Gavop shows you how to buy homeowners insurance in Decatur 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 | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $80,000 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $76,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $86,000 | $70,000 | $75,000-$100,000 |
| 5 Bedroom | $100,500 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $627 |
| Superior Protection Discount | -$76 | $688 |
| Fire & Security Discount | -$61 | $703 |
| Hail Resistant Roof Discount | -$15 | $749 |
| Newly Constructed Home Discount | -$191 | $573 |
| 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 |
| Decatur County | $2,000 | $755 | $2,755 | $549 | $2,549 | $206 |
| Decatur County, KS | $1,000 | $755 | $1,755 | $549 | $1,549 | $206 |
| Jennings, KS | $300 | $672 | $972 | $488 | $788 | $184 |
| Selden, KS | $2,500 | $925 | $3,425 | $672 | $3,172 | $253 |
| Herndon, KS | $100 | $654 | $754 | $475 | $575 | $179 |
| Tyrone, NE | $2,000 | $1,393 | $3,393 | $1,012 | $3,012 | $381 |
| Driftwood, KS | $1,000 | $1,215 | $2,215 | $883 | $1,883 | $332 |
| Holbrook, NE | $400 | $644 | $1,044 | $468 | $868 | $176 |
| Ridnour, NE | $2,500 | $879 | $3,379 | $639 | $3,139 | $240 |
| Logan, KS | $500 | $962 | $1,462 | $699 | $1,199 | $263 |
| Home Insurance Company Decatur County, KS | Homeowners Insurance Agency Decatur County, KS | Address | Popularity Score | Distance from Decatur County (miles) |
|---|---|---|---|---|
| State Farm | Jane Johnson | 905 E 4th St, Colby, KS, 67701-2801 | 40.7 | |
| Travelers | Almena State Bank | 500 Main, Almena, KS, 67622 | 40.8 | |
| Travelers | Almena State Bank | 500 Main, Almena, KS, 67622 | 40.8 | |
| Farmers | Rodney Eisenbise | 2780 N Range Ave, Colby, KS, 67701 | 40.6 | |
| Farmers | Robert Spresser | 119 S 4th St, Atwood, KS, 67730 | 31.0 | |
| State Farm | Ken Schultz | 126 S. Penn, Oberlin, KS, 67749 | 4.5 | |
| State Farm | Ken Schultz | 104 S Kansas Ave, Norton, KS, 67654-2130 | 30.6 | |
| Travelers | First Choice Insurance | 105 W Main St, Norton, KS, 67654 | 30.5 | |
| Travelers | Bridges Insurance | 117 N Kansas, Norton, KS, 67654 | 30.6 | |
| Nationwide | Mountain Plains Agency Llc | 1690 W 4th St, Colby, KS, 67701 | 41.8 |
| 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 |
| Decatur County, KS | $63,400 | $764 | $600 | $1,030 | $430 |
| Decatur County, KS | $63,400 | $764 | $600 | $1,030 | $430 |
| Jennings, KS | $35,800 | $680 | $530 | $920 | $390 |
| Selden, KS | $66,800 | $936 | $730 | $1,260 | $530 |
| Herndon, KS | $33,800 | $662 | $520 | $890 | $370 |
| Tyrone, NE | $182,500 | $1,410 | $960 | $1,990 | $1,030 |
| Driftwood, KS | $112,500 | $1,230 | $960 | $1,660 | $700 |
| Holbrook, NE | $48,400 | $652 | $450 | $930 | $480 |
| Ridnour, NE | $84,400 | $890 | $610 | $1,240 | $630 |
| Logan, KS | $72,000 | $974 | $760 | $1,310 | $550 |