible 1430 6 Stone Siding yes
1945 120,000 Composition Roof 1,630 4 $2500-$5000 Deductible 460 5 Brick siding yes
1965 85,000 Composition Roof 1,560 2 $500 Deductible 160 2 Stone Siding yes
1961 105,000 Wood Shake Roof 1,360 3 $2500-$5000 Deductible 420 5 Vinyl siding No
1961 240,000 Slate Shingles Roof 3,590 5 $1000-$2500 Deductible 1430 6 Stone Siding No
1983 205,000 Tile Roof 3,800 5 $2500-$5000 Deductible 160 1 Brick siding No
1987 100,000 Membrane Roof 1,780 2 $1000-$2500 Deductible 920 9 Fiber-Cement Siding No
1962 160,000 Composition Roof 2,370 3 $2500-$5000 Deductible 1010 8 Wood siding No
1940 155,000 Tile Roof 2,040 3 $500 Deductible 340 2 Stone Siding No
1992 165,000 Composition Roof 2,510 5 $1000-$2500 Deductible 1870 12 Fiber-Cement Siding yes
1993 105,000 Composition Roof 1,650 3 $500- $1000 Deductible 540 6 Fiber-Cement Siding No
1983 195,000 Tile Roof 2,570 5 $2500-$5000 Deductible 1210 9 Vinyl siding No