Topeka ,KS Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Topeka, KS homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Topeka, KS is $2271. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Topeka, KS. VHome Insurance will help you navigate the world of homeowners insurance coverages in Topeka, KS.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $908 |
| $200,000 | $1,544 |
| $300,000 | $1,908 |
| $400,000 | $2,907 |
| $500,000 | $3,656 |
Home insurance costs in Topeka can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 066605 | $3,069 |
| 66604 | $3,037 |
| 66611 | $3,047 |
| 66606 | $3,020 |
| 66616 | $2,977 |
| 66608 | $2,958 |
| 66607 | $2,922 |
| 66612 | $2,930 |
| 66603 | $2,939 |
| 66610 | $3,346 |
| 66615 | $3,310 |
| 66618 | $3,180 |
| 66617 | $3,164 |
| 66614 | $3,131 |
| 66609 | $3,048 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Topeka, KS, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,328 |
| $1000 Deductible | $2,083 |
| $1500 Deductible | $1,964 |
| $2500 Deductible | $1,771 |
| $5000 Deductible | $1,499 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Topeka, KS | 7.5% | 19.4% |
| Shawnee County | 6.91% | 18.49% |
| Tecumseh | 5.82% | 18.49% |
| Menoken | 5.09% | 21.9% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Topeka | $146 to $149 |
| Shawnee County | $149 |
| Tecumseh | $153 |
| Williamsport | $145 |
| Coverage ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | State Farm | Farmers Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 129 | 107 | 51 |
| Year Built | 1947 | 1968 | 1991 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $100000-$125000 | $50000-$75000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible |