Gavop shows you how to buy homeowners insurance in Independence, 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 | $33,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $71,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $116,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $108,500 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $212,000 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$153 | $654 |
| Superior Protection Discount | -$73 | $735 |
| Fire & Security Discount | -$89 | $718 |
| Hail Resistant Roof Discount | -$24 | $783 |
| Newly Constructed Home Discount | -$210 | $597 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,295 |
| Hail Damage | $4,476 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $17,389 |
| Home Insurance Company Independence, KS | Homeowners Insurance Agency Independence, KS | Address | Popularity Score | Distance from Independence (miles) |
|---|---|---|---|---|
| State Farm | Terry Bessman | 121 N Kansas Ave, Columbus, KS, 66725-1219 | 48.2 | |
| Liberty Mutual Independent | Central Insurance | 222 W. 8th, Coffeyville, KS, 67337 | 14.6 | |
| Travelers | Exchange Insurance Agency Inc | 718 Central St. St. Paul, St. Paul, KS, 66771 | 35.8 | |
| Liberty Mutual Independent | Central Insurance | 222 W 8th St, Coffeyville, KS, 67337 | 14.6 | |
| Travelers | Clemens Insurance Agency | 401 N 16th St, Parsons, KS, 67357 | 26.2 | |
| Travelers | Mrh Insurance Group | 725 W Cherry, Chanute, KS, 66720 | 34.3 | |
| Travelers | Exchange Insurance Agency Inc | 718 Central, St Paul, KS, 66771 | 35.7 | |
| State Farm | Connie Shiverdecker | 1018 Main St, Neodesha, KS, 66757-1675 | 12.8 | |
| Travelers | Wilson County Agency | 421 Main St, Neodesha, KS, 66757 | 12.9 | |
| Farmers | Terry Beeson | 1505 W 8th St, Coffeyville, KS, 67337 | 14.2 |
| 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 |
| Independence, KS | $70,200 | $807 | $630 | $1,090 | $460 |
| Montgomery County, KS | $74,000 | $949 | $740 | $1,280 | $540 |
| Verdigris, KS | $21,800 | $547 | $430 | $740 | $310 |
| Salt Springs, KS | $71,700 | $972 | $760 | $1,310 | $550 |
| Hendricks, KS | $34,000 | $664 | $520 | $900 | $380 |
| Severy, KS | $38,000 | $700 | $550 | $950 | $400 |
| New Alluwe, OK | $95,500 | $1,247 | $860 | $1,730 | $870 |
| Toronto, KS | $38,800 | $707 | $550 | $950 | $400 |
| West Mineral, KS | $32,000 | $645 | $500 | $870 | $370 |
| Neosho Falls, KS | $74,200 | $990 | $770 | $1,340 | $570 |