Average homeowners insurance cost in Topeka, Kansas

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In Topeka, homeowners pay an average annual rate of $4,481 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,899 more than the national average of $2,582 .

Homeowners insurance rates change from one home to another. The home insurance premium in Topeka depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Topeka, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Topeka.

Key Takeaways

Homeowners insurance costs $4,481 per year in Topeka.
At $3,035 per year, Shelter Insurance offers the cheapest homeowners insurance in Topeka.
Your home insurance rates increase by $1,184 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Topeka per month

Topeka homeowners pay an average of $373 a month. It’s $29 less than the state average of $402 and $158 more than the national average for home insurance across the nation. The price of your homeowners insurance policy in Topeka may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house

In Topeka, homeowners pay an average of $3,297 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Topeka typically pay an average of $4,481 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $1,184 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Topeka by company

Among the carriers we analyzed, Shelter Insurance is the most affordable homeowners insurance company in Topeka, offering an average annual rate of $3,035 , while State Farm ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Topeka and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Topeka and what you can expect to pay with each one on average.

Home Insurance Company	Annual rate
Shelter Insurance	$3,035
State Farm	$3,035
Allstate	$3,182
American Family	$3,762
Iowa Farm bureau	$3,916
Farmers	$4,619
Nationwide	$7,082

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Kansas that can impact your home insurance

Living in Kansas means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Kansas is commonly affected by Winter weather.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Topeka for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.