How Can I Make My Topeka, KS Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Topeka, 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 Topeka, KS Home Insurance Coverage Levels | Back to Top
| Topeka, KS - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| SW College Ct, SW Kenilworth Ct, NW Gibson St, SE Corinth Ct, SW Beverly Ct, NW Linwood Dr, SW Meadow Ct, SW Westridge Dr, E Perry St, 94th Rd | $179,500 | $150,000 | $200,000-$250,000 | $104,000 | $100,000 | $100,000-$125,000 |
| SW Courtland Ave, NE Laurent St, SE Liberty St, SW Kansas Ave, SE Connie Dr, Eagle St, SE 43rd St, SE Brookside Dr, Willets Rd, NW Alice Dr | $86,500 | $70,000 | $75,000-$100,000 | $61,500 | $60,000 | $50,000-$75,000 |
| NW 24th St, NE Sardou Ave, NW Saline St, NW Ridgeview Rd, SW Ashworth St, SE Massachusetts Ave, SE 32nd St, SW Bingham Rd, SW 34th Ct, SW Shady Ln | $106,500 | $90,000 | $100,000-$125,000 | $45,000 | $40,000 | $25,000-$50,000 |
| NW Green Hills Pl, SE 44th Ter, SW 24th Ter, Griswold St, SW James St, SE Branner St, SW 40th St, SW Blue Stem Dr, NW 43rd St, SW Laurens Way | $198,000 | $170,000 | $175,000-$200,000 | $105,000 | $90,000 | $100,000-$125,000 |
| SE Minnesota Ave, SW Vorse Rd, SW Hodges Rd, SW Pepperwood Ct, SE Vine St, SW Muirfield Ct, SW Lajolla Rd, NW Walker Ave, SE 18th Ter, SE 14th St | $86,000 | $70,000 | $50,000-$75,000 | $75,000 | $70,000 | $75,000-$100,000 |
| NW Northboro Dr, SW Terrace Ave, SW Harrison St, NE Kaw Valley Rd, NW 50th St, SW Marshall Ave, SW Coker Rd, SW Quinton Ave, SW Brookfield Cir, SW Quinton Ave | $74,500 | $70,000 | $50,000-$75,000 | $64,500 | $50,000 | $50,000-$75,000 |
| SE Bellview Ave, NE Twiss Ave, NW Rochester Rd, SW Lewelling Rd, SW Stewart Rd, NW Reo St, NW Fairchild St, NW Mission Rd, SW Saline St, NW Eugene St | $181,500 | $170,000 | $175,000-$200,000 | $142,500 | $130,000 | $125,000-$150,000 |
| W 109th St, NE Center Ave, SE Hancock St, NW Polk St, SE Walnut Dr, NW Bailey Rd, SW Overland Ct, SE Oakview Ln, SE Fremont St, NE Hilltop Dr | $110,000 | $100,000 | $100,000-$125,000 | $105,000 | $90,000 | $75,000-$100,000 |
| SE Kouns St, NW 31st St, NW Valencia Rd, SE Skylark Ct, SW Morna Dr, SE Ohio Ave, SW Bingham Ct, SE Pisces Ave, SW Rolling Ct, NW Vail Ct | $199,000 | $160,000 | $200,000-$250,000 | $153,000 | $120,000 | $125,000-$150,000 |
| SW West Trail Rd, NW 40th Ter, NW Knox Ave, NE Gordon St, SE 19th St, SW Mission Ct, SW Cheyenne Rd, SE Winston Dr, SW 22nd Ter, SW Broadview Dr | $113,000 | $100,000 | $125,000-$150,000 | $77,500 | $70,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Topeka, KS | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $929 |
| Superior Protection Discount | -$108 | $972 |
| Fire & Security Discount | -$119 | $961 |
| Hail Resistant Roof Discount | -$22 | $1,058 |
| Newly Constructed Home Discount | -$270 | $810 |
Choose the Right Deductible for your Topeka, 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 |
| Shawnee County | $1,500 | $1,203 | $2,703 | $874 | $2,374 | $329 |
| Topeka, KS | $1,000 | $1,067 | $2,067 | $775 | $1,775 | $292 |
| Tecumseh, KS | $400 | $1,013 | $1,413 | $736 | $1,136 | $277 |
| Willard, KS | $700 | $1,092 | $1,792 | $793 | $1,493 | $298 |
| Hoyt, KS | $300 | $1,127 | $1,427 | $819 | $1,119 | $308 |
| Vassar, KS | $2,000 | $1,332 | $3,332 | $968 | $2,968 | $364 |
| Holton, KS | $400 | $1,154 | $1,554 | $839 | $1,239 | $315 |
| Leavenworth County, KS | $1,500 | $1,328 | $2,828 | $965 | $2,465 | $363 |
| Whiting, KS | $100 | $1,003 | $1,103 | $729 | $829 | $274 |
| Kickapoo, KS | $2,500 | $1,503 | $4,003 | $1,092 | $3,592 | $411 |
| Wheaton, KS | $200 | $873 | $1,073 | $635 | $835 | $239 |
| Everest, KS | $1,000 | $811 | $1,811 | $589 | $1,589 | $222 |
Identify Top Home Insurance Agents near Topeka, KS | Back to Top
| Home Insurance Company Topeka, KS | Homeowners Insurance Agency Topeka, KS | Address | Popularity Score | Distance from Topeka (miles) |
|---|---|---|---|---|
| Allstate | Joy Wilner | 22748 Midland Dr, Shawnee, KS, 66226 | 45.5 | |
| Allstate | Jeremy B Schafer | 18126 W 119th St, Olathe, KS, 66061 | 49.2 | |
| Travelers | Prairie Land Insurance | 123 W 8th St Ste 101, Lawrence, KS, 66044 | 25.1 | |
| State Farm | Chris Munk | 3300 B Billings Pkwy Ste 1, Lawrence, KS, 66049-2949 | 23.1 | |
| Farmers | Robert Kelly | 235 E Main St, Gardner, KS, 66030 | 44.4 | |
| State Farm | Jane Webb | 9539 State Ave, Kansas City, KS, 66111-1815 | 48.4 | |
| State Farm | Dave Goodman | 1990 E Santa Fe St Ste 201, Olathe, KS, 66062-1660 | 50.1 | |
| Farmers | Dwight Calhoun | 1200 S Kansas Ave, Topeka, KS, 66612 | 1.1 | |
| Travelers | Fladung Insurance Agency | 1000 N Main Street Suite 4, Lansing, KS, 66043 | 45.5 | |
| State Farm | Sue Zientara | 300 S W 33rd, Topeka, KS, 66611-2208 | 2.1 |
Compare Rates for Topeka, 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 |
| Shawnee County, KS | $127,600 | $1,217 | $950 | $1,640 | $690 |
| Topeka, KS | $100,400 | $1,080 | $840 | $1,460 | $620 |
| Tecumseh, KS | $157,700 | $1,025 | $800 | $1,380 | $580 |
| Willard, KS | $91,300 | $1,105 | $860 | $1,490 | $630 |
| Hoyt, KS | $97,100 | $1,141 | $890 | $1,540 | $650 |
| Vassar, KS | $135,800 | $1,348 | $1,050 | $1,820 | $770 |
| Holton, KS | $101,600 | $1,168 | $910 | $1,580 | $670 |
| Leavenworth County, KS | $171,000 | $1,344 | $1,050 | $1,810 | $760 |
| Whiting, KS | $77,700 | $1,015 | $790 | $1,370 | $580 |
| Kickapoo, KS | $179,000 | $1,521 | $1,190 | $2,050 | $860 |
| Wheaton, KS | $60,000 | $884 | $690 | $1,190 | $500 |
| Everest, KS | $52,100 | $821 | $640 | $1,110 | $470 |
Research Home Insurance Companies Reviews in Topeka, KS Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 09, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
We use State Farm primarily as a renter's insurance since our HOA covers all other insurances (i.e. external and walls). The customer service I have had with State Farm has always been great.
Date: September 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
They've always been there for me. I've been with this company since I was 16 years of age. Never had a problem with them. They are always customer first and anything I need they are on it.
Date: July 28, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Compared to other insurances we've had Statefarm has some of the lowest premiums we've experienced and they're always willing to negotiate.
Date: January 23, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Based on reviewing what has been offered to me in comparison with other companies I have seen, State Farm offers everything I need for insurance. I have not seen another policy that has a part that I feel I am missing out on.
Date: October 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
MY HOME INSURANCE POLICY COULD COVER MY HOUSEHOLD'S MEDICAL CLAIMS, HOME DAMAGES AND DECORATIONS. AND IT PROVIDE MANY OFFERS.
Date: September 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
It gives more amount for claim our insurance for any unexpected needs than other insurance companies. And It gives the immediate action for us.
Date: August 16, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
The customer care of this company is very useful to us. They are very friendly with us. They clear all of our doubts and very informative.
Date: May 09, 2018 Age: Above 60 Gender: Female Marital Status: Married
Communication
The communication between me and my insurance company is very very smooth for me. They give more information while our communication.
Date: November 19, 2017 Age: 50 to 59 Gender: Female Marital Status: Married
Website/App
Protect our largest investment from unexpected events life may throw our way with homeowners insurance. Whether we've worked for it, inherited it – it's our stuff. Protect it with renters insurance.
Allstate Home Insurance Reviews
Date: April 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
This company has a fairly low deductible. And in some cases I do not have to pay if depending on what happened to cause the issue at hand.
Date: January 19, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
We recently had to deal with a claim on our insurance due to weather-related damage. During this time that the claim was open the customer service agent as well as the adjuster actually made it harder to deal with the claim then what it should have been. Are Insurance claim actually got prolonged when one of the agents on our case have lost their job. Our claim was put to the side and forgotten about. I had to call and have it reevaluated this made the process take much longer then what it should have. During this process while dealing with the agent who have lost their job was quite hard. They gave me a hard time about the contractors that I chose to use and treated me as if I didn't know what I was doing instead of guiding me along through the process.
Date: October 30, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Website/App
The company web site is easy to navigate. It shows me payments made, how how much I have paid and the outstanding amounts. It also lets me make simple changes like banking, phone numbers etc.
Date: October 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I enjoy that the company has agents that are friendly and willing to help. They understand that their customers have needs and are patient with their customers.
Date: August 13, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Communication
Every year the agent calls and contacts us regarding our policy to see if there is anything we would like to add/delete/or change. I am happy that we are approached by the company to ensure that our needs are met.
Date: August 08, 2018 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
Our insurance provider covers other structures, damages on the home and theft. The only thing we do not have covered is Earthquake insurance.
Date: May 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
We are satisfied with the premium as it has not increased much over the years. We have compared with other companies and it was a significant increase with the other companies and it covered less.
Date: November 27, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Website/App
I like that the website and the mobile app are both user-friendly. Everything is easy to find and I am able to get the information I need without having to contact anyone first.
AAA Home Insurance Reviews
Date: June 06, 2019 Age: 40 to 49 Gender: Unmarried Marital Status: Female
Premium
My deductible is the same as if I went to another company. I just feel that it is easier to process a claim with AAA.
Date: August 24, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Communication
The agents are not very knowledgeable and it takes half a day to get through to anyone. Furthermore, when you do speak to someone, often times you need to be transferred to someone else.
Date: August 20, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
My annual premium was excellent when I first joined AAA, but every year it has increased, despite not having any claims.
Date: June 08, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Customer service is almost non-existent. If I have to contact an agent via phone, the minimum wait is 30 minutes and often I can not a clear answer to my question.
Date: May 09, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Website/App
The insurance website is actually pretty good. It offers a simple interface for paying bills, looking up current information and even making policy changes.
Date: November 18, 2017 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
The basic home is covered, as well as surrounding structures (fence, driveway, etc.). Additionally, personal possessions and loss of use are covered.
Liberty Mutual Home Insurance Reviews
Date: February 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Price-wise they are competitive with other companies and I have not had any issues with their service. Their website is probably not as consumer-friendly as some of their bigger competitors though.
Date: September 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
In regards to the premium on my policy, given my age, location, career status, and current possessions, I personally believe that it is beyond fair for the coverage provided. I have shopped around at other companies prior to committing and I must say that Liberty Mutual provided the lowest quotable premium.
Date: August 26, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
The company has never let me down when speaking to a live person regarding a claim or roadside assistance. Clearly, the employees have a certain script to follow, however they are always professional and courteous in times of stress and chaos, which is when you usually contact your insurance company. You can also verify your information without your policy number which is huge. Most insurance companies hassle you over the phone and delay the process if you cannot readily identify your multi-digit insurance policy number, which is ridiculous.
Also, when filing a claim digitally or submitting a payment, their system never crashes, is secure and reliable. They are also open 24 hours.
Date: August 13, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
I have renters insurance for my home. A certain value & percentage of my furniture and decor are covered. If I sustained any type of loss, I would be compensated up to a certain amount for particular items. Case in point would be such as a fire, which more than likely would induce a total loss. My furniture, clothing, food and anything else that would be lost in the home is compensated to a certain percentage. An adjuster came out to my home and "evaluated" my possessions. A home burglary attempt or any other damage stemming from natural disaster is covered. Anything user induced, is subject for debate.
Date: May 05, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Website/App
The website and app both have a boatload of information contained within them. I love the website, because although a plethora of information is available, it is extremely to navigate and does not always constitute a phone call or the need to deal with a live person which is usually, if not always time consuming.
Date: January 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
My insurance company regular contacts me for new deals, updates and discounts I may qualify for. Also, if there is any information missing from any type of form, for any reason, Liberty Mutual is extremely good about contacting me and getting it squared away. There is not usually ever a problem in regards to paperwork or communication, especially when it concerns my policy.
Farm Bureau Home Insurance Reviews
Date: September 08, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
We have had Farm Bureau Insurance on our home for over 15 years. We have never needed to make a claim against the insurance company, but every time we have had contact with them.
Date: December 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
When i compared the prices with what was in there the insurance package I found that the price was the cheapest in my area for what was in the package.
Date: December 10, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Farm Bureau offers me coverage options to fit my needs. As my needs change, Farm Bureau works with me to adjust my coverage.
Date: November 16, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Farm Bureau makes it easy for me to keep my family safe. Their auto-payment options and easy-to-navigate website help me stay protected and get the information I need.
GEICO Home Insurance Reviews
Date: September 13, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Communication
I don't have much to say here, as I have not yet had a claim since I moved to this house. When I have had a question they are difficult to reach.
Date: July 25, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
I sometimes have a hard time getting information from this company. I went to them because their auto coverage is good, but they are not so good with their homeowner's policies.
Date: May 14, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I think the premium is too high. I tried to shop for other coverage but had limited options because I live in a rural area.
Date: May 03, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
This is a general home liability policy that covers all the hazards faced: fire, windstorm, slip, and fall, etc. We live in a rural area.
Progressive Home Insurance Reviews
Date: October 20, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
My premium and deductible for the same coverage that I priced through 5 other companies was lower. Service has been outstanding.