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Best Homeowners Insurance Agencies in Lawrence

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alleninsurancetopekaks.com logo
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alleninsurancetopekaks.com

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

Business Description

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
Google
4.2 / 5 (23)
Facebook
5.0 / 5 (6)

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
CEK Insurance logo
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CEK Insurance

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

Business Description

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
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Edie Insurance Group logo
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Edie Insurance Group

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

Business Description

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
Free State Insurance logo
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Free State Insurance

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

Business Description

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
Gardner Insurance, LLC logo
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Gardner Insurance, LLC

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

Business Description

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)

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
Keith King - State Farm Insurance Agent logo
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Keith King - State Farm Insurance Agent

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

Business Description

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
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
Lawrence Insurance Company logo
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Lawrence Insurance Company

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

Business Description

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
Stephens Chapin Insurance logo
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Stephens Chapin Insurance

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

Business Description

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
Back to Providers

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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