Average homeowners insurance cost in Topeka, KS

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The average cost of homeowners insurance in Topeka is $4,481 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,899 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Topeka depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Topeka, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Topeka.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Topeka.

Key takeaways

The cost of your homeowners insurance policy in Topeka can vary based on factors such as your location, the value of your home, and the coverage options you select.
Shelter Insurance is the cheapest homeowners insurance company in Topeka with an average annual premium of $3,035.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $1,184 more, annually for home insurance.

Average homeowners insurance cost in Topeka per month

Topeka homeowners pay an average of $373 a month, based on our rate analysis. It’s $29 less than the state average of $402 and $158 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Topeka may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Topeka

In Topeka, KS, homeowners pay an average of $3,297 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Topeka

As per rate analysis by Insure.com, homeowners residing in Topeka typically pay an average of $4,481 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $1,184 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Topeka by company

Among the carriers analyzed, Shelter Insurance is the most affordable homeowners insurance company in Topeka. It’s average annual rate for homeowners in Topeka is $3,035.

State Farm, ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $3,182.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Topeka and compiled a list of the most affordable home insurance companies.

Below are details of Topeka home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Shelter Insurance	$3,035
State Farm	$3,035
Allstate	$3,182
American Family	$3,762
Iowa Farm bureau	$3,916
Farmers	$4,619
Nationwide	$7,082

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Topeka for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.