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66044 Home Insurance Rates & Premiums

Did you know there are over 28,276 people living within the 66044 zip code area? There are over 11,005 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 66044.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Kansas are on the rise. The estimated average premium is around $1,114 a year for a standard homeowners insurance policy in Lawrence. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Lawrence, KS Homeowners Insurance Quotes Online

66044 Home Insurance Average Premiums

Local 66044 homeowners insurance quotes comparison

$864 /yr.

Shows Zip Code: 66044 lowest rates with discounts applied on average.

For the 66044, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$864 /yr.
Average Coverage:$1114 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1414 /yr.

What is the average home insurance cost for a home in 66044?

  • • The average homeowners insurance premium paid annually for a home in 66044 is around $1114 per year.

What does it cost on average per month for home insurance in 66044?

  • • Homeowners in 66044 pay a monthly average cost per month around $93.00.

What kind of discount could I get if I combine my home and auto insurance together in 66044?

  • • Autoowners in 66044 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Lawrence area, check out other zip codes nearby 66044.
Review average rates in another zip code:
66044 homeowners insurance rates
66047 homeowners insurance rates
66046 homeowners insurance rates
66045 homeowners insurance rates
66049 homeowners insurance rates

Home Replacement Cost Coverage in 66044

Average Building Cost Per Square Foot in 66044: $126

Location: Lawrence, Kansas (Douglas County)

Average Square Footage in 66044: 1,485 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 66044 before you start any project. Lawrence homeowners pay on average around $126 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 66044 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 66044 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,485 sq. ft. and the average cost to rebuild the home in this area is around $126 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Lawrence area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1261,485$187,100
Additional Upgrades & Added Features$1581,485$233,875
Major Home Updates or Advancements$1891,485$280,650

It's important to understand that when you estimate your replacement cost of your home in the 66044 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 66044

Best Home & Auto Insurance Agencies in 66044

Michael Conner Ma, Lutcf-Farmers Insurance

Address: 601 Missouri St Lawrence, KS 66044
Phone:
Website: http://www.farmersagent.com/mconner/
Info:

American Family Insurance- Mary P Woodward

Address: 901 Kentucky St Lawrence, KS 66044
Phone:
Website: http://www.amfam.com/
Info:

American Family Insurance - Mary P Woodward

Address: 708 W 9th St Lawrence, KS 66044
Phone:
Website: http://www.insurance-agency.amfam.com/KS/mary-p-woodward/default.aspx?sourceid=yp3
Info:

American Family Insurance

Address: 901 Kentucky St, #101 Lawrence, KS 66044
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Senne- Diane C - State Farm Insurance Agent

Address: 935 Iowa St Lawrence, KS 66044
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 66044

Population Review for 66044 Zip Code

For the city of Lawrence, the population within 66044 has increased to over 25,176 residents in population size. The current population total is 28,276. We have broken down the population based on race below. In 66044, there are over 14153 in male population and 14123 females.

PopulationValues
Total Population28,276
White Population22102
Black Population1351
Hispanic Population2157
Asian Population963
Hawaiian Population35
Indian Population555
Other Population668
Male Population14153
Female Population14123
Population Estimate25176

Household Data for 66044

The average number of homes in 66044 is around 11,005, there are an average of 2.10 per household. The average house value according to local real estate values is around $187,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,005
Persons Per Household2.10
Average House Value$187,100
Income Per Household$47500
Median Age25.8
Median Age Male26.2
Median Age Female25.2
66044 DetailsValues
StateKS
State Full NameKansas
City TypeP
City Alias Abbreviation
Area Code785
CityLawrence
City Alias NameLAWRENCE
CountyDouglas
County FIPS045
State FIPS20
Time Zone6
Day Light SavingY
MSA4150
PMSA
CSA312
CBSA29940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLawrence, KS
MSA_NameLawrence, KS MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses908
Number Of Employees11827
Business First Quarter Payroll138157
Business Annual Payroll578873
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population110826
CBSA Division Population0
Congressional District01|02
Congressional LandArea52542.5|14143.34
Delivery Residential11989
Delivery Business1076
Delivery Total15723
Preferred Last Line KeyW20853
Classification Code
Multi-CountyY
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW20853
Land Area64.181000
Water Area1.383000
City Alias Code
City Mixed CaseLawrence
City Alias Mixed CaseLawrence
Box Count479
SFDU7717
MFDU2187
State ANSI20
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number195016
Unique ZIP Name
SSA State County Code17220
Medicare CBSA Code29940
Medicare CBSA NameLawrence, KS
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseDouglas

Kansas Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]