Topeka Insurance Rates:

Topeka, KS homeowners insurance is approximately $832 to $1,127, about $69-$93/month. Our thorough guide shows customers can save upto $392 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
It is not considered the best insurance. it has a bad reputation. they are hard to their customers. they make things hard for me.
Farmer's Insurance
Genuine interaction, and being personable with customers is always a plus when doing business with a company.
Aaa
The rates seem to go up every year, even when the real estate market is stagnant. and they don't include earthquake coverage as a standard in the policy. it's extra, and the coverage has a really high deductible.
Allstate
My favorite part about Allstate is that they combine their auto and home insurance policies, which makes managing the policies easy.
Farm Bureau
One of the things i do not like about my insurance company is the limited amount of things that are covered.

Topeka, KS Homeowners Insurance By Home Value

Topeka, KS Home Value Total Homes % of Total Average Topeka, KS Homeowners Insurance
Less than $50,000 4,720 15.0% $254
$50,000 to $59,999 1,796 5.0% $529
$60,000 to $69,999 2,360 7.0% $656
$70,000 to $79,999 2,479 8.0% $764
$80,000 to $89,999 2,782 9.0% $862
$90,000 to $99,999 2,329 7.0% $960
$100,000 to $124,999 4,528 14.0% $1117
$125,000 to $149,999 3,259 10.0% $1401
$150,000 to $174,999 2,207 7.0% $1656
$175,000 to $199,999 1,285 4.0% $1911
$200,000 to $249,999 1,532 5.0% $2293
$250,000 to $299,999 849 2.0% $2802
$300,000 to $399,999 455 1.0% $3567

Top Home Insurance Agents Near Topeka, KS

Home Insurance Company Near Topeka, KS Homeowners Insurance Agency Near Topeka, KS Address
Allstate Brian Green 5967 SW 29th St Ste 220b, Topeka, KS, 66614
Farmers Dwight Calhoun 1200 S Kansas Ave, Topeka, KS, 66612
Farmers Jay Davis 5942 SW 29th St Ste A, Topeka, KS, 66614
State Farm Jim Garrison 6750 SW 29th St, Topeka, KS, 66614-5648
State Farm Ryan Mohwinkle 5855 SW 29th St, Topeka, KS, 66614-2463

Cost Of Homeowners Insurance By Street Near Topeka, KS

Streets in Topeka Area Homeowners Insurance Cost
SW Windsor Ct, SE Kouns St, Masche St, NW Taylor St, SE Rice Rd, NW 43rd Ter, Gemini St, SW Meadowdale Dr, SW Muirfield Ct, SW Cheyenne Hills Rd$960
SE Scorpio Dr, SW Watson Ct, SE Ashley Dr, SW Valley Glen Rd, NW Anne Rd, SW Mission Ct, SW Brook Lawn Ter, SW Cannock Chase Rd, SW Brook Lawn Dr, NE Kaw Rd$1,021
SW Sunset Rd, NW Thomas Rd, SW Woodbury Ln, SW Deer Trail Ct, SE Liberty St, SW York Way, SE Colfax Pl, SW Clarion Pl, SW James St, SE Woodring Rd$981
SE Yale Ave, SE Branner St, SE Mulberry St, SW Kendall Ave, SE 17th St, SW Medford Ave, SE Branner St, NE Sherman Rd, SW 15th Ter, NE Oakland Ave$940
SE 32nd Ter, NE Forest Dr, SW Red Oaks Ct, NW Brittany North Cir, SW Lincolnshire Cir, SW 40th St, SE Republican Ave, NW Broad St, SW Woodward Ave, Chilson Rd$956
NW Pleasant Hill Ln, SW Quinton Ave, SW 44th St, SW Clearview Cir, 94th Rd, SW Cedar Crest Rd, NE Kaw Valley Rd, SE 44th Ter, NE Strait Ave, SW Burch Rd$1,024
Berkley Rd, SW Briarwood Ln, SW Lagito Ct, Mills Dr, SE Starlite Dr, SW Ashworth St, NW Elm Row Ave, SW Durow Rd, NE Quincy St, SW Glengate Ln$1,010
NW Furman Rd, SW 24th Ter, NE Laurent St, Pine St, SE Pinecrest Cir, SW Celtic St, Wilder Rd, SW Morna Dr, SE 59th St, SE Skylark Ct$967
SE Powell Ave, NE Sardou Ave, SW Timberlake Ln, SE 24th Pl, SW 22nd Ter, NW Seaman St, Rutgers Ave, SW Woodvalley Pl, SW University Blvd, SE Elm St$1,006
SE Tomahawk Ct, SE Stubbs Rd, SW Park South Ct, SW West Trail Rd, SE Walnut Dr, SE Granger St, NW Union Ct, SW Hillsdale St, SE 46th St, SE 14th St$1,022

Topeka, KS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Topeka$146 to $149
Shawnee County$149
Tecumseh$153
Williamsport$145

Topeka, 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
Shawnee County, Kansas $125 $166 $249
Tecumseh township, Shawnee County, Kansas $128 $170 $255
Grantville CDP, Kansas $125 $166 $249

Topeka, 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
Topeka, KS7.5%19.4%
Shawnee County6.91%18.49%
Tecumseh5.82%18.49%
Menoken5.09%21.9%

Topeka Renters Insurance as a Percentage of Rent

Topeka Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 364 1.0% $352
$200 to $299 1,004 4.0% $802
$300 to $499 3,346 14.0% $1252
$500 to $749 8,816 39.0% $1927
$750 to $999 5,568 24.0% $2677
$1,000 to $1,499 2,588 11.0% $3802
$1,500 or more 679 3.0% $5452

Topeka, KS Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66605 $98,000 $990
66604 $96,300 $990
66611 $95,200 $990
66606 $84,000 $980
66616 $70,600 $970
66608 $58,000 $960
66607 $53,800 $950
66612 $52,000 $950
66603 $48,000 $950
66610 $222,700 $1,110
66615 $169,000 $1,060
66618 $159,200 $1,050
66617 $149,400 $1,030
66614 $133,900 $1,030
66609 $114,100 $1,000

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

Coverage ($) Company Average homeowners insurance premium ($)
Fire protection class 1-8 Fire protection class 9 Fire protection class 10
100,000 Allstate Vehicle And Property Insurance Company 655 936 993
100,000 Armed Forces Insurance Exchange 1,674 2,055 2,094
100,000 Usaa Casualty Insurance Company 1,749 1,883 1,883
200,000 Liberty Insurance Corp 1,763 1,830 1,846
200,000 Marysville Mutual Insurance Company 1,590 1,943 2,385
200,000 Mutualaid Exchange 884 1,139 1,245
200,000 United Services Automobile Association 2,017 2,162 2,162
300,000 Auto Club Family Insurance Company 5,926 9,046 12,040
300,000 Mutualaid Exchange 1,281 1,649 1,802
300,000 Travelers Home And Marine Insurance Company (The) 2,508 3,908 4,958

Topeka, KS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$5,900
Yearly Topeka Homeowner Insurance Premium Example $3,800$3,000
Out of Pocket Expense During Claim$1,900$5,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $28,500$26,900
Net Savings to Topeka Home Owner from High Deductible Plan $1,600

Topeka, KS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Topeka, KS Home Replacement Value MORE than Home Value Topeka, KS Home Replacement Value LESS than Home Value
Replacement Value $167,000 $110,000
Insurance Premium based on Replacement Value $2,275 $1,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,500 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $500/year

Example Topeka Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 12910751
Year Built 194719681991
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$50000-$75000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1969 75,000 Composition Roof 1,010 2 $1000-$2500 Deductible 550 9 Brick siding No
1973 180,000 Tile Roof 2,770 4 $500- $1000 Deductible 1100 5 Vinyl siding yes
1999 150,000 Wood Shake Roof 2,100 5 $1000-$2500 Deductible 950 7 Stone Siding yes
1999 125,000 Composition Roof 1,660 5 $500- $1000 Deductible 340 2 Vinyl siding yes
1984 90,000 Asphalt Shingles Roof 1,390 2 $500 Deductible 290 3 Wood siding yes
1980 110,000 Slate Shingles Roof 1,530 3 $500 Deductible 890 8 Wood siding No
1995 140,000 Slate Shingles Roof 2,260 3 $2500-$5000 Deductible 1370 12 Vinyl siding No
1964 190,000 Shingles Roof 3,140 4 $5000 to $10,000 Deductible 1260 8 Stone Siding No
1990 80,000 Shingles Roof 1,030 2 $500- $1000 Deductible 150 2 Stone Siding No
1946 105,000 Membrane Roof 1,680 2 $2500-$5000 Deductible 300 3 Fiber-Cement Siding yes
1999 245,000 Slate Shingles Roof 3,040 4 $2500-$5000 Deductible 2020 8 Stone Siding yes
1996 100,000 Wood Shake Roof 1,790 2 $1000-$2500 Deductible 130 2 Stucco siding yes
1981 170,000 Membrane Roof 2,090 4 $2500-$5000 Deductible 1660 12 Vinyl siding yes
1936 50,000 Shingles Roof 700 1 $5000 to $10,000 Deductible 40 1 Brick siding yes