Wichita, KS Home Insurance - Analysis On Quotes, Rates & Agents

Wichita, KS Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Wichita, KS. The average cost of insurance in Wichita, KS is $1293. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Wichita, KS

National Average Premium State Average Premium Wichita Average Premium
$1,438 $1,364 $1,293

Top Home Insurance Companies in Wichita, KS | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Wichita, KS.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Shelter $1,107 $1,328 $1,726 $2,382
State Farm $2,915 $3,498 $4,547 $6,275
Safeco $3,112 $3,735 $4,855 $6,700
Travelers $2,862 $3,435 $4,465 $6,162

Wichita, KS Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 861.31
$150,000 To $174,999 1,514.16
$175,000 To $199,999 1,833.08
$200,000 To $249,999 2,160.14
$250,000 To $299,999 3,004.81
$300,000 To $399,999 4,021.62
$400,000 To $499,999 5,069.66
$500,000 To $749,999 6,489.17
$750,000 To $999,999 7,503.1
$1000,000 To $1499,999 8,263.55
$1500,000 To $2000,000 8,871.91

Visual Guide for Wichita, KS Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Wichita, KS | Back to Top

Home Insurance Company Near Wichita, KS Homeowners Insurance Agency Near Wichita, KS Address
Travelers Asset Insurance Consultants 550 N 159Th E Ste 214, Wichita, KS, 67230
State Farm Jim Maddox 2020 N Webb Rd, Wichita, KS, 67206-3409
Farmers Reta Strotkamp 504 State St, Augusta, KS, 67010

List of Wichita, KS Home Insurance Agents by Companies


Wichita, KS Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $155.16 on the home insurance premium is offered to Wichita, KS homeowners who have no previous history of claims filed, Wichita, KS homeowners with one claim have to file an additional home insurance rate of $78, while Wichita, KS homeowners with 2 claims have to pay $155 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -155 1,138
One Claim +78 1,371
Two Claim +155 1,448


Wichita, KS Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
67203 94,600 1,309
67218 83,700 1,215
67217 83,500 1,310
67216 69,000 1,202
67211 68,700 1,310
67213 65,700 1,202
67214 45,000 1,228
67202 281,300 1,202
67230 276,000 1,202
67235 218,100 1,228
67205 212,300 1,222
67226 194,900 1,202
67209 137,900 1,311
67215 137,200 1,215
67212 134,900 1,309
67210 120,300 1,241
67208 111,000 1,215
67204 100,800 1,222

Factors Affecting Home Insurance Premiums in Wichita, KS

Wichita, KS homeowners pay an average home insurance premium of $1293. Homeowners in Wichita, KS can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Wichita, KS Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,176
3 Bedroom 1,848
4 Bedroom 2,688
5 Bedroom 2,856

Wichita, KS Home Insurance Premiums for Different Deductibles | Back to Top

Wichita, KS Homeowners with a deductible of $500 pay a higher amount for home insurance, while Wichita, KS homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,277
$1000 Deductible 1,156
$1500 Deductible 1,088
$2000 Deductible 988
$2500 Deductible 928

Wichita, KS Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Wichita, KS pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,021
Year 30 Old 1,312
Year 40 Old 1,327
Year 50 Old 1,342
Above Year 50 1,355

Wichita, KS Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 168 1,125
Masonry 65 1,228
Brick 65 1,228
Superior 116 1,177
Hail Resistant Roof 39 1,254

Top Saving Tips on Wichita, KS Homeowners Insurance | Back to Top

Wichita, KS Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Wichita, KS Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Wichita, KS homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Wichita, KS homeowners can take advantage of to increase their savings.

Wichita, KS Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 207 1,086
Retiree Discount (Senior Citizen Discount) 181 1,474
Newly Constructed Home 272 1,021

Wichita, KS Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 168 1,125
Fire Extinguishers 91 1,202
Smoke Detectors 181 1,112
Sprinkler System 91 1,202
Fire Alarm 91 1,202
Burglar Alarm 116 1,177
Lightning Protection 52 1,241

Latest Home Insurance Reviews

Progressive
they have the best price i could find and i have never had a problem with them, there service is very easy to get or change on the internet.
State Farm
They have insurance you want at competitive prices and seem to be helpful when you need it. No complaints.
Farmer's Insurance
The company seems to be fairly priced, honest about their services and coverage, and relatively easy to get into contact with. They keep me updated on any important information I could need, which I appreciate.
Allstate
We have our cars, home and jewelry items all bundled together. This saves us on our overall rate as compared to having different insurers for the different items.
Farm Bureau
They do a wonderful job with what they have covered with me over the years, plus their rates are quite affordable in comparison to all the other companies I have dealt with over the years.
State Farm
I would recommend them because one year our insurance went up over $50 so we switched to this company which brought our mortgage payment back down to a reasonable level.
Liberty Mutual
I was able to lower our premium by several hundred dollars a year, and we actually increased our coverage. I believe we kept the deductible the same, so all things considered, we got a better deal with this company.
Allstate
Allstate had an option which worked best for be, making sure my deductible is where i need it to be all for a fair and good price.
Farm Bureau
I would recommend this company for home insurance in my area. They have the cheapest in my area and they have great coverage.
Liberty Mutual
The insurance company overall is good. Im satisfied with the services they provide me and also they helped me to reduce the price.
State Farm
My mother handles all of the deductible and insurance issues in our family. Unfortunately, I am not informed enough to know about the ins and outs of this process.
Farm Bureau
It has the standard coverage compared to everyone else. Comes with a membership for discounts and such. Also, it offers a solution for local contacts.
State Farm
Another thing we like is the fact that we can use the state farm insurance company website to find information about our insurance.
State Farm
I do not like the price i currently have to pay for my insurance. i feel that the company is very large and has enough customers that the overall prices should be much lower than what they currently are.
Safeco Insurance
Unlike many customer rep lines, the reps are native english speakers so you don't get the problems you do with foreign call centers
State Farm
I feel like the website is not user-friendly. I constantly click around until I finally find what I am looking for.
Liberty Mutual
As a company, Liberty Mutual may be large however, having representatives locally makes this company feel like a small home town company. The service is superior and the knowledge base is as well. I would highly recommend this company.
Farm Bureau
I like the fact that the website/mobile app will allow me to make a claim for a minor accident and schedule a time to meet with my insurance agent.
American Family
I honestly don't visit the website that often. I did set up auto pay but don't really look at it. It was very easy to navigate through and easy to set up my auto pay.
Geico
I can't really say much that I dislike except that every year my policy raises a couple dollars.
Encompass Insurance
I love the fact it has easy access to the things I care about. I am able to check my insurance fast when necessary.
Liberty Mutual
I like the fact that the information about an account is easily accessed and the website is easily navigated. Other than that, I personally did not have a good experience with Liberty.
Allstate
It was all done with the Allstate app and settlement of my claim was so fast. There were several follow up calls to make sure that we were happy with repairs and also updates along the way to make sure that we knew how long something was going to take and keep us informed.
Progressive
I like the combined policy discount and the amount of coverage based on the premium is great. I wish there were more communication though and the website was easier to navigate.
Aaa
I wish the premiums were a little more reasonable. I also wish I got a little more of a discount than I do for bundling
State Farm
I do wish I was paying a little less, but it isn't too high that I feel pressured to look elsewhere for more cheaper options.
Progressive
Not a fan of their name, the website as well and app are very annoying too. And the app is not free which is a pain.
Farm Bureau
I recommend Farm Bureau Tennessee Insurance Company to anyone looking for home, auto or life insurance. They are fair priced and the staff is knowledgeable and friendly.
Progressive
Overall, I just think they are a great company. They have great customer service, a great website and app, and a great claims department. I would recommend them to anyone looking for a company that is competitive in price and great overall for their services.
Allstate
Ive never have had problems with my insurance. I would 100% reccomend them because i have never had a problem like their commersials "you're in good hands" and i feel as though with that company i am.
Safeco Insurance
I would rate them 4 out of 5. I would recommend them because they were quick to approve our claim for a new roof and fence after Hurricane Ike and Harvey.
Farmer's Insurance
I like the ease of contacting my agent and the ability to review my coverage's whenever I need to. As my family grew, he was there at every stage.
American Family
its just the insurance company, the rates are better than other companies, plus close to home
Allstate
The cost is low compared to other companies. Also, they make it very easy to understand the coverage as well as add additional coverage if needed.