Gavop shows you how to buy homeowners insurance in Lincoln, KS by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $31,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $96,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $169,000 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $201,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $710 |
| Superior Protection Discount | -$83 | $744 |
| Fire & Security Discount | -$74 | $752 |
| Hail Resistant Roof Discount | -$25 | $801 |
| Newly Constructed Home Discount | -$182 | $644 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Grant County | $700 | $825 | $1,525 | $600 | $1,300 | $226 |
| Lincoln, KS | $2,500 | $816 | $3,316 | $593 | $3,093 | $223 |
| Center, KS | $200 | $1,094 | $1,294 | $795 | $995 | $299 |
| West Center, KS | $2,000 | $1,462 | $3,462 | $1,063 | $3,063 | $400 |
| Sherlock, KS | $200 | $1,376 | $1,576 | $1,000 | $1,200 | $376 |
| Lockport, KS | $2,500 | $1,474 | $3,974 | $1,071 | $3,571 | $403 |
| Holcomb, KS | $100 | $1,347 | $1,447 | $979 | $1,079 | $368 |
| Seward County, KS | $2,000 | $808 | $2,808 | $587 | $2,587 | $221 |
| Syracuse, KS | $200 | $1,054 | $1,254 | $766 | $966 | $288 |
| Liberal, KS | $1,000 | $818 | $1,818 | $595 | $1,595 | $224 |
| East Hibbard, KS | $100 | $1,601 | $1,701 | $1,163 | $1,263 | $437 |
| Home Insurance Company Lincoln, KS | Homeowners Insurance Agency Lincoln, KS | Address | Popularity Score | Distance from Lincoln (miles) |
|---|---|---|---|---|
| Allstate | Al Shank Insurance | 24 W 2nd St, Liberal, KS, 67901 | 40.7 | |
| Allstate | The Agency Inc | 122 North Main, Lakin, KS, 67860 | 27.3 | |
| Nationwide | Mountain Plains Agency Llc | 409 N Stanton St, Johnson, KS, 67855 | 25.1 | |
| State Farm | Cynthia Warden | 224 N Main St, Garden City, KS, 67846-5424 | 37.1 | |
| Farmers | Rodrigo Ruvalcaba | 503 N Main St, Garden City, KS, 67846 | 37.3 | |
| State Farm | Robert Unruh | 1106 N Belmont Pl, Garden City, KS, 67846-4639 | 38.0 | |
| Farmers | Timothy Mann | 1021 Fleming St Ste F, Garden City, KS, 67846 | 38.2 | |
| State Farm | Mindy Dougherty | 524 Morton St, Elkhart, KS, 67950-5016 | 50.0 | |
| State Farm | Jerry Harding | 1105 N Kansas Ave, Liberal, KS, 67901-2441 | 40.1 | |
| State Farm | Shanda Swinehart | 716 W Oklahoma Ave, Ulysses, KS, 67880-2300 | 4.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kansas | $139,200 | $1,364 | $1,060 | $1,840 | $780 |
| Grant County, KS | $102,800 | $835 | $650 | $1,130 | $480 |
| Lincoln, KS | $100,600 | $826 | $640 | $1,120 | $480 |
| Center, KS | $91,600 | $1,107 | $860 | $1,490 | $630 |
| West Center, KS | $167,600 | $1,480 | $1,150 | $2,000 | $850 |
| Sherlock, KS | $145,900 | $1,393 | $1,090 | $1,880 | $790 |
| Lockport, KS | $170,800 | $1,492 | $1,160 | $2,010 | $850 |
| Holcomb, KS | $139,000 | $1,363 | $1,060 | $1,840 | $780 |
| Seward County, KS | $98,500 | $818 | $640 | $1,100 | $460 |
| Syracuse, KS | $85,400 | $1,067 | $830 | $1,440 | $610 |
| Liberal, KS | $101,000 | $828 | $650 | $1,120 | $470 |
| East Hibbard, KS | $211,100 | $1,620 | $1,260 | $2,190 | $930 |