Average homeowners insurance cost in Wichita, Kansas

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The average cost of homeowners insurance in Wichita is $5,316 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 $2,734 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Wichita depend on a number of factors, including:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Wichita, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Wichita.

Key Takeaways

The cost of your homeowners insurance policy in Wichita can vary based on factors such as your location, the value of your home, and the coverage options you select.
State Farm is the cheapest homeowners insurance company in Wichita with an average annual premium of $3,966 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $932 more annually for home insurance.

Average homeowners insurance cost per month

Residents of Wichita pay an average of $443 per month for homeowners insurance. This is $41 more than the state average of $402 and $228 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Wichita can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $4,384 per year in Wichita. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house

Wichita residents pay an average of $5,316 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $932 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Wichita by company

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in Wichita. Its average annual rate for homeowners in Wichita is $3,966 , while American Family ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Wichita and compiled a list of the most affordable home insurance companies.

Below are details of Wichita home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
American Family	$4,002
Shelter Insurance	$4,100
Allstate	$4,372
Farmers	$4,760
Iowa Farm bureau	$5,028
Nationwide	$8,427
State Farm	$3,966

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

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

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Wichita 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.

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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.