Nashville, KS Home Insurance Quotes!
It's not uncommon for Nashville homeowners to desire a fast "get it done" approach when it comes to shopping for a basic Kansas homeowners insurance policy. We realize time is always an important factor, sometimes as much as cost. If you are shopping today for an affordable home insurance coverage for your home in Nashville, KS, then you have arrived at the right place, at the right time. An KS home insurance policy is designed to protect you from a major financial set back. When talking about a homeowners insurance policy, financial risk or loss can occur if your home was ever damaged by a fire, lightning, hurricane, theft or falling objects like a tree. So as you can see a standard homeowners insurance policy is not complicated, but sometimes comparing multiple coverage options and rates at the same time can be. Here at GetHomeInsuranceQuotes.com, we provide a quick way for you to compare the most affordable Nashville home insurance quotes by using our online quoting system. You can easily start this process by entering your zip code at the top of the page.
Compare Multiple Nashville Home Insurance Quotes
Here is how the process works in three easy steps:
- Enter your zip code to start the online Kansas home insurance quoting application. If this is a new home purchase in Nashville, KS, please make sure you include the correct zip code and street address for the home you would like to receive comparative rates for.
- The online quoting application is designed to limit your time completing a long form, just to review rates. This is why we have scaled down our information request so that we can process only the required home details in order to process multiple quotes faster. We will need important property information like the square footage of your home and what year your home was built.
- Finally, you can sit back and relax. Just click "Get Home Insurance Quotes" and we will shop up to 12 home insurance carriers that are all very competitive in the city of Nashville. We will also assign one Kansas home insurance professional to help answer any questions you may have. Our quoting process is secure and hassle free. We look forward to helping you compare the most affordable Nashville, KS rates.
Understanding more about your Nashville homeowners 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 home 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 Nashville, KS and let us generate the multiple quotes for you for free or call us at 1-913-276-4017. We will work with you to provide the best coverage and cost savings option. Start your Nashville home insurance quote today!
Nashville, KS Demographics & Home Value Data
The housing data listed below is for the Nashville, KS (KINGMAN County) location.
- Nashville Total Population: 64
- # of Residents Living With Single Family Homes: 108
- Average Real Estate Price of a Home Per Zip Code in Nashville: $90,000
Average Nashville, KS Home Insurance Rates
Homeowners living nearby or within the city of Nashville are paying around $1,478 per year on average. We have helped customers save more by shopping the best rates and coverages, smaller size homes in terms of square footage are seeing rates as low as $875 per year in Nashville. Higher-end homes that cost more to rebuild or replace include more coverage in the policy and premiums are around $1,425. On average, homeowners in Nashville pay around $1,125 per year or $94 per month for great quality coverage and price you can afford to protect the home you love. These average home insurance rates reflect the cost of a basic single family home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.
To receive free home insurance quotes, please start the quoting process online by simply enter your zip code or give us a call now at 1-913-276-4017.
Compare Homeowners Insurance Rates in Nashville, KS!
Get up to 12 competitive Nashville, KS homeowners insurance rates all in one place! |
Average Rates Nearby Nashville
Are you looking for homeowners insurance in a city near Nashville? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Nashville, KS
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Nashville.
Nashville, KS Home Insurance Average Premiums
$875 /yr.
For the city of Nashville, 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) | $875 /yr. |
| Average Coverage: | $1125 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1425 /yr. |
What is the average home insurance cost for a home in Nashville, KS?
- • The average homeowners insurance premium paid annually for a home in Nashville is around $1125 per year.
What does it cost on average per month for home insurance in Nashville, KS?
- • Homeowners in Nashville pay an average cost per month around $94.00 for insurance coverage.
Nashville, KS - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $120,911 | $100,149 |
| February | $124,963 | $104,444 |
| March | $137,039 | $109,439 |
| April | $158,254 | $113,625 |
Homeowners insurance will help cover the cost to repair or replace your Nashville 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 Nashville
- 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 Nashville, KS homeowners insurance rates all in one place! |
Saving Money Tips on Nashville Home Insurance
A great way to save money on Nashville 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 Nashville 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 |
|---|---|---|
| 1685 ft. | This is the average home elevation in Nashville, 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 Nashville, 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 Kingman County.
Kansas Homeowners Insurance News & Information
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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 […]
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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 […]
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$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 […]
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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 […]
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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 […]
Nashville, KS Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Nashville 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 Nashville, KS?
- The average square footage in Nashville is around 714 Sq. Ft. which would cost you around $90,000 to replace the home if you base the home on the price to build per square foot of $126.
Minimum Replacement Cost Total: $90,000
Location: Nashville, Kansas (Kingman County)
Average Building Cost Per Square Foot in Nashville: $126 (low end)
Average Square Footage in Nashville: 714 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $126 | $90,000 |
| Some Additional Upgrades | $158 | $112,500 |
| Major Home Updates or Advancements | $189 | $135,000 |
The dwelling coverage is calculated by the average cost per square foot ($126) in Nashville, 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.