Wichita ,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 Wichita, 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 Wichita, KS is $2345. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Wichita, KS. VHome Insurance will help you navigate the world of homeowners insurance coverages in Wichita, KS.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $938 |
| $200,000 | $1,595 |
| $300,000 | $1,970 |
| $400,000 | $3,002 |
| $500,000 | $3,775 |
Home insurance costs in Wichita 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 |
|---|---|
| 067203 | $3,049 |
| 67218 | $3,026 |
| 67217 | $3,020 |
| 67216 | $2,998 |
| 67211 | $3,000 |
| 67213 | $2,981 |
| 67214 | $2,966 |
| 67202 | $3,109 |
| 67230 | $3,484 |
| 67235 | $3,313 |
| 67205 | $3,323 |
| 67226 | $3,291 |
| 67209 | $3,155 |
| 67215 | $3,154 |
| 67212 | $3,140 |
| 67210 | $3,122 |
| 67208 | $3,103 |
| 67204 | $3,073 |
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 Wichita, KS, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,404 |
| $1000 Deductible | $2,150 |
| $1500 Deductible | $2,028 |
| $2500 Deductible | $1,829 |
| $5000 Deductible | $1,548 |
| Home Insurance Company Near Wichita, KS | Homeowners Insurance Agency Near Wichita, KS | Address |
|---|---|---|
| State Farm | Jim Maddox | 2020 N Webb Rd, Wichita, KS, 67206-3409 |
| Farmers | Reta Strotkamp | 504 State St, Augusta, KS, 67010 |
| NA | Castleberry Insurance, Llc | 7920 W Kellogg Ste 400, Wichita, KS, 67212 |
| NA | The Gates Agencydba Ag360 | 111 N Kansas Ave, Haven, KS, 67543 |
| Travelers | Asset Insurance Consultants | 550 N 159Th E Ste 214, Wichita, KS, 67230 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Eastborough city, Kansas | $169 | $225 | $338 |
| Oaklawn-Sunview CDP, Kansas | $140 | $187 | $281 |
| Sedgwick County, Kansas | $149 | $199 | $299 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Wichita, KS | 7.0% | 20.0% |
| Eastborough | 4.18% | 10.16% |
| Oaklawn-Sunview | 12.04% | 36.58% |
| Sedgwick County | 6.8% | 19.59% |
| Wichita Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 1,599 | 2.0% | $796 |
| $300 to $499 | 10,050 | 17.0% | $1246 |
| $500 to $749 | 22,173 | 39.0% | $1921 |
| $750 to $999 | 13,879 | 24.0% | $2671 |
| $1,000 to $1,499 | 6,208 | 11.0% | $3796 |
| $1,500 or more | 1,620 | 2.0% | $5446 |
| Streets in Wichita Area | Homeowners Insurance Cost |
|---|---|
| W Red Powell Dr, S Main Cir, Locust St, Tee Time Ct, S Horseback St, S Laclede Ct, Dalton St, W Binter Ln, N Fairmount Ave, Rogers Ln | $1,010 |
| W Sandhill Rd, S Ellsworth St, Ryan Ct, N 142nd St W, Whispering Brook, S Stoneborough Ct, Jamesburg St, Turnpike Dr, E Looman St, E 43rd Cir N | $966 |
| W Calvert St, E 30th St N, Peterson St, E Tamarac Ln, S Mt Carmel Cir, Central Ave, N Sedgwick Ave, W Hendryx St, E 56th St N, E Ethel St | $1,040 |
| E Ent Dr, N Boyd Ave, N Cranbrook Ct, W Bartlett Ct, Kenawee St, N Socora St, W Lake Dr, Mascot St, W Indianapolis, E 61st St S | $1,019 |
| E el Monte St, N Maus Ln, N Gentry St, W Kellogg Dr S, S Lulu Ct, Gold St, S Anthony Ln, Quail Run Cir, S Pattie Ave, W Ocala St | $949 |
| Brookstone, N Putter Ln, Tulsa St, Cromwell Dr, Lake Ridge Cir, Windemere St, W Maxwell Cir, N Filmore St, S Kailer Dr, N Fritillary Ct | $1,014 |
| E Wild Plum Dr, Bunting St, E Beachy St, Spring Creek Dr, N Watersedge Cir, N Fairway St, Bennett St, N Clara St, Woodard, E Corporate Hills Dr | $1,061 |
| Donegal Cir, N Mead, N Wichita, Dellrose, E Millrun Ct, Regal St, E 53rd St S, Forestview, Main St, Blue Stem Cir | $1,081 |
| S Eastmoor St, S All Hallows Rd, Dooley St, S Exposition, 2nd St, Menlo St, N Birkdale Dr, Tamarac Cir, N Laurel Dr, S Mamie Ln | $1,032 |
| E Graham Ave, E Genova St, Capri Ln, N Park Pl, N Keith Ct, W McCormick Ave, W Westlawn Ct, Ridgewood Dr, E Greenbriar Ct, Pennsylvania St | $1,022 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Wichita | $149 to $151 |
| Eastborough | $169 |
| Oaklawn-Sunview | $140 |
| Sedgwick County | $149 |
| Coverage ($) | Company | Average homeowners insurance premium ($) | ||
|---|---|---|---|---|
| Fire protection class 1-8 | Fire protection class 9 | Fire protection class 10 | ||
| 100,000 | Auto Club Family Insurance Company | 3,289 | 4,991 | 6,656 |
| 100,000 | Bremen Farmers Mutual Insurance Company | 892 | 1,093 | 1,291 |
| 100,000 | Safeco Insurance Company Of America | 1,501 | 2,804 | 3,302 |
| 100,000 | Travelers Property Casualty Insurance Company | 1,655 | 2,516 | 3,153 |
| 100,000 | Usaa Casualty Insurance Company | 2,136 | 2,288 | 2,288 |
| 100,000 | United Services Automobile Association | 1,971 | 2,105 | 2,105 |
| 200,000 | Armed Forces Insurance Exchange | 3,673 | 4,409 | 4,478 |
| 200,000 | Auto Club Family Insurance Company | 5,438 | 8,233 | 10,974 |
| 200,000 | Travelers Property Casualty Insurance Company | 2,533 | 3,749 | 4,633 |
| 300,000 | Travelers Home And Marine Insurance Company (The) | 3,821 | 5,584 | 6,851 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $3,800 |
| Yearly Wichita Homeowner Insurance Premium Example | $1,800 | $1,200 |
| Out of Pocket Expense During Claim | $800 | $3,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $13,400 | $12,200 |
| Net Savings to Wichita Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Wichita, KS Home Replacement Value MORE than Home Value | Wichita, KS Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $86,500 | $62,500 |
| Insurance Premium based on Replacement Value | $1,225 | $900 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $10,000 | Risk Exposure from Under Insuring Coverage is $14,000 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $125/year |
| Insurance Company | Amica Mutual Insurance Company | GEICO Insurance | Farmers Insurance |
| Monthly Premium | 264 | 456 | 107 |
| Year Built | 1964 | 1996 | 2010 |
| Home Details | 4 Beds, 2 Baths | 5 Beds, 4 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $400000-$500000 | $75000-$100000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $500 Deductible |