Gavop shows you how to buy homeowners insurance in Phillips County, 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 | $32,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $85,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $86,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $90,500 | $80,000 | $75,000-$100,000 |
| 5 Bedroom | $196,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $720 |
| Superior Protection Discount | -$85 | $763 |
| Fire & Security Discount | -$68 | $780 |
| Hail Resistant Roof Discount | -$17 | $831 |
| Newly Constructed Home Discount | -$220 | $627 |
| 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 |
| Phillips County | $2,500 | $837 | $3,337 | $609 | $3,109 | $229 |
| Phillips County, KS | $2,500 | $837 | $3,337 | $609 | $3,109 | $229 |
| Woodston, KS | $1,000 | $455 | $1,455 | $331 | $1,331 | $124 |
| Harlan County, NE | $400 | $733 | $1,133 | $533 | $933 | $200 |
| Ash Grove, NE | $2,000 | $1,783 | $3,783 | $1,296 | $3,296 | $487 |
| Tilden, KS | $2,000 | $1,016 | $3,016 | $738 | $2,738 | $278 |
| Round Mound, KS | $500 | $1,160 | $1,660 | $843 | $1,343 | $317 |
| Bethany, KS | $2,500 | $638 | $3,138 | $464 | $2,964 | $174 |
| Osborne, KS | $200 | $884 | $1,084 | $643 | $843 | $242 |
| Home Insurance Company Phillips County, KS | Homeowners Insurance Agency Phillips County, KS | Address | Popularity Score | Distance from Phillips County (miles) |
|---|---|---|---|---|
| Travelers | Almena State Bank | 500 Main, Almena, KS, 67622 | 20.8 | |
| Travelers | Almena State Bank | 500 Main, Almena, KS, 67622 | 20.8 | |
| State Farm | Ken Schultz | 104 S Kansas Ave, Norton, KS, 67654-2130 | 29.2 | |
| State Farm | Wayne Voss | 403 W. Mill St., Plainville, KS, 67663 | 38.0 | |
| Travelers | Bridges Insurance | 117 N Kansas, Norton, KS, 67654 | 29.2 | |
| State Farm | Rob Pinkerton | 445 State St, Phillipsburg, KS, 67661-1910 | 2.2 | |
| Travelers | First Choice Insurance | 105 W Main St, Norton, KS, 67654 | 29.3 | |
| Allstate | Rodgers & Assoc Ins. | 383 F. Street, Phillipsburg, KS, 67661 | 2.2 | |
| Travelers | Almena State Bank | 500 Main St, Almena, KS, 67622 | 20.8 |
| 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 |
| Phillips County, KS | $76,900 | $848 | $660 | $1,140 | $480 |
| Phillips County, KS | $76,900 | $848 | $660 | $1,140 | $480 |
| Woodston, KS | $13,300 | $461 | $360 | $620 | $260 |
| Harlan County, NE | $83,200 | $742 | $540 | $1,030 | $490 |
| Ash Grove, NE | $287,500 | $1,805 | $1,300 | $2,510 | $1,210 |
| Tilden, KS | $79,600 | $1,028 | $800 | $1,390 | $590 |
| Round Mound, KS | $102,500 | $1,174 | $920 | $1,580 | $660 |
| Bethany, KS | $32,100 | $646 | $500 | $870 | $370 |
| Osborne, KS | $61,400 | $895 | $700 | $1,210 | $510 |