Wichita Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Wichita


A critical consideration for every homeowner should be their home insurance coverage. Fire, vandalism, theft, and wind damage are only a few of the perils for which homeowners insurance can protect your dwelling and personal property. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, homeowners coverage is a solid investment.

The cost of homeowners insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more info about what your homeowners insurance policy covers.

Finding the cheapest home insurance in Wichita starts with shopping around and comparing policies. Take a look at the summary below showing average home insurance premiums in Wichita to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Wichita, Kansas, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Wichita by insurance company

Homeowners insurance rates in Wichita vary from one insurance company to another. The most affordable home insurance in Wichita is State Farm offering average annual rates at just $2,890 per year. This is considerably cheaper than the city’s average homeowners premium of $3,891.

Below you'll find a list of the cheapest home insurance companies in Wichita, Kansas to help you begin your search.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN WICHITA
CompanyAverage Annual Rate
State Farm$2,890
Marysville Mutual$2,922
Shelter$3,060
Allstate$3,297
Bremen Farmers Mutual$3,505

Average home insurance costs in Wichita by coverage level

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay . Homeowners in Wichita who carry $200K in dwelling coverage pay an average of $2,928 per year, while those with coverage up to $400K pay around $4,880 per year.


HOMEOWNERS INSURANCE RATES IN WICHITA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,928
$400K Dwelling$4,880

Speak with a homeowners insurance expert

Wichita home insurance prices by ZIP code

Home insurance premiums can vary depending on what part of Wichita in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically affect your home insurance premium.

To find the most affordable home insurance premiums in Wichita, look no further than 67204. In the 67204 area, homeowners policies typically cost just $3,824 per year — a full $66 less than the Wichita average. The below table shows the best places to live in Wichita if you’re looking for affordable homeowners insurance.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN WICHITA
ZIP CodeAverage Annual Home Insurance Rate
67204$3,824
67205$3,827
67206$3,842

Other areas of Wichita, however, face homeowners rates that are higher than the city average . Fire risks, crime rates, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $3,977 makes 67227 the most expensive ZIP code in Wichita for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN WICHITA
ZIP CodeAverage Annual Home Insurance Rate
67227$3,977
67260$3,973
67232$3,937

Money-saving tip for home and auto insurance in Wichita: bundling

You might want to consider purchasing your auto and home insurance policies through the same company if you are looking to save on overall insurance costs . Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Wichita homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN WICHITA
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$882
American Family$959
State Farm$997
Iowa Farm Bureau$1,048
Farmers$1,273

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance expert today.


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