Wichita, KS Homeowners Insurance Rate Quotes!

In the great city of Wichita there are 382,368 people living in a variety of different property types. Some of you in Wichita are building your first single-family home. While others are looking for affordable home insurance quotes on your existing home or condo. While there are about 6,255 homes in the Wichita area, many of the ones that are currently occupied are in need of lower rates and better home insurance coverage. In the majority of these Wichita neighborhoods, the average family size is around 3 residents per house.

In Wichita, the average income per household is around $65,723. While this is a fairly high number, it is slightly below the national median. Luckily, the cost of owning a home in Wichita is fairly cheap, the average home price on the real estate market today is $157,646. Many residents living in Wichita like to use our online home insurance shopping service to get upfront rates before buying there first home. If you are shopping for a house, simply use our online quoting application to compare multiple rates for each "dream" house on your list. Our free consultation process helps you quickly review the best carrier and premium so you know the exact cost of home insurance. Some carriers are competitive in different areas, so if you are thinking about certain zip codes in Wichita, we help you decide which home will have the most affordable rates.

Wichita, KS Demographics and Household Facts

The city of Wichita is roughly around 382,368 residents in population growth with 151818 occupied homes within the city of Wichita. The average family household in Wichita is 94862.

Demographic	Values
Population	382,368
Total Occupied Homes	151818
Family Households (families)	94862
Average Owner Occupied Household Size	2.62
Average Family Size	3.14
Total Housing Units	167310

Home Insurance In Wichita Is Lower Than Expected - Review Averages!

With the local real estate market booming, what better way to shop rates and coverages than with us at GetHomeInsuranceQuotes.com of Wichita. Average rates are around $1,126 per year. You can get rates as low as $876 per year. Larger homes in this area pay around $1,426 per year due to higher replacement cost coverage also known as dwelling coverage. This helps cover your expenses if you ever need to rely on your insurance company to replace or rebuild your home. This compares very favorably with the national average, which is $1,311 according to the latest data.

Kansas is now ranked number 14 in the United States for annual home insurance rates.

When it comes to Kansas home insurance, there are a variety of different policy types and each one is written for a certain type of home, condo or apartment. Having the right policy type is key to protecting your most valuable investment, your home.

Here is some information about the most common home insurance types in Wichita:

Type	Description
HO-3	The HO-3 is the most common type of home insurance coverage. The majority of homeowners carry this type of policy and it covers damage that is caused by all perils unless they are excluded within the policy. Damages that are caused by floods or earthquakes is always excluded on an HO-3 policy but there can be other exclusions as well. Make sure you ask the right questions and take the time to review your policy so you know what is covered.
HO-6	Condos are a very popular housing option in Wichita. In addition to condos, it also protects co-ops. This insurance offers coverage for your personal belongings as well as the components of the building that you actually own.
HO-8	Wichita is lucky to have a fair number of historical homes and if you own one, you may need a HO-8 policy. These policy types are specific to older homes where the replacement cost of the house may actually exceed the cash value of the home. These policies are affordable because the payout levels are less than the actual replacement cost of the house. In most cases, the need for an HO-8 policy arises when the house is more than 40 years old and doesn’t qualify for a HO-3 policy. These policies only cover 11 perils.
HO-4	This policy type was designed for people that rent an apartment. It is often referred to as renters insurance. An HO-4 policy will pay out for damage to your personal property in your apartment and it also offers liability protection in the event that someone is injured in your apartment.

Compare Homeowners Insurance Rates in Wichita, KS!

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Average Rates Nearby Wichita

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

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

67202, 67203, 67204, 67205, 67206, 67207, 67208, 67209, 67210, 67211, 67212, 67213, 67214, 67215, 67216, 67217, 67218, 67219, 67220, 67223, 67226, 67227, 67228, 67230, 67232, 67235,

Wichita, KS Home Insurance Average Premiums

Local Wichita, KS home insurance quotes comparison

$876 /yr.

Shows Wichita's lowest average rates with discounts applied.

For the city of Wichita, 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)	$876 /yr.
Average Coverage:	$1126 /yr.
2600 sq. ft. or higher (all discounts applied)	$1426 /yr.

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

• The average homeowners insurance premium paid annually for a home in Wichita is around $1126 per year.

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

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

Wichita, KS - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$185,356	$170,052
February	$186,897	$172,216
March	$188,319	$174,514
April	$188,765	$176,456

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

Saving Money Tips on Wichita Home Insurance

A great way to save money on Wichita 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 Wichita 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
1340 ft.	This is the average home elevation in Wichita, 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 Wichita, 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 Sedgwick County.

Kansas Homeowners Insurance News & Information

Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025
As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]
2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

Wichita, KS Dwelling Coverage Estimate

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

- The average square footage in Wichita is around 1,251 Sq. Ft. which would cost you around $157,646 to replace the home if you base the home on the price to build per square foot of $126.

Minimum Replacement Cost Total: $157,646

Location: Wichita, Kansas (Sedgwick County)

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

Average Square Footage in Wichita: 1,251 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$126	$157,646
Some Additional Upgrades	$158	$197,058
Major Home Updates or Advancements	$189	$236,469

Calculate Your Wichita, KS Dwelling Coverage

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