Shawnee County, KS Home Insurance - Analysis On Quotes, Rates & Agents
Shawnee County Insurance Rates:
Shawnee County, KS homeowners insurance is nearly $846 to $1,147, about $70-$95/month. Our detailed guide shows customers can save as much as $398 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Find the Cheapest Homeowners Insurance in Shawnee County, KS
Home insurance, also commonly called hazard insurance or homeowner’s insurance, is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, including losses occurring to one’s home, its contents, loss of use, or the additional cost of living elsewhere due to damage to the home. Home insurance also provides personal liability coverage and sometimes coverage for medical payments. Home insurance is vital for all Shawnee County homeowners. The cost of replacing a home and its contents can be very expensive, and without insurance, many people would not be able to afford it. Home insurance also provides peace of mind in knowing that you will be covered if something happens to your home.
The average cost of homeowners insurance in Shawnee County, KS, is $1309. The premiums you pay for home insurance in Shawnee County, Kansas, are based on various variables. These include age, location, deductible, history of claims, kind of materials, and other home characteristics. Insurance companies also consider particular characteristics, such as a trampoline or swimming pool on the property and prospective safety features to protect your home. Following a thorough investigation of the variables affecting the price of home insurance by VHome, here are three suggestions for locating affordable homeowners insurance in Shawnee County, Kansas.
Choose a Higher Deductible
A deductible is the amount of money you will need to pay out-of-pocket before your insurance company starts to pay a claim. Most people in Shawnee County, KS, choose to have a home insurance policy with a low deductible in order to protect their investment. However, this could be costing you more money in the long run. A higher deductible policy could save you money on your premium while providing the coverage you need. For instance, homeowners who select a $500 and $1500 deductible in Shawnee County, Kansas, pay $1293.29 and $1101.39 for homeowners insurance. But when their deductibles are $2000 and $2500, homeowners pay $999.81 and $939.86, respectively. As a result, the higher the deductible, the lower the homeowner's insurance rates in Shawnee County, KS.
Install Security Features
The level of risk your property presents to the insurance provider is one of the most crucial elements in calculating your home insurance premiums. The rates rise as the danger increases. So it makes sense that if you can lower the risk that your property presents, you can also lower your rates. Security features play a role in this. One of the best ways to lower home insurance prices in Shawnee County, Kansas, is to install security features. Security features can lower your premiums significantly since they deter intruders and safeguard your house from fire and other disasters. For instance, in Shawnee County, Kansas, residences with deadbolts and fire extinguishers pay $1151.92 and $1178.1, respectively, for home insurance.
Maintain Zero Claims History
A claim-free past is one of the most important elements affecting the price of home insurance in Shawnee County, Kansas. You can effectively convey to insurers that you are a low-risk customer and that they can anticipate fewer claims from you in the future by keeping a zero-claims history. As a result, insurers can give you a house insurance policy at a lesser cost. For instance, in Shawnee County, Kansas, homeowners who have never filed a claim must pay a premium of $1125.74. In contrast, in Shawnee County, Kansas, homeowners must pay $1426.81 and $1466.08 for homeowners insurance when they have one or two claims.
Shawnee County, KS Homeowners Insurance By Home Value
| Shawnee County, KS Home Value | Total Homes | % of Total | Average Shawnee County, KS Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 5,340 | 11.0% | $199 |
| $50,000 to $59,999 | 1,952 | 4.0% | $428 |
| $60,000 to $69,999 | 2,730 | 5.0% | $537 |
| $70,000 to $79,999 | 2,919 | 6.0% | $617 |
| $80,000 to $89,999 | 3,201 | 6.0% | $707 |
| $90,000 to $99,999 | 2,759 | 5.0% | $786 |
| $100,000 to $124,999 | 6,356 | 13.0% | $916 |
| $125,000 to $149,999 | 5,746 | 12.0% | $1145 |
| $150,000 to $174,999 | 5,006 | 10.0% | $1354 |
| $175,000 to $199,999 | 3,118 | 6.0% | $1563 |
| $200,000 to $249,999 | 3,500 | 7.0% | $1872 |
| $250,000 to $299,999 | 2,267 | 4.0% | $2290 |
| $300,000 to $399,999 | 1,466 | 3.0% | $2918 |
Top Home Insurance Agents Near Shawnee County, KS
| Home Insurance Company Near Shawnee County, KS | Homeowners Insurance Agency Near Shawnee County, KS | Address |
|---|---|---|
| NA | Taylor Insurance Services, Llc | 8998 Us 59 Hwy , Oskaloosa, KS, 66066 |
| NA | Community Insurance Service Inc. | 309 Maple, Overbrook, KS, 66524 |
| State Farm | Bob Carlson | 2400 Iowa Street, Lawrence, KS, 66046-4039 |
| Travelers | Charlson Wilson Insurance Agency | 555 Poyntz, Suite 205, Manhattan, KS, 66502 |
| Travelers | Willis Of Greater Kansas Inc | 2613 W 21ST ST UNIVERSITY VILLAGE, TOPEKA, KS, 66604 |
Shawnee County, KS Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Shawnee County, KS
| Streets in Shawnee County Area | Homeowners Insurance Cost |
|---|---|
| SW Broadview Dr, SW 31st Ct, 22nd Ter, NE Calhoun Bluff Rd, NW Clay St, Princeton St, SE Pawnee Dr, Eagle St, SW Scenic Dr, SW Mission View Dr | $1,004 |
| SW Grand Ct, SW Polk St, SW Quinton Ave, SW James St, NW 86th St, 30th Ter, SW Morningside Rd, SW 69th St, Lakeshore Blvd, NE Croco Rd | $999 |
| SE 5th St, NW Oakley Ave, SE Aquarius Dr, NW Rossville Rd, SW Pinebrook Ln, SW Auburn Rd, NW Independence Ave, SW Hidden Valley Dr, NW 58th St, NW Harrison St | $1,035 |
| SW Blue Stem Dr, SE Pueblo Pl, NW 48th Ter, Franklin St, SW 40th Ter, NW 94th St, SE 4th Ter, SW Quail Run Ct, SW Amhurst Rd, SW Bingham Rd | $1,027 |
| SE 17th St, Stanford Cir, SE Shawnee Ct, SE 3rd Ter, SE Mulberry St, NE Oakland Ave, SW 65th Ter, SW Asbury Dr, SE Powell Ct, SE 11th St | $1,011 |
| Harvard Ln, SW Harrison St, SE Lafayette St, SE Hancock St, NW Landon Rd, N Princeton St, NW Hunters Ridge Ter, NW Forbes Rd, SE Howard Dr, SW 21st Ter | $1,009 |
| SW Westview Rd, SW 18th Ter, SE Burr St, NW 39th St, NE 46th St, SW Damon Ct, SE Cottonwood St, US Hwy 75, SW Meadowdale Dr, SW Arborhaven Ln | $1,020 |
| SW Deer Trail Ct, NW The Drive, SW Aylesbury Ct, SW Woodhull St, SW Brooklyn Ave, NE 64th St, SW Lilly Cir, SE Lake Dr, NE Winfield Ave, NW 78th St | $1,007 |
| NW Western Ave, NW 58th St, SW Regency Parkway Dr, SW Roosevelt St, NW Waddell St, SW Navajo Ln, SW Thornwood Ct, NW Furman Rd, SE Holiday St, SE 44 Ter | $951 |
| NE Wilson Ave, SW Dancaster Rd, SW Dukeries Rd, Shawnee St, NW Greenwood Ct, SW Arrowhead Rd, NW 94th St, NW Holman St, SW 109th St, SE Herschell Rd | $1,016 |
Shawnee County, KS Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Shawnee County | $149 to $151 |
| Topeka | $147 |
| Menoken | $153 |
| Williamsport | $145 |
Shawnee County, 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 |
|---|---|---|---|
| Topeka city, Kansas | $123 | $163 | $245 |
| Menoken township, Shawnee County, Kansas | $128 | $171 | $256 |
| Silver Lake township, Shawnee County, Kansas | $128 | $170 | $255 |
Shawnee County, KS Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Shawnee County, KS | 6.9% | 18.5% |
| Topeka | 7.51% | 19.4% |
| Menoken | 5.09% | 21.9% |
| Silver Lake | 6.13% | 18.26% |
Shawnee County Renters Insurance as a Percentage of Rent
| Shawnee County Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 382 | 1.0% | $346 |
| $200 to $299 | 1,037 | 4.0% | $796 |
| $300 to $499 | 3,454 | 14.0% | $1246 |
| $500 to $749 | 9,139 | 37.0% | $1921 |
| $750 to $999 | 6,357 | 25.0% | $2671 |
| $1,000 to $1,499 | 3,222 | 13.0% | $3796 |
| $1,500 or more | 871 | 3.0% | $5446 |
Average Cost Of Home Insurance By Company In Areas Nearby Shawnee County For Different Scenarios
| Coverage ($) | 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 | 2,036 | 2,210 | 2,210 |
| 100,000 | Homesite Indemnity Company | 1,013 | 1,445 | 1,752 |
| 100,000 | Shelter Mutual Insurance Company | 930 | 1,250 | 1,666 |
| 200,000 | Auto Club Family Insurance Company | 4,359 | 6,664 | 8,870 |
| 200,000 | Csaa Fire And Casualty Insurance Company | 1,461 | 2,110 | 2,400 |
| 300,000 | American Family Mutual Insurance Company | 2,587 | 3,621 | 4,028 |
| 300,000 | Bremen Farmers Mutual Insurance Company | 2,039 | 2,687 | 3,166 |
| 300,000 | Marysville Mutual Insurance Company | 2,310 | 2,821 | 3,467 |
| 300,000 | Usaa General Indemnity Company | 2,905 | 3,088 | 3,088 |
| 300,000 | United Services Automobile Association | 2,516 | 2,695 | 2,695 |
Latest Home Insurance Reviews by Location
Topeka, KS
Farm BureauThe customer service is very friendly about most things and the coverage is pretty good for the issues that might occur in this area.