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Best Homeowners Insurance Agencies in Lawrence, KS

Our Recommended Top 7

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Lawrence homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

59Reviewed

38Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Lawrence
2711 West 6th Street, Lawrence, KS 66049

Expertise.com Rating

Review Sources

Google
4.7 (18)
Facebook
5.0 (6)

Why choose this provider?

Stephens Chapin Insurance caters to residents in the Lawrence area that want to secure their properties financially against risks such as floods, theft, and natural disasters. The insurance services firm assists homeowners in identifying suitable policies for properties including dwellings, personal items, and detached structures. Stephens Chapin Insurance also addresses liability matters associated with injuries to guests that are under the homeowner's responsibility. The agency has been providing insurance support to the northeast Kansas region since 1978.

  • Multiple Policy Types
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Lawrence
1225 East 23rd, Lawrence, KS 66049

Expertise.com Rating

Review Sources

Google
4.4 (22)
Yelp
5.0 (1)

Why choose this provider?

Lawrence Insurance Company helps its clients find the most suitable homeowners' insurance policy to meet their needs. The Lawrence-based independent insurance agency gives clients the option to get a comprehensive insurance policy to financially cover losses due to unexpected events. The policy can also cover any liabilities in case someone gets injured inside the clients' property. Moreover, the clients can also add other coverages to their basic insurance policy, including flood or earthquake insurance.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Lawrence
111 South Main Street, Ottawa, KS 66067

Expertise.com Rating

Review Sources

Google
4.8 (31)
Facebook
4.4 (17)
Yelp
3.4 (10)

Why choose this provider?

Keith King is a State Farm Insurance agent who's provided comprehensive coverage options for homeowners for more than 10 years. Mr. King reviews each client's unique situation in order to deliver the protection needed for the structure and contents as well as liability and damage caused by household pets. His State Farm agency also protects condo and manufactured home owners in addition to providing business, auto, health, and life insurance.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Lawrence
2153 SE California Ave., Topeka, KS 66605

Expertise.com Rating

Review Sources

Google
4.1 (27)
Facebook
4.3 (11)

Why choose this provider?

Allen Insurance Associates Inc. has delivered personalized homeowners insurance options for more than 49 years. The independent agency's team works with top carriers to provide the most comprehensive coverage available. The company's professionals review property with clients to determine the appropriate protection for the structure and personal possessions against weather damage, theft and vandalism, and liability. Allen Insurance Associates also provides insurance for condo owners and renters. Other policies include business, life, and auto.

  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Lawrence
305 East 7th Street, Lawrence, KS 66044

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
5.0 (5)

Why choose this provider?

Gardner Insurance, LLC, is an independent insurance agency based in Lawrence. The agency helps clients find homeowners' insurance policies with the type of coverage they need to protect themselves financially from property damages and losses due to incidents such as natural disasters, theft, and vandalism. Homeowners' insurance is offered for property owners, whether they own a house or other residence types. Gardner Insurance, LLC, represents major insurance carriers including Progressive, MetLife, Hagerty, Safeco Insurance, Foremost Insurance Group, Travelers, and Target Insurance Services, Inc.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Lawrence
3109 West 6th Street, Lawrence, KS 66049

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (16)

Why choose this provider?

Edie Insurance Group has provided homeowners insurance options in Lawrence for more than 11 years. The independent agency works with multiple insurance carriers to deliver the most comprehensive protection for its clients' unique needs. Its licensed agents evaluate such concerns as the structure, its contents, and types of pets. They review standard insurance coverage for natural disasters and loss due to theft or vandalism as well as liability. Edie Insurance Group also provides insurance protection for condo owners.

  • Fire
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Lawrence
1011 Westdale Road, Lawrence, KS 66049

Expertise.com Rating

Why choose this provider?

CEK Insurance is a full-service independent agency that's provided personalized homeowners insurance options in Lawrence since 1931. The company's licensed agents represent multiple carriers to deliver the necessary protection against such damaging events as fire and theft or vandalism. They value personal contents and assess appropriate liability protection as well as adequate medical and emergency living expenses. CEK Insurance also offers condo owners insurance options. The company's other policies include business, auto, and life.

  • Personal Property Insurance
  • Flood
  • Earthquake

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Stephens Chapin Insurance
2711 West 6th Street, Lawrence, KS 66049
Lawrence Insurance Company
1225 East 23rd, Lawrence, KS 66049
Keith King - State Farm Insurance Agent
111 South Main Street, Ottawa, KS 66067
alleninsurancetopekaks.com
2153 SE California Ave., Topeka, KS 66605
Gardner Insurance, LLC
305 East 7th Street, Lawrence, KS 66044
Edie Insurance Group
3109 West 6th Street, Lawrence, KS 66049
CEK Insurance
1011 Westdale Road, Lawrence, KS 66049

Lawrence, KS Homeowners Insurance Agency FAQs

  • When is an ordinance or law coverage add-on applicable to a homeowner in Lawrence?

    Ordinance or law coverage is applicable for Lawrence residents when they require safeguarding against unforeseen costs that might emerge when adhering to building codes and regulations. This pertains to particular modifications in local laws, regulations, and ordinances that mandate homeowners to repair or reconstruct their houses. Typically, ordinance coverage addresses issues such as demolition, diminished property value, and heightened construction expenses.

  • Do homeowners' insurance in Lawrence cover service lines?

    No. Typically, standard homeowners' insurance in Lawrence does not cover damage to service lines connected to a residence. However, residents can supplement their existing insurance with a service line endorsement. This additional coverage would handle the costs of fixing damages resulting from deterioration, corrosion, or ground parching affecting different underground service lines, such as sewage systems, water pipes, electrical wiring, and fiber optic cables.

  • What are the disasters that are not automatically covered in a homeowners' insurance policy in Lawrence?

    In a Lawrence homeowners' insurance plan, there are three categories of disaster that are not automatically included: floods, earthquakes, and acts of terrorism. Individuals can purchase separate insurance policies for earthquake and flood coverage, or alternatively, they can consider adding ordinance or law coverage. Protection from acts of terrorism is already covered by certain insurance policies. However, policyholders need to verify if it is integrated into their existing coverage.

  • How does inflation impact home insurance premiums in Lawrence?

    Inflation results in the escalation of housing prices, prompting insurance firms in Lawrence to provide larger payouts to policyholders. To counter the potential for economic uncertainty, these companies raise the premiums required of individuals. Furthermore, they must further raise these premiums to preemptively address potential forthcoming expenses driven by anticipated inflationary influences.

  • What is the average annual homeowners' insurance cost in Lawrence?

    In Lawrence, the annual premium for homeowners' insurance is $1,571, derived from an average home valuation of $191,500. This exceeds the national average of $1,211. Despite the higher premium, it aids homeowners in safeguarding their residences against break-ins. Trusted Choice data reveals that Lawrence experiences more burglaries than the national average, with 5.4 incidents per 1,000 homes, in contrast to the standard 3.76.

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