Home Insurance in Manhattan, KS

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The Importance of Home Insurance in Manhattan, KS

Nestled in the scenic landscape of Flint Hills, Manhattan, KS, goes by the charming moniker the Little Apple. It is roughly 18 square miles and is recognized as a leader in education, entertainment, health care and trade.

The Little Apple is not the largest city in the state, with a population of 54,794 residents, representative of a 0.456% decline year over year. Still, the city has a young population with a median age of only 25 years.

Despite a 25.9% poverty rate, the average salary is over $50,000. The median home sale price is $222,300. With home values four to five times greater than the average salary, most people require a mortgage for homeownership. Mortgage lenders typically require borrowers to carry home insurance. Even if home insurance in Manhattan isn't essential, having it is a wise investment.

Home insurance protects your interests and can secure your financial future. Still, before investing in insurance, you should assess several policies and premiums to find a suitable option. VIU by HUB has a comparison tool that allows you to review the policies of several insurers to make the selection process easier.

Factors That Influence Insurance Premiums

Home insurance policies in the state are often above the national average. The higher cost typically relates to location, climate and crime. Your individual financial history may also influence insurance rates.

How Climate Affects Rates

Kansas experiences a humid continental climate with four seasons. Manhattan experiences cold, dry winters and hot, humid summers. Recent projections show wildfire risks may affect up to 79% of all Manhattan properties.

Also, 21% of all properties may face flood risks. Most home insurance policies do not cover flood damage, meaning homeowners in affected areas need supplemental coverage.

Finally, regarding climate, Kansas is facing moderate heat risks over the next 30 years. The likelihood of Manhattan heat waves is increasing. According to recent studies, Manhattan may face up to 17 days with temperatures 108°F or above.

Impact of Crime Rates

In addition to the city's climate risks, homeowners and insurers must consider crime rates. The odds of becoming a victim of either violent or property crime in Manhattan, KS, are one in 40, proving the city has a higher crime rate than 87% of the state's cities and towns.

Property crimes are a significant concern in Manhattan, including theft and burglary. A person has a one in 46 chance of becoming a victim of a property crime in the city. Home insurance in Manhattan, KS, can help protect your property and personal assets should an emergency arise. To ensure you select a policy with the best coverage for your budget, check out the comparison tool from VIU by HUB.

Average Cost of Home Insurance in Manhattan, KS

Home insurance in Kansas is significantly higher than the national average. The average cost of home insurance in Manhattan, KS, is about $2,575 annually or $215 monthly. The premium you pay depends on your finances and credit history as well as the property. Also, the level of coverage you receive can increase or decrease the premium.

Typical home insurance policies may cover theft, vandalism, wind damage, and fire damage. However, homeowners may want to invest in a supplemental policy because there is a moderate risk of flooding in Manhattan. VIU by HUB can help you weigh the pros and cons of several policies simultaneously. The comparison tool also enables you to find coverage options within your budget. 

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


Explore Manhattan

Manhattan, KS, Data USA

Manhattan, KS, Fire Risk Overview

Manhattan, KS, Flood Risk Overview

Manhattan, KS, Heat Risks Overview

Manhattan, KS, Crime Rates

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