Manhattan Insurance Rates:

Manhattan, KS homeowners insurance is nearly $877 to $1,193, about $73-$99/month. Our comprehensive analysis reveals consumers can save upto $414 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ways to Save on Homeowners Insurance Cost in Manhattan, KS

In Manhattan, KS homeowners pay an average home insurance rate of $1569. Homeowners in Manhattan can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.

Home Insurance Discounts Based on Deductibles


A newly constructed Manhattan home can enjoy $424 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Manhattan homes older than 40 and 50 years receive an additional charge of $41 and $60, respectively, on home insurance.

Homeowners in Manhattan pay a small additional amount of $31 on their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Manhattan homeowners paying a high deductible of $2,500 can avail of a discount of $442.46 on homeowners insurance. Homeowners receive discounts of $370.6 and $248.84, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Manhattan who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners pay an additional amount on their premiums in Manhattan of $658.98 or $251.04 respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Manhattan, KS Homeowners Insurance By Home Value

Manhattan, KS Home Value Total Homes % of Total Average Manhattan, KS Homeowners Insurance
Less than $50,000 977 12.0% $144
$60,000 to $69,999 98 1.0% $382
$80,000 to $89,999 88 1.0% $507
$90,000 to $99,999 102 1.0% $558
$100,000 to $124,999 498 6.0% $652
$125,000 to $149,999 1,109 14.0% $817
$150,000 to $174,999 1,083 14.0% $962
$175,000 to $199,999 870 11.0% $1117
$200,000 to $249,999 1,467 19.0% $1345
$250,000 to $299,999 674 8.0% $1645
$300,000 to $399,999 480 6.0% $2090

Top Home Insurance Agents Near Manhattan, KS

Home Insurance Company Near Manhattan, KS Homeowners Insurance Agency Near Manhattan, KS Address
NA Capital Insurance Group, Llc 5942 Sw 29Th St Ste C, Topeka, KS, 66614
NA Johnson Insurance Agency 901 Chestnut, Frankfort, KS, 66427
Travelers Adkins Insurance Agency Inc 207 U.S. HWY 75, HOLTON, KS, 66436
State Farm Ladonna Junghans 610 N Eisenhower, Junction City, KS, 66441-3269
State Farm Rick Tramp 3625 SW 29th St Ste 204, Topeka, KS, 66614-2061

Manhattan, KS Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Manhattan, KS

Streets in Manhattan Area Homeowners Insurance Cost
Village Cir, Greenbriar Dr, Quivera Dr, N Juliette Ave, Maple Ct, College Heights Rd, Edgerton Ave, Fair Ln, Tamarak Dr, Kerr Dr$1,081
N 18th St, Rockhill Rd, Park Dr, Keen St, Fordham Rd, Knoxberry Dr, Lawrence Rd, Pine Dr, Lundin Dr, Alabama Ln$1,010
Davis Dr, Churchill Way, S 9th St, Gary Ave, Haventon Dr, S 4th St, Brookhollow Ct, Leavenworth St, Cody Pl, Terry Way$1,033
S Delaware Ave, Co Hwy 412, Sumac Dr, St James Cir, Legore Ln, N 6th St, Highland Dr, Midland Ave, Ridgewood Dr, Strawberry Cir$1,026
Concord Cir, Smith St, Northfield Rd, James Ave, Fairview Ave, Trevelyan Ave, Skyvue Ln, Kientz Dr, Newfoundland Dr, Blueberry Dr$1,008

Manhattan, KS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Manhattan$154 to $157

Manhattan, 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
Ogden township, Riley County, Kansas $124 $165 $248
Wildcat township, Riley County, Kansas $136 $181 $271
Blue township, Pottawatomie County, Kansas $131 $174 $261

Manhattan, 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
Manhattan, KS6.3%17.6%

Manhattan Renters Insurance as a Percentage of Rent

Manhattan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 168 1.0% $780
$300 to $499 1,152 9.0% $1230
$500 to $749 3,634 30.0% $1905
$750 to $999 3,300 27.0% $2655
$1,000 to $1,499 2,522 20.0% $3780
$1,500 or more 1,142 9.0% $5430

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

Coverage ($) Company Average homeowners insurance premium ($)
Fire protection class 1-8 Fire protection class 9 Fire protection class 10
100,000 Metropolitan Property & Casualty Insurance Company 1,321 1,880 2,268
100,000 Travelers Home And Marine Insurance Company (The) 1,184 2,032 2,670
100,000 Usaa General Indemnity Company 1,942 2,063 2,063
100,000 United Services Automobile Association 1,688 1,806 1,806
200,000 American Family Mutual Insurance Company 2,028 2,839 3,142
200,000 Marysville Mutual Insurance Company 1,396 1,706 2,094
200,000 Metropolitan Property & Casualty Insurance Company 2,041 3,036 3,787
300,000 Allstate Vehicle And Property Insurance Company 1,788 2,114 2,179
300,000 Mutualaid Exchange 1,650 2,123 2,322
300,000 Nationwide Affinity Insurance Company Of America 3,203 5,061 5,711

Manhattan, KS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Manhattan Homeowner Insurance Premium Example $2,600$1,600
Out of Pocket Expense During Claim$1,200$8,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $22,000$21,000
Net Savings to Manhattan Home Owner from High Deductible Plan $1,000

Manhattan, KS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Manhattan, KS Home Replacement Value MORE than Home Value Manhattan, KS Home Replacement Value LESS than Home Value
Replacement Value $266,000 $184,000
Insurance Premium based on Replacement Value $2,925 $2,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $44,500
Premium Impact Insurance cheaper by $500/year Insurance costlier by $400/year

Example Manhattan Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualNationwide Insurance
Monthly Premium 31911574
Year Built 200420131989
Home Details 5 Beds, 2 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$150000-$175000$75000-$100000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 310,000 Metal Roof 2,970 4 $500 Deductible 1260 3 Vinyl siding No
1945 195,000 Slate Shingles Roof 2,280 4 $500 Deductible 1970 7 Fiber-Cement Siding No
1993 205,000 Tile Roof 2,400 4 > $10,000 Deductible 1380 12 Stone Siding yes
1948 175,000 Shingles Roof 2,150 4 $5000 to $10,000 Deductible 1160 10 Fiber-Cement Siding yes
1984 155,000 Tile Roof 1,390 3 $500- $1000 Deductible 1490 9 Wood siding No
2003 180,000 Metal Roof 1,680 2 $500- $1000 Deductible 780 4 Wood siding yes
2010 330,000 Slate Shingles Roof 3,130 4 > $10,000 Deductible 820 3 Brick siding yes
1949 240,000 Shingles Roof 2,760 5 $500- $1000 Deductible 1100 5 Vinyl siding No
2011 110,000 Asphalt Shingles Roof 1,170 2 $1000-$2500 Deductible 640 6 Brick siding yes
1991 320,000 Composition Roof 2,820 4 $500 Deductible 290 1 Fiber-Cement Siding yes
1964 265,000 Slate Shingles Roof 3,270 5 $500 Deductible 1580 6 Stucco siding No
2004 260,000 Metal Roof 2,570 4 $1000-$2500 Deductible 980 3 Fiber-Cement Siding yes
1943 115,000 Membrane Roof 1,010 2 $2500-$5000 Deductible 70 1 Stucco siding yes
1960 115,000 Shingles Roof 1,380 2 $2500-$5000 Deductible 870 8 Wood siding yes
1946 225,000 Shingles Roof 2,510 4 $5000 to $10,000 Deductible 810 6 Wood siding yes
1962 215,000 Shingles Roof 2,050 4 > $10,000 Deductible 660 6 Stucco siding No
1964 255,000 Metal Roof 2,210 5 $5000 to $10,000 Deductible 1190 7 Stucco siding No
2002 310,000 Wood Shake Roof 3,110 4 $2500-$5000 Deductible 2420 8 Brick siding No
1940 375,000 Asphalt Shingles Roof 3,860 5 $1000-$2500 Deductible 1730 4 Wood siding yes
2006 120,000 Slate Shingles Roof 1,080 2 $1000-$2500 Deductible 510 5 Fiber-Cement Siding yes
1960 330,000 Asphalt Shingles Roof 3,100 4 $500- $1000 Deductible 3330 9 Wood siding yes
1968 205,000 Shingles Roof 1,900 3 $500- $1000 Deductible 1790 9 Brick siding No
1964 420,000 Tile Roof 4,640 5 > $10,000 Deductible 1130 5 Fiber-Cement Siding No
2014 190,000 Membrane Roof 1,570 3 $500- $1000 Deductible 1410 8 Vinyl siding No
2002 225,000 Asphalt Shingles Roof 1,980 4 $1000-$2500 Deductible 870 5 Brick siding No
1990 405,000 Metal Roof 4,310 5 $500- $1000 Deductible 3640 10 Stone Siding No
1948 170,000 Tile Roof 1,550 3 $500- $1000 Deductible 1050 4 Stucco siding No
2006 165,000 Metal Roof 1,520 2 $500- $1000 Deductible 550 3 Stone Siding No
1961 115,000 Asphalt Shingles Roof 1,240 2 $500 Deductible 280 3 Wood siding No
1962 175,000 Slate Shingles Roof 1,590 3 $500 Deductible 1600 7 Wood siding yes
2014 140,000 Slate Shingles Roof 1,250 3 $2500-$5000 Deductible 400 4 Wood siding yes
1960 280,000 Wood Shake Roof 3,390 4 $5000 to $10,000 Deductible 1170 7 Stone Siding yes
1960 200,000 Metal Roof 2,060 3 $500 Deductible 1660 10 Stucco siding No

Latest Home Insurance Reviews

American Family
American family has done a good job at keeping my premiums low, while keeping my deductible at a reasonable level. Helps that within the 10 plus years with them I've only had one claim.
Farmer's Insurance
Thankfully we haven't really had to deal with the customer service for the insurance as we haven't had to file a claim. I would have to put it at a 3 as we haven't really had a good or bad experience with them.
State Farm
I am not really sure how to compare my home insurance company with other companies because I have not researched comparable rates. I am happy with my current insurance company so I haven't looked at others.
My current homeowner insurance is Progressive. I highly recommend them and will rate them 4.5 out of 5. I recommend them because the price is reasonable and their customer service is excellent.
Farm Bureau
I'd recommend Farm Bureau because the office and agents are local people and there are discounts for having home and auto insurance. I also get other discounts with my Farm Bureau membership.
I think the service might be a little more expensive than some other insurance plans, but the customer service is so good that I choose to stay with them.
I would recommend AAA as an insurance company.The offerings for home insurance as well as all the other coverage types are fine and combined with regular AAA traveler assistance they make an attractive package.
State Farm
I haven't really had a lot of experience with other home insurance companies, as this is my first one. I have heard good things about other companies from friends, but I would say mine is the best!
State Farm
My rating would be a 5. I have always been pleased with State Farm and the support they have offered me. Not only do I have a rep who is always helpful.
Liberty Mutual
I have never had to deal with their customer service. I have never had to file a claim with them.
Farm Bureau
From what I have heard from friends- our deductibles are much lower than other insurance companies.
I think that our home insurance company offers many of the same things that competitors due, though it gets to be frustrating when the pay rates increase.
American Family Insurance
They offer coverage on weather damages and stolen or damaged property Home security
The premium from AAA is on the higher side compared to competitors.I do get multi policy discounts that help.I am not very satisfied with the premium.
American Family Insurance
I like to use my company because I bundle all my insurance with them. They are very kind and offer good deals if you bundle it all.
This insurance company is giving in more then offers in every 6 months
I feel like that's the exact same question as the other one. There's not really much else to be offered except for the premium. That's kind of how they operate. So just take what I wrote last and basically take that as my experience.
After i compared several insurance companies they were they cheapest and most economical
Liberty Mutual
Although i like liberty mutual, overall, i think it might be nice to have a smaller, more personal company with an agent that really knows me.
State Farm
One thing i like about state farm is that they are local. if i have any issues i can walk right into his office to discuss it.
State Farm
This is primarily with claims, but they seem to be very proactive and helpful from the initial claim throughout the resolution.
State Farm
I have not searched for other companies as I have all of my insurance through state farm - and the ease of having everything at one company helps
Not good rates for new home owners or people with credit issues. Adjustable rates. Terrible customer service over phone conversations.
American Family Insurance
They are very competitive. They know what they are doing and strive to do it with excellence. I give them a 4 on this.
State Farm
Pretty good, my insurance agent is always trying to find me the best deals for insurance, even though it's ungodly expensive in Michigan.

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