Lawrence Insurance Rates:

Lawrence, KS homeowners insurance is approximately $879 to $1,196, about $73-$99/month. Our detailed analysis shows customers can save as much as $414 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
The policies provided are affordable and also sufficient for customers. very large sacrifices are not necessary for adequate protection with this company.
Shelter Insurance
The receptionist seems to know more about the claim process than our actual agent. it's pretty disappointing that our insurance agent is just a salesman.
Statefarm
Outreach- they worked with government teachers at our school to ensure we had the right knowledgeable people and helped in explaining about different options.

Lawrence, KS Homeowners Insurance By Home Value

Lawrence, KS Home Value Total Homes % of Total Average Lawrence, KS Homeowners Insurance
Less than $50,000 915 6.0% $145
$70,000 to $79,999 207 1.0% $435
$90,000 to $99,999 286 1.0% $549
$100,000 to $124,999 1,339 9.0% $642
$125,000 to $149,999 2,092 14.0% $798
$150,000 to $174,999 2,606 17.0% $954
$175,000 to $199,999 1,881 12.0% $1099
$200,000 to $249,999 2,320 15.0% $1316
$250,000 to $299,999 1,212 8.0% $1617
$300,000 to $399,999 1,489 10.0% $2053

Top Home Insurance Agents Near Lawrence, KS

Home Insurance Company Near Lawrence, KS Homeowners Insurance Agency Near Lawrence, KS Address
Travelers Absolute Ins Group Inc 14106 W 135TH, OLATHE, KS, 66062
State Farm Christin Black 11128 S Lone Elm Rd, Olathe, KS, 66061-9434
Farmers Joshua Hill 16 S Broadway St # 16a, Louisburg, KS, 66053
Travelers Kansas City Mortgage & Insurance Agency 4741 CENTRAL 561, KANSAS CITY, MO, 64112
Liberty Mutual Independent Willis Of Greater Kansas Inc 12980 METCALF AVE STE 500, OVERLAND PARK, KS, 66213

Cost Of Homeowners Insurance By Street Near Lawrence, KS

Streets in Lawrence Area Homeowners Insurance Cost
Oregon St, Tomahawk Dr, E 475th Rd, N Wrigley Ln, Westfield Ct, Drum Ct, W Perimeter Rd, Merion Cir, Brandon Woods Pl, Homestead Dr$1,168
Merion Pl, Bond Pl, E 1587 Rd, Pleasant St, Apple Ln, Hill Ct, Co Rd 458, N 1818 Rd, Walden Ct, E1382$1,057
N 1900 Rd, Constant Rd, W 20th St, April Rain Dr, Dover Ct, Pamela Ln, E 11th St, Co Rd 1e, N 1031 Rd, Congressional Cir$1,136
Winston Ct, E 660th Rd, W 24th St, Adam Ave, E 600 Rd, Shadybrook Dr, E 767th Rd, Co Rd 458, Alvamar Pl, Larkspur Ct$1,091
Venice Dr, Hartford Ave, Hogan Ct, Holiday Dr, Blackjack Oak Ct, N 1884th Rd, N 1474 Rd, Hickok Ct, E 1450 Rd, Brook St$1,158
Home Cir, E 1292nd Rd, N 1183rd Rd, Connecticut St, Sunset Ter, N 550 Rd, N 1964 Rd, N 937 Rd, Sagebrush Dr, Applegate Ct$1,087
Douglas Dr, Stonegate Ct, E 775 Rd, Oklahoma St, Belle Haven Dr, E 175th Rd, N 2000th Rd, E 17th St, N 482 Rd, Mark Blair Ct$1,088
Utah Ct, Wedgewood Dr, River Rd, Lynn St, Palmer Ct, N 1100 Rd, N 1600 Rd, E 13th St, Chadwick Ct, Pinnacle Cir$1,001
Research Park Dr, Lake Pointe Dr, Cedarwood Ave, Rebecca Ln, N 1928th Rd, E 50th Rd, Crestline Dr, Ridge Ct, E 732 Rd, N 1062nd Rd$1,023
Lasalle St, Winona Ave, N 1150 Rd, E 8th St, Bluestem Pl, Keystone Ct, Countryside Ln, Bristol Ter, Eaton Dr, Somerset Ct$998

Lawrence, KS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lawrence$155 to $158
Wakarusa$160
Douglas County$155
Rural$158

Lawrence, 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
Wakarusa township, Douglas County, Kansas $134 $179 $268
Douglas County, Kansas $130 $173 $259
Kanwaka township, Douglas County, Kansas $134 $178 $267

Lawrence, 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
Lawrence, KS5.9%16.5%
Wakarusa5.44%19.25%
Douglas County5.8%16.91%
Kanwaka5.78%14.44%

Lawrence Renters Insurance as a Percentage of Rent

Lawrence Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 270 1.0% $779
$300 to $499 1,409 7.0% $1229
$500 to $749 5,699 31.0% $1904
$750 to $999 4,861 26.0% $2654
$1,000 to $1,499 4,595 25.0% $3779
$1,500 or more 1,264 6.0% $5429

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

Coverage ($) Company Average homeowners insurance premium ($)
Fire protection class 1-8 Fire protection class 9 Fire protection class 10
100,000 Armed Forces Insurance Exchange 2,445 2,888 2,922
100,000 Homesite Indemnity Company 1,260 1,714 2,037
100,000 Mutualaid Exchange 642 830 907
100,000 Travelers Property Casualty Insurance Company 1,179 1,886 2,392
200,000 Auto Club Family Insurance Company 5,928 9,065 12,063
200,000 Mutualaid Exchange 1,122 1,450 1,585
200,000 Usaa Casualty Insurance Company 3,354 3,478 3,478
300,000 Marysville Mutual Insurance Company 2,795 3,413 4,192
300,000 Safeco Insurance Company Of America 2,748 5,138 6,046
300,000 Usaa General Indemnity Company 4,605 4,742 4,742

Lawrence, KS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$8,500
Yearly Lawrence Homeowner Insurance Premium Example $4,300$2,700
Out of Pocket Expense During Claim$500$8,500
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $26,300$24,700
Net Savings to Lawrence Home Owner from High Deductible Plan $1,600

Lawrence, KS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lawrence, KS Home Replacement Value MORE than Home Value Lawrence, KS Home Replacement Value LESS than Home Value
Replacement Value $202,000 $123,500
Insurance Premium based on Replacement Value $3,150 $1,925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $550/year Insurance costlier by $675/year

Example Lawrence Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceGEICO Insurance
Monthly Premium 169168238
Year Built 194120131997
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $250000-$300000$150000-$175000$200000-$250000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2004 185,000 Wood Shake Roof 1,790 4 $500 Deductible 2320 9 Wood siding No
1982 270,000 Shingles Roof 2,480 5 > $10,000 Deductible 600 5 Vinyl siding No
2012 255,000 Shingles Roof 2,950 4 $500- $1000 Deductible 500 2 Vinyl siding yes
1984 90,000 Shingles Roof 1,050 2 $500 Deductible 310 3 Fiber-Cement Siding No
1947 310,000 Metal Roof 3,570 5 > $10,000 Deductible 130 1 Stone Siding No
1990 135,000 Tile Roof 1,550 2 $1000-$2500 Deductible 810 7 Stucco siding No
2014 90,000 Membrane Roof 930 2 $1000-$2500 Deductible 80 1 Wood siding No
2008 140,000 Composition Roof 1,210 2 $1000-$2500 Deductible 1310 10 Vinyl siding No
2010 170,000 Wood Shake Roof 1,500 2 $5000 to $10,000 Deductible 900 7 Wood siding yes
2011 135,000 Tile Roof 1,300 3 $2500-$5000 Deductible 250 2 Stucco siding No
2005 225,000 Metal Roof 1,920 4 $5000 to $10,000 Deductible 1660 10 Vinyl siding No
2010 105,000 Tile Roof 1,240 3 $2500-$5000 Deductible 80 1 Brick siding yes