Get Colony, KS Home Insurance Rates!
Colony, KS homeowners want a fast way to compare the best rates available on a local level. At GetHomeInsuranceQuotes.com, we help compare up to 12 competitive rates while considering enhanced coverage options, discounts, and ratings. Our top carriers in Colony have affordable home insurance prices available from branded insurers that you know and trust. Most of all, you can easily enjoy our hassle free quoting process all within one website. Let us help you shop and compare Colony homeowners insurance rates today, enter your Kansas zip code to start a free online quoting application process.
"What does home insurance cost near me?" For an HO-3, standard homeowners policy in the Colony area, you are looking to pay around $1,478 per year on average, per month, the cost is only around $123. Customers can save up to 40% or more when we help you shop the best rate and coverage option. Cheaper rates are available, but most of the time, low rates have limited coverage protection. Our free consulting process allows you to view all the necessary enhanced coverage features, plus added discounts and deductible options.
Compare Homeowners Insurance Rates in Colony, KS!
Get up to 12 competitive Colony, KS homeowners insurance rates all in one place! |
Average Rates Nearby Colony
Are you looking for homeowners insurance in a city near Colony? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
- Centerville, KS Home Insurance Quotes
- Garnett, KS Home Insurance Quotes
- Greeley, KS Home Insurance Quotes
- Kincaid, KS Home Insurance Quotes
- Welda, KS Home Insurance Quotes
- Westphalia, KS Home Insurance Quotes
Home Insurance Rates by Zipcode in Colony, KS
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Colony.
Colony, KS Home Insurance Average Premiums
$850 /yr.
For the city of Colony, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $850 /yr. |
| Average Coverage: | $1100 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1400 /yr. |
What is the average home insurance cost for a home in Colony, KS?
- • The average homeowners insurance premium paid annually for a home in Colony is around $1100 per year.
What does it cost on average per month for home insurance in Colony, KS?
- • Homeowners in Colony pay an average cost per month around $92.00 for insurance coverage.
Colony, KS - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $128,570 | $111,195 |
| February | $130,884 | $114,163 |
| March | $134,988 | $118,314 |
| April | $139,912 | $122,033 |
Homeowners insurance will help cover the cost to repair or replace your Colony home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Colony
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Colony, KS homeowners insurance rates all in one place! |
Saving Money Tips on Colony Home Insurance
A great way to save money on Colony homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Colony area? Check out what homeowners are paying on average for Kansas homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 1094 ft. | This is the average home elevation in Colony, KS | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Kansas flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Colony, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Anderson County.
Kansas Homeowners Insurance News & Information
-
How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
-
5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]
-
Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025
According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year. The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]
-
Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
-
What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
Colony, KS Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Colony so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Colony, KS?
- The average square footage in Colony is around 733 Sq. Ft. which would cost you around $92,400 to replace the home if you base the home on the price to build per square foot of $126.
Minimum Replacement Cost Total: $92,400
Location: Colony, Kansas (Anderson County)
Average Building Cost Per Square Foot in Colony: $126 (low end)
Average Square Footage in Colony: 733 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $126 | $92,400 |
| Some Additional Upgrades | $158 | $115,500 |
| Major Home Updates or Advancements | $189 | $138,600 |
The dwelling coverage is calculated by the average cost per square foot ($126) in Colony, Kansas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $393,750 (Media price to build of $158 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.