Hope, KS Homeowners Insurance Rate Quotes!

If you are in need of lower rates for homes in the Hope area, then we have competitive rates available for all homeowners living nearby. We can compare up to 12 affordable Hope, KS rates and enhanced coverage options including coverage for fire, lightning, high winds, theft and falling objects like trees and power lines. A standard Hope, KS homeowners policy can certainly help protect your home, but you will need an additional coverage for flooding or even wind and hail damage depending on the location of your home. Our job at GetHomeInsuranceQuotes.com is to help you get the quotes you need all from one place. Our hassle free online home insurance quoting process will allow you to quickly see which companies have the best Hope home insurance rates available for your home. You can start by entering the zip code of your property address or you can give us a call now at 1-913-276-4017.

Average Hope Home Insurance Rates Review

In Hope, the average population size is around 368. There are over 830 occupied residents living within the Hope city limits. For home affordability, the average home value per zip code in Hope is around $84,000. The average homeowners insurance premium for a basic HO-3 policy is currently estimated around $1,100 per year, while the national average is at $1,311. You can get rates as low as $850 per year depending on the age of your home, the heated square footage and available discounts. If your homeowners insurance premium in Hope has increased due to claims history, construction type or coverage limits and your current rate is above the state average of $1,478, then you may want to shop your policy to see if we can provide more affodable rates. Let us help you evaluate your coverage options and get the lowest premium possible with the best coverage protection.

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Average Rates Nearby Hope

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

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

67451,     

Hope, KS Home Insurance Average Premiums

$850 /yr.

For the city of Hope, 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.

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

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

Hope, KS - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Hope 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:

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

Saving Money Tips on Hope Home Insurance

A great way to save money on Hope 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:

Are you shopping for the best rate near or wihin the Hope area? Check out what homeowners are paying on average for Kansas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

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 Hope, 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 Dickinson County.

Kansas Homeowners Insurance News & Information

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 […]

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 […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

Hope, KS Dwelling Coverage Estimate

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

- The average square footage in Hope is around 667 Sq. Ft. which would cost you around $84,000 to replace the home if you base the home on the price to build per square foot of $126.

Minimum Replacement Cost Total: $84,000

Location: Hope, Kansas (Dickinson County)

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

Average Square Footage in Hope: 667 Sq. Ft.

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

Hope, KS Home Insurance Quotes!

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