Home Insurance in Shawnee

Welcome to the American Midwest with home insurance in Shawnee.
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Shawnee, KS, is a beautiful place to live. Located just 12 miles southwest of Kansas City, there is plenty to do in and around town. Those who enjoy solving mysteries may enjoy the Crime Solving Detective Experience in Shawnee. Foodies may consider taking the KC BBQ Tour, where you'll likely eat some of the best BBQ you've ever had. Whether you are home or away, having home insurance in Shawnee protects you from the unpredictabilities of life.

Shawnee Weather

Shawnee experiences a variety of weather year-round, and is a place of many different weather patterns and all four seasons. Summers are hot and humid, with the average daily temperature being 80 degrees or higher. Winters are cold and sometimes snowy, with temperatures rarely going above 50, with several cold spells being common. Late spring often brings strong thunderstorms, which can bring about severe weather, such as hail, wind and tornadoes. These storms can damage your roof, break windows and knock out power lines. 

Crime in Shawnee

Thankfully, Shawnee is considered a safe place to live. The rate of violent crimes is one in 389, lower than both the state and national average, while the rate of property crimes is one in 57. No matter where you live, there is always a chance that you will be a victim of a crime. This highlights the importance of having home insurance in Shawnee in case of a robbery, theft or burglary.

Home Insurance Rates

The home insurance rate in Shawnee is about $2,441 annually. This is lower than the state average but higher than the national average. The main reason that insurance tends to be higher in Kansas is because of the risk of catastrophic storm events. In fact, Kansas has the second highest insurance rates in America, second only to Oklahoma. 

Tips for Lowering Insurance Premiums

With the high insurance rates in Kansas, you may want to find ways to lower your rate. You can do a few things to ensure you are getting the lowest rates.

  1. Shop Around: There is no one-size-fits-all insurance company, so comparing rates between companies with VIU by Hub is essential. This will help you find the best rate for you.
  2. Bundle Policies: Bundling your home and auto insurance into one policy often comes with discounts.
  3. Raise Your Deductible: A lower deductible will likely lead to a higher rate. Consider raising your deductible if you're looking to lower your rate.
  4. Improve Your Credit: People with high credit scores often pay lower premiums as they are considered less risky. Prioritize improving your credit to save money on your premium.
  5. Check Your Coverage: You may be paying more than you need to, so check your coverages to ensure they fit your needs.

Other things impacting your rate include your home's value, location and age.

Types of Homeowner's Insurance

There are multiple levels of home insurance in Shawnee. The lowest level, called HO-1, only covers specifically listed perils. An HO-2 policy will go a step further and cover additional perils. HO-3 policies are the most common, covering everything except specifically listed items. Finally, HO-5 offers the most coverage by providing the replacement value rather than the cash value of your home.

Having home insurance in Shawnee is the best way to protect your home and belongings from catastrophe. Comparing quotes with VIU by HUB allows you to see coverages side by side, ensuring you find the right one for you.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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