Derby Insurance Rates:

Derby, KS homeowners insurance is about $862 to $1,171, about $71-$97/month. Our all inclusive analysis indicates shoppers can save upto $406 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
They are a little costly in premiums and although it's my choice of deductibles, it's still on the higher end if i want the coverage i need.
California Casualty
The earthquake coverage doesn't seem very adequate and isn't always available. i've received coverage offers with a limited time to take action.
California Casualty
Questions that i have regarding my policy can be found online around the clock or via an agent over the phone.
Progressive
I love Progressive. I have never had a problem with them and I feel like they really value my service.
Progressive
Their customer service is wonderful. I have used progressive for many years for both my home and cars and have had to make a couple of claims along the way. The customer service reps were all very polite and courteous and made the process as painless as possible.
Geico
It's been fine, until a recent inquiry I had with them about additional/other insurance plans offered. They were not very helpful and didn't email me back. I had to call to get my answer. They didn't really follow up with me, either.
State Farm
State Farm does really not have an online site for renters policy, so I am unsatisfied that they are not in keeping with the modern age

Derby, KS Homeowners Insurance By Home Value

Derby, KS Home Value Total Homes % of Total Average Derby, KS Homeowners Insurance
Less than $50,000 161 2.0% $162
$50,000 to $59,999 99 1.0% $355
$60,000 to $69,999 93 1.0% $437
$70,000 to $79,999 156 2.0% $508
$80,000 to $89,999 455 7.0% $579
$90,000 to $99,999 389 6.0% $650
$100,000 to $124,999 780 12.0% $752
$125,000 to $149,999 1,088 17.0% $945
$150,000 to $174,999 1,075 17.0% $1108
$175,000 to $199,999 746 12.0% $1281
$200,000 to $249,999 666 10.0% $1545
$250,000 to $299,999 304 4.0% $1891
$300,000 to $399,999 142 2.0% $2400

Top Home Insurance Agents Near Derby, KS

Home Insurance Company Near Derby, KS Homeowners Insurance Agency Near Derby, KS Address
Travelers Carson Insurance Group 122 W Main Street, Mulvane, KS, 67110
State Farm Crystal Mceachern 1133 S Rock Rd Ste 3, Wichita, KS, 67207-3357
State Farm Gary Thompson 3700 N Woodlawn Blvd Ste 104, Wichita, KS, 67220-2221
State Farm Kevin R Rathert 2929 N Rock Rd Ste 140, Wichita, KS, 67226-5102
Allstate Ross Viner 1603 N Chapel Hill St Ste 100, Wichita, KS, 67206

Cost Of Homeowners Insurance By Street Near Derby, KS

Streets in Derby Area Homeowners Insurance Cost
N Button Bush Cir, S Mockingbird Ln, Hackberry Rd, S Brookhaven St, W Crestway Ave, S 159th St E, Chet Smith Ave, S Georgie, Woodard, W Mallard Dr$1,059
Greenwich Ct, Forest Park Ct, S Sontag St, S Lauber Ln, E Saddle Run, Dover St, N Timberleaf Dr, E Emma, Nixon St, Walnut Grove Rd$1,025
E Madison Ave, S Land Ave, W Mulvane St, E Maple, Keys Ct, W Sandhill Rd, S Brook Forest Rd, Joann Dr, E 87th Ct, N Ridgecrest Rd$1,015
S Walnut Creek Dr, N Mulberry Rd, E Main St, Dry Creek Ct, Cedar St, Redbud Ct, Baltimore Pl, E Rosewood Ln, Maryland St, S Wind Rd$1,025
Martha Ave, S Oaklawn Pl, S Circle Dr, E Windwood Ct, N Buckner St, E 63rd St S, E Crestway, Briarwood Pl, W Collier Ave, Quail Ridge Ct$1,029

Derby, KS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Derby$151 to $153
Riverside$147
Rockford$151
Oaklawn-Sunview$140

Derby, 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
Riverside township, Sedgwick County, Kansas $148 $197 $296
Rockford township, Sedgwick County, Kansas $152 $202 $303
Oaklawn-Sunview CDP, Kansas $140 $187 $281

Derby, 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
Derby, KS6.4%18.8%
Riverside7.06%21.16%
Rockford6.42%18.12%
Oaklawn-Sunview12.04%36.58%

Derby Renters Insurance as a Percentage of Rent

Derby Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 53 2.0% $337
$200 to $299 37 1.0% $787
$300 to $499 72 3.0% $1237
$500 to $749 636 27.0% $1912
$750 to $999 946 41.0% $2662
$1,000 to $1,499 363 15.0% $3787
$1,500 or more 171 7.0% $5437

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

Coverage ($) Company Average homeowners insurance premium ($)
Fire protection class 1-8 Fire protection class 9 Fire protection class 10
100,000 Csaa Fire And Casualty Insurance Company 1,190 1,675 1,855
100,000 Travelers Home And Marine Insurance Company (The) 1,696 2,579 3,232
100,000 Travelers Property Casualty Insurance Company 1,655 2,516 3,153
200,000 Csaa Fire And Casualty Insurance Company 1,954 3,031 3,477
200,000 Travelers Property Casualty Insurance Company 2,533 3,749 4,633
200,000 Usaa General Indemnity Company 2,851 3,021 3,021
300,000 Homesite Indemnity Company 2,847 3,710 4,323
300,000 Nationwide Affinity Insurance Company Of America 4,046 6,515 7,368
300,000 Safeco Insurance Company Of America 2,662 4,975 5,852
300,000 Shelter Mutual Insurance Company 3,550 4,799 6,407

Derby, KS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$7,300
Yearly Derby Homeowner Insurance Premium Example $2,700$1,700
Out of Pocket Expense During Claim$1,300$7,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $20,200$19,200
Net Savings to Derby Home Owner from High Deductible Plan $1,000

Derby, KS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Derby, KS Home Replacement Value MORE than Home Value Derby, KS Home Replacement Value LESS than Home Value
Replacement Value $41,000 $29,500
Insurance Premium based on Replacement Value $450 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $6,000 Risk Exposure from Under Insuring Coverage is $5,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $50/year

Example Derby Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateTravelersNationwide Insurance
Monthly Premium 150184239
Year Built 201119952006
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$150000-$175000$300000-$350000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 125,000 Tile Roof 1,370 3 $500 Deductible 550 5 Stone Siding yes
1999 145,000 Slate Shingles Roof 1,850 3 $2500-$5000 Deductible 340 3 Vinyl siding yes
1968 135,000 Shingles Roof 1,520 3 $500 Deductible 740 7 Stone Siding No
1966 200,000 Metal Roof 2,620 4 $500 Deductible 490 2 Brick siding No
1999 320,000 Slate Shingles Roof 3,070 4 $500- $1000 Deductible 2980 8 Wood siding yes
1997 235,000 Metal Roof 2,250 3 $500- $1000 Deductible 1830 9 Fiber-Cement Siding yes
2011 300,000 Asphalt Shingles Roof 3,020 5 $500 Deductible 1990 9 Vinyl siding No
2008 145,000 Slate Shingles Roof 1,790 4 $500- $1000 Deductible 1010 8 Stone Siding yes
1983 140,000 Wood Shake Roof 1,960 5 $2500-$5000 Deductible 680 6 Stucco siding yes
1963 175,000 Asphalt Shingles Roof 2,170 4 $2500-$5000 Deductible 2010 10 Wood siding yes
2014 155,000 Composition Roof 2,010 3 $2500-$5000 Deductible 110 1 Vinyl siding yes
2000 220,000 Membrane Roof 2,070 3 $1000-$2500 Deductible 2340 9 Fiber-Cement Siding No
1960 140,000 Composition Roof 1,340 3 $500 Deductible 630 5 Stucco siding No
2011 190,000 Shingles Roof 1,990 3 $5000 to $10,000 Deductible 1090 8 Wood siding yes
1980 190,000 Tile Roof 1,990 4 $5000 to $10,000 Deductible 640 5 Brick siding No
1996 265,000 Wood Shake Roof 3,140 5 $500 Deductible 1360 5 Wood siding yes
1960 475,000 Composition Roof 4,910 5 $1000-$2500 Deductible 400 1 Fiber-Cement Siding No
2013 250,000 Tile Roof 3,330 4 $500- $1000 Deductible 2290 8 Wood siding No
2013 255,000 Slate Shingles Roof 3,360 5 $5000 to $10,000 Deductible 940 8 Stone Siding yes
2012 415,000 Membrane Roof 4,120 5 $5000 to $10,000 Deductible 890 3 Wood siding yes
1983 200,000 Metal Roof 2,150 3 $2500-$5000 Deductible 870 8 Stone Siding yes
2000 225,000 Slate Shingles Roof 2,560 4 $500- $1000 Deductible 3070 12 Fiber-Cement Siding No