Wichita Homeowners Insurance

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 homeowners coverage can seem like a great move.

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 homeowners insurance premiums to ensure you start your search with as much background info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


Wichita, Kansas, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Insurance bundle discounts

Home insurance in Wichita 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 homeowners premium of $3,891.

Start your search for a home insurance policy by reviewing the cheapest companies in Wichita, Kansas, listed below.


AFFORDABLE HOME INSURERS 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 prices in Wichita by coverage limit

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.


HOMEOWNERS INSURANCE RATES IN WICHITA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,971
$200K Dwelling$2,928
$250K Dwelling$3,449
$400K Dwelling$4,958

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Wichita homeowners 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, take at look at the 67204 ZIP code. In the 67204 area, homeowners policies typically cost just $3,824 a year, which isa full $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 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, it should be noted, face homeowners rates that surpass 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 home insurance.


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

Home insurance deductibles in Wichita

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 your are hoping to pay lower home insurance premiums. 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.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE TIER IN WICHITA
Deductible LevelAverage Annual Home Insurance Rate
$500$3,715
$1,000$3,449
$1,500$3,228
$2,000$3,104
$5,000$2,671

Money-saving tip: bundle home and auto insurance 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 money-saving option. In fact, bundling policies in Wichita leads to average annual savings of 12%.


CHEAPEST AUTO INSURANCE PREMIUMS WITH HOME BUNDLE IN WICHITA
CompanyAvg. Annual Auto Insurance Rate (With 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.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.