Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Lawrence

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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.

60

Reviewed

39

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
917 Iowa Street, Lawrence, KS 66044
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Free State Insurance Agency is an independent insurance solutions agency in Lawrence, Kansas. The company deals with various personal and business insurance needs and offers a comprehensive homeowners' insurance policy. Its homeowners' insurance policy covers dwellings, personal property inside the dwellings, living expenses (loss of use), and homeowners' liability. It also offers expanded coverage for specific hazards and risks such as earthquakes, floods as well as high-value possessions such as jewelry, art, and rare items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (17)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2711 West 6th Street, Lawrence, KS 66049
  • Multiple Carriers
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2153 SE California Ave., Topeka, KS 66605
  • Personal Property Insurance
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
305 East 7th Street, Lawrence, KS 66044
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1225 East 23rd, Lawrence, KS 66049
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3109 West 6th Street, Lawrence, KS 66049
  • Fire
  • Personal Property Insurance

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1011 Westdale Road, Lawrence, KS 66049
  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Earthquake
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
111 South Main Street, Ottawa, KS 66067
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (22)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • 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.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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