Mayfield, KS Home Insurance Quotes!

Are you looking for an easily and affordable way to get a Mayfield, KS home insurance policy? Homeowners insurance for your home located in Mayfield will protect you from major financial losses if your home was damaged by a hurricane, fire, lightning storm, high winds, theft, vandalism or falling objects like power lines, trees or air debris. In a standard homeowners insurance policy, most of the items mentioned are covered. Also, most Mayfield, KS homeowners insurance policies provide liability coverage if you were found responsible for someone's injury. It's very important to speak with a licensed insurance agent about your coverage protection, for example, most homeowners don't realize that a normal home insurance policy does not cover flood damage. When you speak with one of our Mayfield based home insurance agents you will discover that you may be required or find that it is best to get flood insurance as an additional policy toward the protection coverage of your property.

Understanding more about your Mayfield home insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your insurance company the most. Our Kansas agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Mayfield, KS and let us generate the multiple quotes for you for free or call us now 913-276-4017. We will work with you to provide the best coverage and cost savings option. Start your Mayfield home insurance quote today!

Mayfield, KS Housing Data

Mayfield has 113 residents, which translates into roughly 122 households per zip code with roughly 3 people per household. The average household income is a respectable $81,875, which is slightly above the national average. Homes are very affordable in the Mayfield area with the average house value coming in at $109,700.

Average Mayfield, KS Home Insurance Rates & Information

When shopping online for Mayfield homeowners insurance, local residents have found better ways to save on their annual home insurance premium by easily comparing rates and applying for additional discounts. Rates are now as low as $860 per year for an HO-3 policy that covers the basic needs of homeowners insurance. Average rates in your area run around the $1,110 per year or only $93 per month for great coverage and a dependable insurance company you can trust. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

For the best home insurance rate and coverage options available, use GetHomeInsuranceQuotes.com to compare up to 12 rates for your home located in Mayfield. Our process is free and our quoting application only takes a few minutes of your time to complete. Make sure you know when your home was built, the overall heated square footage of your home and all the discounts and credit options that may be available to you. Also, we calculate your dwelling coverage for you, but you can use our home insurance calculator to get a free estimate. To start the quoting process, simply enter your zip code. Our free online chat service is available if you have any questions about the property details of your home or give us a call now at 913-276-4017.

Compare Homeowners Insurance Rates in Mayfield, KS!

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Average Rates Nearby Mayfield

Are you looking for homeowners insurance in a city near Mayfield? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Mayfield, KS

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Mayfield.

67103,

Mayfield, KS Home Insurance Average Premiums

Local Mayfield, KS home insurance quotes comparison

$860 /yr.

Shows Mayfield's lowest average rates with discounts applied.

For the city of Mayfield, 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)	$860 /yr.
Average Coverage:	$1110 /yr.
2600 sq. ft. or higher (all discounts applied)	$1410 /yr.

What is the average home insurance cost for a home in Mayfield, KS?

• The average homeowners insurance premium paid annually for a home in Mayfield is around $1110 per year.

What does it cost on average per month for home insurance in Mayfield, KS?

• Homeowners in Mayfield pay an average cost per month around $93.00 for insurance coverage.

Mayfield, KS - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$178,043	$157,900
February	$179,416	$161,752
March	$182,937	$166,215
April	$187,954	$169,843

Homeowners insurance will help cover the cost to repair or replace your Mayfield home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Mayfield
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Mayfield, KS homeowners insurance rates all in one place!

Saving Money Tips on Mayfield Home Insurance

A great way to save money on Mayfield homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Mayfield area? Check out what homeowners are paying on average for Kansas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1283 ft.	This is the average home elevation in Mayfield, KS	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Kansas flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Mayfield, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Sumner County.

Kansas Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

Mayfield, KS Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Mayfield so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Mayfield, KS?

- The average square footage in Mayfield is around 871 Sq. Ft. which would cost you around $109,700 to replace the home if you base the home on the price to build per square foot of $126.

Minimum Replacement Cost Total: $109,700

Location: Mayfield, Kansas (Sumner County)

Average Building Cost Per Square Foot in Mayfield: $126 (low end)

Average Square Footage in Mayfield: 871 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$126	$109,700
Some Additional Upgrades	$158	$137,125
Major Home Updates or Advancements	$189	$164,550

Calculate Your Mayfield, KS Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($126) in Mayfield, Kansas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $393,750 (Media price to build of $158 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.