Average homeowners insurance cost in Wichita, KS

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As per Insure.com’s rate data analysis, 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), It’s $2,734 more than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Wichita depend on several factors, including:

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

State Farm is the cheapest homeowners insurance company in Wichita with an average annual premium of $5,316 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Wichita. Keep reading to learn about the monthly cost of homeowners insurance in Wichita, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Wichita.

Key takeaways

In Wichita, homeowners insurance costs $5,316 annually.
State Farm offers the most affordable homeowners insurance in Wichita with an average annual premium of $3,966.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $932 higher.

Average homeowners insurance cost in Wichita per month

According to our rate analysis, homeowners in Wichita pay an average of $443 per month. It’s $41 more than the state average of $402 and $228 more than the national average for home insurance across the United States.

In Wichita, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Wichita

In Wichita, KS, homeowners pay an average of $4,384 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 Wichita

According to a rate analysis by Insure.com, homeowners in Wichita pay an average of $5,316 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $932 more a year for home insurance. It would be best to buy enough insurance to cover the full 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 Wichita by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Wichita, offering an average annual rate of $3,966.

American Family ranks second, while Shelter Insurance holds the third spot with an average annual rate of $4,100.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Wichita and compiled a list of the most affordable options.

Below are the details of home insurance companies in Wichita 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

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.