Home Home insurance Average home insurance cost Kansas Topeka, KS Average homeowners insurance cost in Topeka, KS View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost of homeowners insurance in Topeka is $4,481 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,899 more than the national average of $2,582. However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Topeka depend on a number of factors, including: 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 to know how much homeowners insurance cost per month in Topeka, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Topeka. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Topeka. Key takeawaysThe cost of your homeowners insurance policy in Topeka can vary based on factors such as your location, the value of your home, and the coverage options you select. Shelter Insurance is the cheapest homeowners insurance company in Topeka with an average annual premium of $3,035. If you increase your dwelling coverage from $200,000 to $300,000, you will pay $1,184 more, annually for home insurance.Average homeowners insurance cost in Topeka per monthTopeka homeowners pay an average of $373 a month, based on our rate analysis. It’s $29 less than the state average of $402 and $158 more than the national average for home insurance across the United States. 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 In Topeka, KS, homeowners pay an average of $3,297 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance. Average homeowners insurance cost for a $300,000 house in Topeka 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 sufficient 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 analyzed, Shelter Insurance is the most affordable homeowners insurance company in Topeka. It’s average annual rate for homeowners in Topeka is $3,035.State Farm, ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $3,182.Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Topeka and compiled a list of the most affordable home insurance companies.Below are details of Topeka home insurance companies and their average annual premiums.Home Insurance Company Annual rate Shelter Insurance$3,035State Farm$3,035Allstate$3,182American Family$3,762Iowa Farm bureau$3,916Farmers$4,619Nationwide$7,082 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Topeka for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesOlatheOverland ParkWichita In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Does homeowners insurance cover theft? By Nupur Gambhir Does home insurance cover fires from alternative heating sources? By Ashlee Tilford Guide to additional living expenses coverage By Lena Borrelli Homeowners insurance for seniors: A comprehensive guide By Chris Kissell Home insurance claims: How to file and what you should know By Chris Kissell Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page Average homeowners insurance cost in Topeka per month Average homeowners insurance cost for a $200,000 house in Topeka Average homeowners insurance cost for a $300,000 house in Topeka Average homeowners insurance cost in Topeka by company Methodology ZIP Code Please enter valid ZIP See rates