Lawrence Homeowners Insurance

Your Complete Guide to Lawrence, KS Homeowners Insurance

Find the right home insurance policy for you.

Lawrence Kansas homeowners insurance

Founded in the 1850s, Lawrence has grown into a city with a passion for its community. If you’re one of the city's 96,892 residents and have purchased a home here, make sure to protect it with a reliable homeowners insurance policy.

An independent insurance agent can help you find an affordable policy. They’re not tied down to one insurer, so they’ll compare with numerous companies to find you a competitive rate. Connect with an independent agent to get started.

How Much Does Homeowners Insurance Cost in Lawrence, KS?

The cost of home insurance in Kansas is usually more expensive than the national average. This state is rated as having the fifth most expensive premiums in the US.

  • National average yearly premium: $1,211
  • Kansas average yearly premium: $ 1,584

Your exact quote will look different from your neighbors because insurers use specific factors about you. That means that your rate could be above or below the state and national averages.

Risk factors the carriers look for:

  • Your claims history
  • The amount of coverage you purchase
  • Your credit score
  • Local crime in the area
  • The materials your home is made of, the year it was built, and its square footage

Shopping for home insurance can be complicated. Let an independent insurance agent help guide you through the process.

Will Your Lawrence, KS Homeowners Insurance Cover Property Crime?

Burglaries happen in every city, but the good news is that your home insurance will help cover costs when it happens.

  • Number of burglaries per 100,000 homes in the US: 376.00
  • Number of burglaries per 100,000 homes in Kansas: 430.60
  • Number of burglaries per 100,000 homes in Lawrence: 547.6

The crime rate in Lawrence is much higher than the state and national averages. Your rate could be impacted depending on your other risk factors. An independent agent will work with you to help find a policy that will fit your budget. Chat with an agent to see how crime will affect your quote.

Will Your Lawrence, KS, Homeowners Insurance Have Liability Coverage?

Your home insurance policy will come with homeowners liability coverage. This will help cover legal fees if a lawsuit occurs because of your negligence.

Your liability insurance will cover:

  • If a person gets injured on your property
  • If a household member causes injury or property damage to another party
  • If your pet harms a person or property
  • If a household member is sued for slander

Your liability coverage has a limit, and once it has reached, the rest of the expenses become your responsibility. You may want to consider purchasing additional liability coverage, or an umbrella policy. This will provide coverage above and beyond your underlying home and auto liability limits. Enlist an agent to help you find your coverage options.

What Risks Do You face as a Lawrence, KS Homeowner?

When severe storms and tornados damage your Lawrence home, your home insurance policy will be there to help you out. This coverage is there to protect you financially, so you won’t have to pay out of pocket.

Catastrophic events in Kansas:

  • Number of federally declared catastrophes: 79
  • Most common disasters: Severe storms
  • Number of tornados per year: 96
  • Homeowners claims paid in 2016: $537,799,000

Make sure you have reliable protection when a natural disaster strikes. This could save you from paying thousands of dollars for damage. An independent agent can help you find the home policy you need.

Do You Need Flood Insurance in Lawrence, KS?

Flooding is the second-highest risk you face as a homeowner in Lawrence. Your home insurance policy does not cover any damage that was caused by floods. For that, you’ll need to invest in a flood insurance policy

This policy will help with debris removal, replace carpeting and appliances, and cover damage that your home’s foundation sustained. An independent agent can help you get a quote through FEMA-approved carriers.

Find Affordable Homeowners Insurance in Lawrence, KS

A home insurance policy will keep you financially protected when damage occurs. When you work with an independent insurance agent, they’ll help you find the coverage you need at a price that fits your budget. Make it simple, enlist an agent to help you find your home insurance policy.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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