Lawrence has 96,051 residents in 41,129 households. We list 6 agencies for home insurance in Lawrence. Here is what the local numbers say about the cover people here need.

Lawrence at a glance

6home insurance agencies listed
56.4%of households rentRenters insurance
$292,700median home valueHome insurance
1988median year homes were builtRebuild cost calculator
8.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Douglas County

FEMA rates the overall natural hazard risk in Douglas County, where most Lawrence agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lawrence
Ice stormRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lawrence
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lawrence

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Lawrence agencies are

Lawrence agencies we list sit in 4 ZIP codes, mostly in Douglas County.

660493 agencies
660441 agency
660461 agency
660471 agency

Questions

Home insurance in Lawrence

All insurance agencies in Lawrence · Home insurance across Kansas

Where can I find home insurance in Lawrence?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Lawrence?

FEMA's National Risk Index rates inland flooding risk in Douglas County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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