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Best Homeowners Insurance Agencies in Topeka

2024

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Providers

Last updated:

Website
2047 Southwest Topeka Boulevard, Topeka, KS 66612
  • Multiple Policy Types

Why choose this provider?

Integrity Insurance Agency Inc. is a Topeka company that offers various personal, business, and property insurance solutions to clients. The company provides home insurance policies that protect properties and possessions from disasters, theft, and other forms of damage. It also includes homeowners' liability protection which protects clients from liability for accidents within the property. Aside from the dwelling structure, its policies also cover detached units such as garages as well as personal belongings inside the property.

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.
4.8
Google
4.8 / 5 (66)
Facebook
5.0 / 5 (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
5855 Southwest 29th Street, Topeka, KS 66614
  • Multiple Policy Types

Why choose this provider?

Ryan Mohwinkle is a State Farm insurance agent who operates locally in the Topeka area. One of his main products is homeowners' insurance, which provides coverage for personal belongings and the dwelling itself in case of damage from natural or random causes. Mohwinkle focuses on helping homeowners make educated insurance decisions according to their risks and goals. He also deals with auto, property, business, and life insurance. A third-generation State Farm agent, Mohwinkle has been a full-time agent since 2003.

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
4.9 / 5 (15)

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
700 South Kansas Avenue, Topeka, KS 66603
  • Condos
  • Multiple Policy Types
  • Flood

Why choose this provider?

Capitol Agency discusses insurance policy options with residents and business property owners in Topeka and the neighboring areas. The agents help the clients find the right coverage options for their homes, apartments, condos, or rental properties and for the people and pets that live in the property. Each insurance policy differs on the coverages included and the relevant endorsements. Many policies also include liability protection from lawsuits.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
2220 Southeast 29th Street, Topeka, KS 66605
  • Renter's Insurance
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Becker Lassen Insurance Agency, Inc., is an independent homeowners' insurance agency that focuses on protecting the safe haven of the residents of Topeka and the surrounding areas. Its professional insurance staff represents various home insurance providers, which enables clients to choose their policy based on their budget, needs, and preferences. The agency's list of providers includes Acuity Insurance, Ohio Casualty, and Safeco Insurance. Other than home insurance, Becker Lassen Insurance Agency, Inc., also offers auto and business insurance plans.

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.
4.2
Google
4.0 / 5 (4)
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
2315 Northwest Topeka Boulevard, Topeka, KS 66608
  • Multiple Policy Types

Why choose this provider?

Kansas Insurance Inc. is an independent insurance agency serving clients in Topeka and the surrounding areas. It provides personalized policies catering to various property and residential security requirements of clients seeking homeowners' insurance. Its coverage options include homeowners' liability, renters' insurance, mobile home insurance, in-home business insurance, scheduled property insurance, and landlords' insurance. It also carries a broad selection of insurance products, such as recreational vehicle insurance, disability insurance, second-to-die policy, identity theft coverage, and farm 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.
4.6
Google
4.5 / 5 (15)
Facebook
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

Website
2900 Southwest Atwood Avenue, Topeka, KS 66614
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Roquet Insurance Agency is a full-service insurance agency serving individuals in Topeka. It offers homeowners' insurance policy that will cover a home or an apartment regardless of whether the client is an owner or a renter. The policy coverage includes the replacement of personal property damaged by fire or other disasters, as well as defense against a lawsuit from anyone injured in the home. It can be written on a named-perils or all-risk basis. The agency works with several insurance carriers.

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 (66)
Facebook
5.0 / 5 (2)

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
5909 Southwest 28th Street, Topeka, KS 66614
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire

Why choose this provider?

Copeland Insurance Agency is a family-operated firm that has been addressing the diverse insurance needs of Topeka residents since 1960. Its home insurance options provide financial compensation in case of property damage, losses, or liability claims and help safeguard homeowners' financial security. This coverage also includes legal expenses for liability defense lawsuits. The company's agents assist in the review of existing homeowners' insurance policies to ensure adequate protection from financial risks. Copeland Insurance Agency also offers life insurance products.

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.
4.6
Google
4.6 / 5 (10)

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
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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 is the basic coverage of homeowners insurance in Topeka?

    A standard homeowners insurance policy in Topeka covers the home's structure and other structures like a shed or garage. Second are the policy owner's personal belongings, which may include clothes, furniture, or electronics. Third is personal liability protection, which applies when a guest is injured on the policy owner's property or if their dog injures someone, for example. Lastly, it covers additional living expenses in the event the policy owner's home becomes uninhabitable.

  • Can you insure vacant or unoccupied homes in Topeka?

    You can insure vacant or unoccupied homes in Topeka, but it can be difficult, as damages could arise on these properties. Subsequent damage from the initial problem may cost a lot of money, which could have been prevented if someone lived on the property. This is the reason why insurance companies may be hesitant to insure vacant or unoccupied homes, but it is still possible.

  • What is the difference between "actual cash value" and "replacement cost" in homeowners insurance in Topeka?

    In homeowners insurance policies in Topeka, covered losses can be paid on either an actual cash value basis or on a replacement cost basis. In terms of actual cash value, policy owners are paid the depreciated value of the damaged property. On the other hand, policy owners are reimbursed the amount necessary to replace the property with one of similar type and quality at current prices with replacement cost coverage.

  • What factors do insurance companies in Topeka consider in determining the amount of homeowners insurance they offer a client?

    Some of the common factors insurance companies in Topeka consider in determining the amount of homeowners insurance they offer a client are the age of the house, its construction and materials used, swimming pool ownership, and the location, including the claims history of the area. Also, if an individual runs a business out of their home, the premiums for homeowners' insurance may increase.

  • Does homeowners insurance cover tornadoes in Topeka?

    Homeowners insurance plans generally have dwelling coverage, meaning if a tornado hits your home in Topeka, you may use your insurance to pay for the damages. Keep in mind that coverage only applies to internal damages if external damage is the root cause. You may need to purchase additional coverage for your home's interior.

  • 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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