besthome insuranceTopekaThe Best Cheap Homeowners Insurance in Topeka, Kansas for 2023: Quotes and Reviews
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besthome insuranceTopekaThe Cheapest and Best Homeowners Insurance in Topeka
Cheapest homeowners insurance in Topeka - Auto-Owners and American National
The Cheapest Home Insurance Companies in Topeka
Because most insurers offer the same core coverages at varying prices, Topeka homeowners should consider cost when choosing a policy. MoneyGeek’s research shows that the following companies offer the cheapest homeowners insurance in Topeka:
- Auto-Owners Insurance Co: $1,039 per year
- Travelers: $1,145 per year
For those with more expensive homes, we also researched companies that offer policies with $2 million in dwelling coverage, and the following are the cheapest:
- Farmers: $8,943 per year
- Travelers: $13,132 per year
The second cheapest is USAA, but the company offers policies only to veterans and military families.
You can adjust the dwelling coverage limits in the table below to see how prices change.
The Cheapest Home Insurance in Topeka, Ranked
Dwelling Coverage:
$100,000
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All policies with the initial baseline dwelling coverage have personal property limits of $400,000, and all policies with dwelling coverage of $2 million have personal property limits of $800,000. They all offer liability coverage limits of $100,000.
If you’re not a resident of Topeka, you can look up home insurance in Kansas for more information.
The Average Cost of Homeowners Insurance in Topeka for 2022
Topeka$1,761
Kansas$2,878
U.S.$2,103
The average cost of homeowners insurance in Topeka is $1,761 per year. This cost is $1,117 less than the state average, and $342 less than the national average.
Calculate the Cost of Home Insurance in Topeka
Where you live in the state plays an important role in determining your home insurance rates. Insurance companies also consider your dwelling coverage needs, personal property coverage limits, credit score and many other factors before giving you a home insurance quote in Topeka. You can use MoneyGeek’s calculator to estimate your homeowners insurance cost.
Home Insurance Calculator
State
Kansas
Dwelling Coverage
$100,000
Deductible
$500
Liability
$300,000
Personal Property
$20,000
Credit Score
Excellent
low end
on average
high end
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Topeka
While shopping for home insurance in Topeka, you should look beyond the policy’s cost. It’s also important to analyze a company’s financial stability and customer service ratings. Chances are you’ll be filing a claim during a stressful time, and you’ll want your insurer to process it quickly and fairly. MoneyGeek’s data shows that the following companies offer the best home insurance in the Topeka:
- Best Overall: USAA
- Runner-up: Auto-Owners Insurance Co
We ranked home insurance companies in Topeka based on affordability, user satisfaction and financial stability.
1
USAA
Score:97
USAA charges $1,475 per year for a home insurance policy. The company has the highest customer service and financial stability scores, and ranks fourth for affordability. It offers home rental coverage.
More About USAA
USAA’s home rental coverage protects you and your guests when you rent out a room or your entire house. The company also offers earthquake coverage, which protects you against the cost of damages in case of an earthquake. These coverages are added to your policy for an extra cost.
Read MoneyGeek's USAA home Insurance Review2
Auto-Owners and American National
Score:97
A home insurance policy from Auto-Owners Insurance Co costs $1,039 per year. The company ranks the highest for affordability and stability and has the third-highest customer service rating. It offers service line coverage.
More About Auto-Owners and American National
Auto-Owners Insurance Co’s service line coverage helps you pay for damage to underground pipes or wires that connect your house to a utility source. The company also offers equipment breakdown coverage, which protects against the cost of repairing any equipment or appliance in your home due to electrical or mechanical failure.
Read MoneyGeek's Auto-Owners and American National home Insurance ReviewCheapest Home Insurance Companies in Topeka for Newly Constructed Homes
Newly constructed homes are generally cheaper to insure because they are built with modern materials, which are more resistant to damage and can be easily replaced. On average, a newly constructed home costs $1,089 to insure, compared to an average of $1,761 for a home built in 2000.
The following are the cheapest companies for insuring newly constructed homes in Topeka:
- Auto-Owners Insurance Co: $642 per year
- Travelers: $854 per year
USAA offers a policy for $733, but it is available only to military families.
The Cheapest Home Insurance in Topeka for New Homes, Ranked
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Cheapest Home Insurance Companies in Topeka if You Have a Lot of Personal Property
A homeowners insurance policy generally covers the personal items you keep in your home. If you want to insure a large amount of personal property, you will pay higher rates for a policy. In Topeka, it costs an average of $1,863 for personal property limits of $250,000 with our standard policy, compared to an average of $1,761 for $100,000 in personal property coverage limits.
According to MoneyGeek, the following companies offer the cheapest policies to homeowners who need higher personal property coverage:
- Auto-Owners Insurance Co: $1,098 per year
- Travelers: $1,171 per year
Cheap Companies in Topeka for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Topeka for High Deductibles
Your policy’s deductible also significantly impacts your home insurance cost. Your insurance premium is lower with a higher deductible, but you end up paying more out of pocket when you file a claim. On average, it costs $1,583 for a policy with a $2,000 deductible, compared to an average of $1,761 for a policy with a $1,000 deductible.
MoneyGeek’s research shows that the following companies offer the most affordable policies with higher deductibles:
- Travelers: $887 per year
- Auto-Owners Insurance Co: $934 per year
The Cheapest Companies in Topeka for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Topeka if You Have Poor Credit
Insurance companies analyze your credit score before giving you a home insurance quote in Topeka. If you have a poor credit score, your homeowners insurance policy will cost more. On average, home insurance costs $2,866 if you have poor credit, compared to an average of $1,761 if you have good credit.
According to MoneyGeek, the following companies offer the cheapest policies for homeowners with a bad credit score:
- Auto-Owners Insurance Co: $1,039 per year
- Travelers: $1,540 per year
The Cheapest Companies in Topeka for Poor Credit, Ranked
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Getting Online Homeowners Insurance Quotes in Topeka
If you’re looking for an online home insurance quote in Topeka, you’ll need to provide the following information:
- The replacement cost of your home: How much would it cost to rebuild your home? Insurers use this number to determine your dwelling coverage limits. You can hire a building contractor or a construction professional to get an estimate of the replacement cost of your home.
- The value of your personal property: What is the cost of the personal items you keep in your home? Insurers use this amount to determine personal property coverage limits.
- Personal information: Insurers will need to know your address, the number of people in the household, insurance history and other details.
- Information about your house: The insurer will ask when your house was built, its size, information about any safety equipment and more.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Homeowners Insurance in Topeka Analysis: Methodology
MoneyGeek analyzed home insurance premiums from nine companies in Topeka, KS. The data used in this guide was provided in partnership with Quadrant and quotes were collected for a home with varying coverage levels to calculate affordability scores. The base profile was for a home with 2,500 square feet, built in 2000 with dwelling coverage of $100,000, personal property coverage of $40,000 and liability coverage of $100,000. The policies had a $1,000 deductible. We also collected quotes for newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores. The customer satisfaction ratings were drawn from J.D. Power surveys.
About Mark Fitzpatrick
