Olathe Insurance Rates:

Olathe, KS home insurance is approximately $892 to $1,209, about $74-$100/month. Our complete guide indicates shoppers can save as much as $420 by getting many quotes

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Olathe Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $2950/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 1830 sqft Vacation Property Constructed In 2008 with Hardwood Flooring, Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $760/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1490 sqft Primary Residence Constructed In 2010 with Stone Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1390/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 2110 sqft Rental Property Constructed In 2006 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $840/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1740 sqft Rental Property Constructed In 1997 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $1050/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Bath 1730 sqft Vacation Property Constructed In 2004 with Linoleum, Tile Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Olathe, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66062 $202,400 $1,080
66061 $184,500 $1,070

Olathe Rates & Quotes Analysis:

Olathe Area Estimated House Insurance
S Prairie Creek Pkwy, W Loula St, W 163rd Pl, W 150th Ct, Nelson Cir, Scott St, S Sheridan Bridge Pl, 161st St, Explorers Trl, S Hamilton Cir$1,068
90th Ter, N Kansas City Rd, S Willie St, W 208th St, 84th Cir, Locust St, W Sage Cir, W 133rd, Summer St, N Bur Oak Cir$1,058
S Sunset Cir, S Frank St, S Race St, S Harbinger St, 113th Ter, N Kansas Ave, 124th St, S Gardner Rd, S Kimble St, W 179th Ter$1,079
S Quail Ridge Dr, S Raintree Dr, Wyandotte St, Skyview Ln, E Oak St, Alcan St, Nelson Rd, B Ln, S Church St, W Sheridan St$1,005
W 138th Pl, W 141st Cir, S Brookfield Cir, Ott St, S Kansas City Rd, S Concord Dr, Park Dr, Brentwood Dr, S Hedge Ln, N Prince Edward Is St$1,034
N Jefferson St, S Parkwood Dr, Avalon, N Church St, E Charlotte Town Rd, E Lindenwood Cir, Shady Bend Rd, S Valley Rd, S Kaw Dr, N Findley St$1,025
Bur Oak Ln, S Northlake Ave, W McKee St, E Cothrell St, Pin Oak Cir, S Garnett St, N Clinton St, S Julia St, N Church St, S Brentwood Dr$1,050
Marshall Dr, W 81st Pl, N Mur-Len Rd, S Sioux Dr, N Lincoln St, Deer Run St, N Chestnut St, Annie St, S Blackfoot St, S Darnell St$1,167
W Mulberry St, E Taylor Ct, Gretna St, W 147th Ct, E Wyandotte St, S Warwick St, S Archer St, S Penrose Ln, Ln O, E Loula St$1,030
S Parker St, S Kansas Ave, W 111th Ct, E Nelson Cir, S Wyckford St, W Poplar St, S Jade Ln, E Dennis Ave, Cricket Ln, S Robinson St$1,036

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,104 Homes (19% of total) built between 1980 to 1989 in Olathe are paying home insurance between $1,567-$1,582 in contrast with Johnson County (+$21), Lenexa (+$27), Overland Park (+$34), Gardner (-$36) and Spring Hill (-$35).
  • Bedrooms: 16,898 4 bedrooms homes (36% of total homes ) in Olathe are paying about $1,491 in contrast with Johnson County (+$19), Lenexa (+$25), Overland Park (+$32), Gardner (-$35) and Spring Hill (-$33).
  • Auto Insurance Bundling: 18,261 Households (55% of all households) in Olathe have 2 vehicles available and when it is bundled with home insurance you can save $210 and varies from Johnson County ($212), Lenexa ($213), Overland Park ($214).
  • Senior Discounts: 10,107 seniors (more than 55 years) occupied housing units (30% of total) in Olathe get discounts between $157 to $159. The comparative concessions in proximate regions such as Johnson County, Lenexa and Gardner are $159, $160 and $153 respectively.
  • New Homes discounts: New homes such as the 25,666 homes built between 2000 to 2009 in Olathe can save $210 and differs from Johnson County ($212), Lenexa ($213), Overland Park ($214).

Olathe Homeowners insurance Facts

  • Olathe, KS has 32,855 owner occupied houses which is 73.7% of all units whereas Johnson County, Lenexa and Overland Park have 71.02%, 63.0% and 65.36% respectively.
  • Olathe, KS homeowners yearly insurance price at $1,050 is 0.54% of the typical house value of $194,600 which is in contrast with 0.5% in Johnson County, 0.49% at Lenexa & 0.48% in Overland Park.
  • Homeowners in Olathe, KS pay 2.8% of their income ($35,000 to $39,999) in insurance whereas homeowners in Johnson County, Lenexa and Overland Park pay 2.84%, 2.85% and 2.86% respectively.
  • Olathe, KS’s insurance is 5.2% of monthly housing costs of $1,679/month, for owners with a mortgage compared to 5.21% in Johnson County, 5.06% at Lenexa & 5.2% in Overland Park. But, for households without a mortgage, insurance is 15.7% of costs ($556 in Olathe, KS) in contrast with 15.45% in Johnson County, 15.01% at Lenexa & 16.0% in Overland Park.

Olathe, KS Home Values & Insurance rates

For example, insurance for 644 Homes (2.0% of total homes ) valued between Less than $50,000 in Olathe, KS is about $126. Rates in nearby areas in such as Johnson County, Lenexa, Overland Park are cheaper by $9, $9, $8 respectively while Gardner and Spring Hill are costlier by $27 and $28 respectively for similar homes.

Olathe, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 644 2.0% $126
$80,000 to $89,999 324 1.0% $451
$90,000 to $99,999 425 1.0% $504
$100,000 to $124,999 1,434 4.0% $588
$125,000 to $149,999 3,025 9.0% $735
$150,000 to $174,999 5,588 17.0% $871
$175,000 to $199,999 5,998 19.0% $1008
$200,000 to $249,999 7,422 23.0% $1207
$250,000 to $299,999 3,863 12.0% $1480
$300,000 to $399,999 2,137 6.0% $1879

Renters Insurance in Olathe

  • Average Renters Insurance in Olathe :  $97($8/month)

  • Median Gross Rent in Olathe :  $861

  • Olathe Renters Insurance to Median Rent Ratio:  0.93%

  • Average household size of renter-occupied unit :  2.32

Olathe Renters Insurance as a Percentage of Rent

Olathe Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 142 1.0% $324
$200 to $299 151 1.0% $774
$300 to $499 613 5.0% $1224
$500 to $749 3,326 29.0% $1899
$750 to $999 2,971 25.0% $2649
$1,000 to $1,499 3,264 28.0% $3774
$1,500 or more 979 8.0% $5424

Protective device discount in Olathe Up to :  $14

Claims-free discount in Olathe Up to :  $19