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How to find affordable homeowners insurance in Wichita

 

Home insurance is an important part of owning a home. Along with your personal property, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Events like this occur often. When paired with the high cost of repairing or rebuilding a house, investing in coverage is a wise move. The average homeowners policy costs $324 per month in Wichita, Kansas. This is almost triple what the average American pays for home insurance.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more about what is covered by a homeowners insurance policy.

If you want to find inexpensive homeowners insurance in Wichita, start with looking around and comparing different policies. Have a look at the summary below comparing average Wichita home insurance premiums to ensure you start your search with as much background info as possible. Remember: your insurance premiums will vary based on your coverage limits, neighborhood, and other factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

 

Wichita home insurance by company

Wichita homeowners insurance rates will vary depending on which insurance company you choose. 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 premium ($3,891).

Start your search for a home insurance policy by reviewing the cheapest homeowners insurance companies in Wichita, Kansas, listed below. Or, see our guide listing the best home insurers based on customer satisfaction and other factors.

 
AFFORDABLE HOME INSURERS IN WICHITA
Company Average Annual Rate
State Farm $2,890
Marysville Mutual $2,922
Shelter $3,060
Allstate $3,297
Bremen Farmers Mutual $3,505

 

Wichita homeowners insurance prices by coverage level

Your chosen amount of homeowners coverage impacts 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 $4,958 per year.

 
POPULAR COVERAGE LIMITS IN WICHITA
Coverage Level Average Annual Rate
$100K Dwelling $1,971
$200K Dwelling $2,928
$250K Dwelling $3,449
$400K Dwelling $4,958

 

Wichita home insurance rates by ZIP code

Home insurance costs can vary depending on what part of Wichita in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can dramatically affect your home insurance rates.

If you're looking for the cheapest homeowners coverage in Wichita, consider the 67204 ZIP code. In this neighborhood, policies typically cost just $3,824 a year, which is $66 less than the overall average for Wichita. If you’re looking for the areas with the most affordable homeowners premiums in Wichita, have a look at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN WICHITA
ZIP Code Average Annual Home Insurance Rate
67204 $3,824
67205 $3,827
67206 $3,842

Other areas of Wichita, it should be noted, face homeowners rates that surpass the citywide 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 home insurance.

 
EXPENSIVE HOME INSURANCE AREAS IN WICHITA
ZIP Code Average Annual Home Insurance Rate
67227 $3,977
67260 $3,973
67232 $3,937

 

Wichita homeowners insurance deductibles

One of the multiple decisions that you will make when looking at home insurance policies is how high or low to set your deductible. The deductible is the total dollar amount that the insured must contribute toward a covered loss. The deductible chosen can have a big impact on home insurance rates.

In short, a higher deductible means cheaper insurance rates. Therefore, consider a higher deductible if you're hoping to pay less for home insurance. Be mindful of the fact that your deductible should only be set as high as you can reasonably pay if you suffer a loss.

Below you'll find some typical deductible options offered on most home policies as well as with corresponding average insurance premiums.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN WICHITA
Deductible Level Average Annual Homeowners Insurance Rate
$500 $3,715
$1,000 $3,449
$1,500 $3,228
$2,000 $3,104
$5,000 $2,671

 

Home and auto insurance bundling in Wichita

If you’re searching for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance can be a good way to save. In fact, bundling policies in Wichita can reduce your rates by 12%.

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

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.