Gavop's guide to buying homeowners insurance in Clark County, KS covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $21,500 | $20,000 | $0-$25,000 |
| 2 Bedroom | $47,500 | $40,000 | $25,000-$50,000 |
| 3 Bedroom | $92,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $84,500 | $80,000 | $75,000-$100,000 |
| 5 Bedroom | $144,500 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $727 |
| Superior Protection Discount | -$85 | $761 |
| Fire & Security Discount | -$85 | $761 |
| Hail Resistant Roof Discount | -$17 | $828 |
| Newly Constructed Home Discount | -$203 | $642 |
| 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 |
| Clark County | $2,000 | $835 | $2,835 | $607 | $2,607 | $228 |
| Clark County, KS | $700 | $835 | $1,535 | $607 | $1,307 | $228 |
| Protection, KS | $100 | $883 | $983 | $642 | $742 | $241 |
| Meade Center, KS | $2,000 | $1,017 | $3,017 | $739 | $2,739 | $278 |
| Harper County, OK | $400 | $898 | $1,298 | $653 | $1,053 | $245 |
| Coldwater, KS | $1,500 | $1,000 | $2,500 | $727 | $2,227 | $273 |
| Dodge City, KS | $500 | $839 | $1,339 | $610 | $1,110 | $229 |
| Grandview, KS | $2,000 | $1,447 | $3,447 | $1,052 | $3,052 | $396 |
| West Woods, OK | $400 | $1,249 | $1,649 | $908 | $1,308 | $341 |
| Haviland, KS | $700 | $1,046 | $1,746 | $760 | $1,460 | $286 |
| Beaver, OK | $100 | $1,136 | $1,236 | $826 | $926 | $311 |
| Home Insurance Company Clark County, KS | Homeowners Insurance Agency Clark County, KS | Address | Popularity Score | Distance from Clark County (miles) |
|---|---|---|---|---|
| State Farm | Rob Sowers | 2500 Central Ave Ste C, Dodge City, KS, 67801-6204 | 39.1 | |
| Allstate | Peoples Insurance | 106 N Sycamore St Ste A, Greensburg, KS, 67054 | 38.4 | |
| Allstate | Parker-Haskins Insurance Inc | 1712 Central Ave # 176, Dodge City, KS, 67801 | 38.3 | |
| State Farm | Brad Lock | 1701 N 14th Ave Ste B, Dodge City, KS, 67801-3499 | 38.5 | |
| State Farm | Shanda Swinehart | 101 S. Main St. Suite 111, Greensburg, KS, 67054 | 38.5 | |
| Farmers | Melanie Guillen | 204 E Frontview St, Dodge City, KS, 67801 | 39.2 | |
| State Farm | Oscar Obando | 1000 W Wyatt Erp Blvd, Dodge City, KS, 67801-4113 | 37.7 | |
| Liberty Mutual Independent | Kansas Farmers Service Assn | 2011 Central Ave, Dodge City, KS, 67801 | 38.5 | |
| Allstate | Snell-Nelson Ins | 208 W 8 Ave Po Box 868, Ashland, KS, 67831 | 4.0 | |
| Allstate | Snell-Nelson Ins | 820 Main, Ashland, KS, 67831 | 4.3 |
| 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 |
| Clark County, KS | $76,400 | $845 | $660 | $1,140 | $480 |
| Clark County, KS | $76,400 | $845 | $660 | $1,140 | $480 |
| Protection, KS | $61,300 | $894 | $700 | $1,210 | $510 |
| Meade Center, KS | $79,700 | $1,029 | $800 | $1,390 | $590 |
| Harper County, OK | $76,300 | $909 | $650 | $1,280 | $630 |
| Coldwater, KS | $77,300 | $1,012 | $790 | $1,370 | $580 |
| Dodge City, KS | $106,100 | $849 | $660 | $1,150 | $490 |
| Grandview, KS | $163,500 | $1,465 | $1,140 | $1,980 | $840 |
| West Woods, OK | $97,500 | $1,264 | $860 | $1,730 | $870 |
| Haviland, KS | $84,200 | $1,059 | $830 | $1,430 | $600 |
| Beaver, OK | $84,100 | $1,150 | $820 | $1,600 | $780 |