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.
| Home Insurance Company Near Lawrence, KS | Homeowners Insurance Agency Near Lawrence, KS | Address |
|---|---|---|
| Liberty Mutual Independent | Willis Of Greater Kansas Inc | 12980 METCALF AVE STE 500, OVERLAND PARK, KS, 66213 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Lawrence, KS | 5.9% | 16.5% |
| Wakarusa | 5.44% | 19.25% |
| Douglas County | 5.8% | 16.91% |
| Kanwaka | 5.78% | 14.44% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lawrence | $155 to $158 |
| Wakarusa | $160 |
| Douglas County | $155 |
| Rural | $158 |
| Coverage ($) | 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 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $3,700 |
| Yearly Lawrence Homeowner Insurance Premium Example | $4,000 | $3,400 |
| Out of Pocket Expense During Claim | $700 | $3,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $28,700 | $27,500 |
| Net Savings to Lawrence Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Lawrence, KS Home Replacement Value MORE than Home Value | Lawrence, KS Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $200,500 | $150,000 |
| Insurance Premium based on Replacement Value | $2,175 | $1,625 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $24,500 | Risk Exposure from Under Insuring Coverage is $26,000 |
| Premium Impact | Insurance cheaper by $275/year | Insurance costlier by $275/year |
| Insurance Company | Farmers Insurance | Nationwide Insurance | Allstate |
| Monthly Premium | 144 | 169 | 193 |
| Year Built | 2008 | 1944 | 1988 |
| Home Details | 5 Beds, 1 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $150000-$175000 | $150000-$175000 | $175000-$200000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | $1000-$2500 Deductible |