Shawnee, KS Home Insurance Quotes!

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Shawnee homeowners, if you are looking for competitive rates that are affordable then easily shop up to 12 Kansas home insurance quotes today with GetHomeInsuranceQuotes.com. Because we only take a few minutes of your time to request quotes from us, we begin the shopping process. Our online quoting system allows you to enjoy the hassle free, secure opportunity to get the quotes you need fast. We also offer professional advice and free consultation so that our Shawnee, KS licensed home insurance agent can help you determine which home insurance carrier and coverage option is right for you and your family.

Homeowners Insurance Rates in Shawnee

Home insurance rates for your home in Shawnee will vary depending on many factors including location, risk, upkeep, liability and so much more. Homeowners in your local area are paying around $816 per year up to rates as high as $1,366 a year for a standard HO-3 homeowners policy. Most customers are seeing rates in the middle range around $1,066 per year or $89 per month. We can help you shop lower rates and apply all availble discounts to help save on your insurance cost.

If you compare local rates to rates throughout the state, the average premium is around $1,478 for homeowners insurance coverage on average, where the majority of the countries home insurance premiums are around $1,311. These average homeowners 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.

Getting Multiple Shawnee Quotes & Save!

Shopping online for home insurance in Kansas is much easier when you can compare multiple homeowners insurance rates at once. We realize time is a very important factor when looking for cheaper rates. Some homeowners are very urgent to save more on there annual premium. Other homeowners are in the last stage of the new home buying process and need finalize a home insurance policy immediately. Since the average Kansas home insurance rate is $1,478. Our quoting system allows you to save up to 40% on your home insurance premium. Plus, we will consider all the home insurance discount options, which would allow you to benefit additional savings with better coverage features and packages.

Let us help you save more, start your only home insurance quote today or give us a Call at 1-913-276-4017.

Shawnee, KS Housing & City Data

SourceValue
Location:Shawnee, KS (JOHNSON County)
Population:62,209
Occupied Residents:154,230
Average Real Estate Value Per Zip Code:$255,879

Compare Homeowners Insurance Rates in Shawnee, KS!

Enter your Zip Code:    

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

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

Average Rates Nearby Shawnee

Are you looking for homeowners insurance in a city near Shawnee? 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 Shawnee, KS

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

66203,     66216,     66217,     66218,     66226,     

Shawnee, KS Home Insurance Average Premiums

Local Shawnee, KS home insurance quotes comparison

$816 /yr.

Shows Shawnee's lowest average rates with discounts applied.

For the city of Shawnee, 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)
$816 /yr.
Average Coverage:$1066 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1366 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Shawnee is around $1066 per year.

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

  • • Homeowners in Shawnee pay an average cost per month around $89.00 for insurance coverage.

Shawnee, KS - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $373,359 $350,362
February $373,647 $355,605
March $374,699 $361,807
April $376,055 $367,315

Homeowners insurance will help cover the cost to repair or replace your Shawnee 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 Shawnee
  • 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 Shawnee, KS homeowners insurance rates all in one place!

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

Saving Money Tips on Shawnee Home Insurance

A great way to save money on Shawnee 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 Shawnee 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
908 ft. This is the average home elevation in Shawnee, 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 Shawnee, 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 Johnson County.

Kansas Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Shawnee, KS Dwelling Coverage Estimate

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

- The average square footage in Shawnee is around 2,031 Sq. Ft. which would cost you around $255,879 to replace the home if you base the home on the price to build per square foot of $126.

Minimum Replacement Cost Total: $255,879

Location: Shawnee, Kansas (Johnson County)

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

Average Square Footage in Shawnee: 2,031 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$126$255,879
Some Additional Upgrades$158$319,848
Major Home Updates or Advancements$189$383,818

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