Gavop's guide to buying homeowners insurance in Montgomery 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 | $39,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $77,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $108,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $149,500 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $223,500 | $200,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$180 | $769 |
| Superior Protection Discount | -$95 | $854 |
| Fire & Security Discount | -$85 | $864 |
| Hail Resistant Roof Discount | -$19 | $930 |
| Newly Constructed Home Discount | -$190 | $760 |
| 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 |
| Montgomery County | $2,500 | $938 | $3,438 | $682 | $3,182 | $256 |
| Montgomery County, KS | $1,000 | $938 | $1,938 | $682 | $1,682 | $256 |
| Dearing, KS | $300 | $873 | $1,173 | $635 | $935 | $239 |
| Tyro, KS | $700 | $957 | $1,657 | $696 | $1,396 | $262 |
| Copan, OK | $100 | $1,326 | $1,426 | $964 | $1,064 | $362 |
| Wilson County, KS | $1,000 | $776 | $1,776 | $564 | $1,564 | $212 |
| Delaware, OK | $400 | $721 | $1,121 | $524 | $924 | $197 |
| Moline, KS | $1,000 | $669 | $1,669 | $486 | $1,486 | $183 |
| Craig County, OK | $1,500 | $879 | $2,379 | $639 | $2,139 | $240 |
| Toronto, KS | $200 | $699 | $899 | $508 | $708 | $191 |
| Salamanca, KS | $2,000 | $1,216 | $3,216 | $884 | $2,884 | $332 |
| Home Insurance Company Montgomery County, KS | Homeowners Insurance Agency Montgomery County, KS | Address | Popularity Score | Distance from Montgomery County (miles) |
|---|---|---|---|---|
| State Farm | Terry Bessman | 121 N Kansas Ave, Columbus, KS, 66725-1219 | 49.7 | |
| Travelers | Exchange Insurance Agency Inc | 718 Central, St Paul, KS, 66771 | 38.8 | |
| Liberty Mutual Independent | Central Insurance | 222 W. 8th, Coffeyville, KS, 67337 | 12.6 | |
| Liberty Mutual Independent | Central Insurance | 222 W 8th St, Coffeyville, KS, 67337 | 12.6 | |
| Travelers | Mrh Insurance Group | 725 W Cherry, Chanute, KS, 66720 | 37.7 | |
| State Farm | Connie Shiverdecker | 1018 Main St, Neodesha, KS, 66757-1675 | 16.0 | |
| Travelers | Wilson County Agency | 421 Main St, Neodesha, KS, 66757 | 16.1 | |
| Farmers | Dale Holtzman | 2217 Main St, Parsons, KS, 67357 | 28.1 | |
| Farmers | Terry Beeson | 1505 W 8th St, Coffeyville, KS, 67337 | 12.0 | |
| State Farm | Kirk Wright | 1701 W Main St, Independence, KS, 67301-8405 | 2.5 |
| 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 |
| Montgomery County, KS | $74,000 | $949 | $740 | $1,280 | $540 |
| Montgomery County, KS | $74,000 | $949 | $740 | $1,280 | $540 |
| Dearing, KS | $60,000 | $884 | $690 | $1,190 | $500 |
| Tyro, KS | $71,200 | $969 | $760 | $1,310 | $550 |
| Copan, OK | $107,000 | $1,342 | $980 | $1,840 | $860 |
| Wilson County, KS | $66,700 | $785 | $610 | $1,060 | $450 |
| Delaware, OK | $38,800 | $730 | $530 | $1,000 | $470 |
| Moline, KS | $35,500 | $677 | $530 | $910 | $380 |
| Craig County, OK | $96,100 | $890 | $650 | $1,240 | $590 |
| Toronto, KS | $38,800 | $707 | $550 | $950 | $400 |
| Salamanca, KS | $112,700 | $1,231 | $960 | $1,660 | $700 |