Get Randolph, KS Home Insurance Rates!

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Did you know that comparing home insurance near Randolph, KS just got easier? At GetHomeInsuranceQuotes.com, we provide excellent quoting services when it comes to getting cheaper rates with enhanced coverage options and lower prices. Our carriers are rated "A+" by A.M. Best and most of all they are brand names you can trust like Nationwide, Safeco Insurance, Liberty Mutual, Progressive Insurance and so many more.

The good news is that lower rates are available for homeowners living in Kansas so it's important to work with a specialized Randolph insurance agent that knows the best carrier that's right for you and your family.

Great Facts About Randolph, KS

Randolph has now reached over 163 residents in population size with 71 homes within the city of Randolph. The average family size in Randolph is around 43. With the local population increasing in Randolph, it's important to make sure your home has the proper coverage and protection you need for your family. Please visit the links below to help you find out better ways to save on your insurance:

  1. Home Insurance Discounts
  2. Setting Your Deductibles as High as Possible is a Moneysaver
  3. Top 5 Home Improvements That Can Save You Money on Your Home Insurance
DemographicValues
Population163
Total Occupied Households71
Family Households (families)43
Average Owner Occupied Household Size2.21
Average Family Size3.00
Total Housing Units82

Homeowners Insurance in Randolph: What You Need To Know!

When reviewing home insurance locally, Randolph homeowners are finding ways to save up to 40% or more when they shop and compare rates online.

A frequently asked question that we get from homeowners based out of Randolph, usually have to do with comparing premium payments, monthly and annually for residents living in RILEY County. Did you know that Kansas may not be the most expensive state in the country to purchase a homeowners policy, however it does rank higher than average at a national rank of 14. Residents of Randolph, KS are currently paying $1478 per year for home insurance coverage on average, where the majority of the United States premiums are around $1311 per year. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Compare Homeowners Insurance Rates in Randolph, KS!

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Get up to 12 competitive Randolph, KS homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Randolph, KS rates all in one place!

Average Rates Nearby Randolph

Are you looking for homeowners insurance in a city near Randolph? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Randolph, KS

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Randolph.

66554,     

Randolph, KS Home Insurance Average Premiums

Local Randolph, KS home insurance quotes comparison

$872 /yr.

Shows Randolph's lowest average rates with discounts applied.

For the city of Randolph, 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)
$872 /yr.
Average Coverage:$1122 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1422 /yr.

What is the average home insurance cost for a home in Randolph, KS?

  • • The average homeowners insurance premium paid annually for a home in Randolph is around $1122 per year.

What does it cost on average per month for home insurance in Randolph, KS?

  • • Homeowners in Randolph pay an average cost per month around $94.00 for insurance coverage.

Randolph, KS - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $213,296 $183,931
February $214,957 $189,569
March $221,973 $196,169
April $236,132 $202,662

Homeowners insurance will help cover the cost to repair or replace your Randolph 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 Randolph
  • 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.
Enter your Zip Code:    

Get up to 12 competitive Randolph, KS homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Randolph, KS rates all in one place!

Saving Money Tips on Randolph Home Insurance

A great way to save money on Randolph 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 Randolph 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
1099 ft. This is the average home elevation in Randolph, 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 Randolph, 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 Riley County.

Kansas Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • Is Homeowners Insurance Part of Your New Years Resolution? Posted on Wednesday 31st January, 2024

    The New Year is here for 2024, and you have probably made a list of resolutions involving everything from eating better to losing a bit of weight. One thing that should be on everyone’s list is a review and update of their homeowners policy. The beginning of the year is a great time to pull […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

  • Shopping For Coastal NC Home Insurance Posted on Friday 19th January, 2024

    Getting an affordable home insurance policy is crucial when shopping for home insurance online, especially if your home is considered to be in a flood zone. Most homes that are in a flood zone are near the coast, like the Outer Banks of North Carolina. Major cities along the North Carolina coast like Calabash, Oak […]

Randolph, KS Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Randolph 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 Randolph, KS?

- The average square footage in Randolph is around 1,360 Sq. Ft. which would cost you around $171,400 to replace the home if you base the home on the price to build per square foot of $126.

Minimum Replacement Cost Total: $171,400

Location: Randolph, Kansas (Riley County)

Average Building Cost Per Square Foot in Randolph: $126 (low end)

Average Square Footage in Randolph: 1,360 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$126$171,400
Some Additional Upgrades$158$214,250
Major Home Updates or Advancements$189$257,100

The dwelling coverage is calculated by the average cost per square foot ($126) in Randolph, 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.