How Can I Make My Gardner, KS Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Gardner, 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.
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Estimate Appropriate Gardner, KS Home Insurance Coverage Levels | Back to Top
| Gardner, KS - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| W 150 Th Ter, Circle Dr, W 174th St, Oak Cir, S Cedar Niles Rd, Lake Road 10, 174th Ct, Heather Ln, Four Corners Rd, Madison St | $198,000 | $190,000 | $150,000-$175,000 | $358,500 | $310,000 | $300,000-$350,000 |
| W Cheyenne St, W Colleen Dr, E 175th St, S Maple St, N Mulberry Ct, W 144th Ct, S Cedar St, W 188th St, King, Mulberry | $193,000 | $160,000 | $200,000-$250,000 | $222,000 | $190,000 | $250,000-$300,000 |
| Lake Road 1, Lake Rd 11, W McKinley St, E Meadowlark Ct, E Pumpkin Ridge St, Wildcat Run, Saddlewood St, E Madison Ave, N Mulberry St, E Lincoln Ln | $169,000 | $140,000 | $150,000-$175,000 | $190,500 | $150,000 | $150,000-$175,000 |
| W 143rd Pl, Waverly Rd, W Barbara Ct, W Skylark Cir, Ghost Creek Cir, E Mockingbird St, N Poplar Ct, S Agnes St, E Grand St, Aspen St | $245,500 | $210,000 | $175,000-$200,000 | $312,500 | $300,000 | $250,000-$300,000 |
| W Madison St, Winwood Ter, W 173rd Ter, Woodson Cir, Dodge St, S Ash St, Lake Rd 9, S Elm St, S Juniper St, S Juniper St | $244,000 | $220,000 | $250,000-$300,000 | $301,500 | $250,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Gardner, KS | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$169 | $888 |
| Superior Protection Discount | -$95 | $962 |
| Fire & Security Discount | -$74 | $983 |
| Hail Resistant Roof Discount | -$32 | $1,026 |
| Newly Constructed Home Discount | -$233 | $825 |
Choose the Right Deductible for your Gardner, KS Home | Back to Top
| 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 |
| Johnson County | $1,500 | $1,490 | $2,990 | $1,083 | $2,583 | $407 |
| Gardner, KS | $1,000 | $1,045 | $2,045 | $759 | $1,759 | $285 |
| Shawnee, KS | $100 | $1,449 | $1,549 | $1,053 | $1,153 | $396 |
| Mission, KS | $2,500 | $1,023 | $3,523 | $744 | $3,244 | $280 |
| Gallatin, MO | $200 | $990 | $1,190 | $720 | $920 | $271 |
| Oakview, MO | $2,500 | $1,035 | $3,535 | $752 | $3,252 | $283 |
| Baldwin Park, MO | $400 | $710 | $1,110 | $516 | $916 | $194 |
| Meriden, KS | $2,000 | $1,158 | $3,158 | $841 | $2,841 | $316 |
| Topeka, KS | $100 | $1,067 | $1,167 | $775 | $875 | $292 |
| Fort Osage, MO | $700 | $856 | $1,556 | $622 | $1,322 | $234 |
| Levasy, MO | $400 | $755 | $1,155 | $549 | $949 | $206 |
| Dragoon, KS | $2,500 | $1,093 | $3,593 | $794 | $3,294 | $299 |
Identify Top Home Insurance Agents near Gardner, KS | Back to Top
| Home Insurance Company Gardner, KS | Homeowners Insurance Agency Gardner, KS | Address | Popularity Score | Distance from Gardner (miles) |
|---|---|---|---|---|
| Farmers | Leah Smith | 16069 S Bradley Dr, Olathe, KS, 66062 | 8.3 | |
| Travelers | Mike Perz & Associates Llc | 7304 W 130th St Ste 320, Overland Park, KS, 66213 | 15.0 | |
| Farmers | Gary Lewis | 11880 College Blvd Ste 202, Overland Park, KS, 66210 | 13.6 | |
| Liberty Mutual Independent | J Goodman Insurance Agency | 1990 E Santa Fe Ste 203, Olathe, KS, 66062 | 9.2 | |
| State Farm | John Booth | 1821 S Ridgeview Rd, Olathe, KS, 66062-2288 | 7.6 | |
| Travelers | Ahi Group | 2143 E 151st St, Olathe, KS, 66062 | 8.5 | |
| State Farm | Sandy Walker | 9666 Quivira Rd, Lenexa, KS, 66215-1669 | 14.6 | |
| Travelers | Conrad Insurance Agency | 10701 Barkley, Overland Park, KS, 66211 | 16.5 | |
| Farmers | Robert Kelly | 235 E Main St, Gardner, KS, 66030 | 0.5 | |
| Farmers | Robert Newton | 601 N Mur Len Rd Ste 21a, Olathe, KS, 66062 | 9.6 |
Compare Rates for Gardner, KS Home Insurance Providers | Back to Top
| 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 |
| Johnson County, KS | $232,500 | $1,508 | $1,180 | $2,040 | $860 |
| Gardner, KS | $169,500 | $1,057 | $820 | $1,430 | $610 |
| Shawnee, KS | $214,900 | $1,467 | $1,140 | $1,980 | $840 |
| Mission, KS | $161,400 | $1,036 | $810 | $1,400 | $590 |
| Gallatin, MO | $131,000 | $1,002 | $710 | $1,430 | $720 |
| Oakview, MO | $132,400 | $1,048 | $720 | $1,500 | $780 |
| Baldwin Park, MO | $45,600 | $719 | $520 | $1,000 | $480 |
| Meriden, KS | $102,300 | $1,172 | $910 | $1,580 | $670 |
| Topeka, KS | $100,400 | $1,080 | $840 | $1,460 | $620 |
| Fort Osage, MO | $126,700 | $867 | $630 | $1,200 | $570 |
| Levasy, MO | $55,000 | $764 | $520 | $1,090 | $570 |
| Dragoon, KS | $91,400 | $1,106 | $860 | $1,490 | $630 |
Research Home Insurance Companies Reviews in Gardner, KS Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: February 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
They could improve on their customer service by answering phone calls and returning messages quicker and by having a better way to get to an agent faster than going through the automated prompts.
Date: January 22, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
The premiums at State Farm seem to be a little high.. I believe I could get lower premiums elsewhere, but I'm not sure how good the customer service would be.
Allstate Home Insurance Reviews
Date: April 02, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
From what I understand, Allstate's policy offerings are good in comparison to other insurance providers. They are highly reputable.
GEICO Home Insurance Reviews
Date: November 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I got a pretty good premium from these guys. I shopped around a lot to get what I wanted.