Overland Park Insurance Rates:

Overland Park, KS home insurance is roughly $911 to $1,235, about $75-$102/month. Our thorough analysis shows customers can save as much as $429 by comparing many quotes

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Overland Park Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $1610/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

2 Beds, 2 Bath 1660 sqft Primary Residence Constructed In 2003 with Carpet Flooring, Composition Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $3560/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $545,000

5 Beds, 5 Baths 4910 sqft Vacation Property Constructed In 1985 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 980 sqft Rental Property Constructed In 1987 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Overland Park, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66213 $280,900 $1,160
66212 $171,800 $1,060
66204 $140,400 $1,040

Overland Park Rates & Quotes Analysis:

Overland Park Area Estimated House Insurance
Overland Pkwy, Briar, W 150th Pl, 138th St, W 131st Pl, 61st Ter, Woodson Dr, Goddard Ave, Che la Thah St, W 79th Pl$1,022
Barton, Greenbrier Dr, Conser Pl, S State Line Rd, Slater Ln, Marty Ln, W 133rd Ter, W 155th Pl, W 121st Pl, 146th Ter$1,006
W 102nd Pl, Hadley Ln, W 126th Pl, W 194th Ter, Grant Dr, Barkley, Meadow Ct, Goodman Dr, Ridge, Perry Ln$1,019
W 151st Pl, Flint, 149th St, W 201st Ter, W 154th Ter, 156th St, Russell Rd, Alahambra, W 133rd Ter, Merriam Dr$1,212
Broadmoor Ln, Overland Park Dr, W 166th Ter, W 103rd Pl, Sherwood St, Lamar St, Dearborn Cir, S Clearview Rd, Perry Ln, Lakeside Dr$1,179

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,069 Homes (14% of total homes ) built between 1960 to 1969 in Overland Park are paying home insurance between $1,879-$1,895. Places close to Overland Park, KS such as Leawood, Oxford, Aubry are more expensive by $212, $138, $98 respectively while Kaw(MO) and Olathe are cheaper by $146 and $40 respectively for similar homes.
  • Bedrooms: 16,393 2 bedrooms homes (21% of total homes ) in Overland Park are paying about $891 and varies from Leawood (+$101), Oxford (+$66), Loch Lloyd(MO) (+$346), Kaw(MO) (-$39) and Olathe (-$19).
  • Auto Insurance Bundling: 11,916 Households (25% of all households) in Overland Park have 3 or more vehicles available and when it is bundled with home insurance you can save $268. Discounts for similar bundling in close by locations such as Leawood, Oxford, Kaw (MO)come to $298, $288, $247 respectively.
  • Senior Discounts: 20,780 seniors (more than 55 years) occupied housing units (43% of total) in Overland Park get discounts between $160 to $163 and varies from Leawood ($179), Oxford ($172), Kaw(MO) ($148).
  • New Homes discounts: New homes such as the 36,823 homes built between 2000 to 2009 in Overland Park can save $214 and differs from Leawood ($238), Oxford ($230), Kaw(MO) ($198).

Overland Park Homeowners insurance Facts

  • Overland Park, KS has 47,490 owner occupied houses which is 65.4% of all units whereas Leawood, Oxford and Kaw have 92.97%, 96.77% and 49.35% respectively.
  • Overland Park, KS homeowners yearly insurance price at $1,073 is 0.48% of the typical house value of $224,300 which is in contrast with 0.3% in Leawood, 0.34% at Oxford & 0.67% in Kaw.
  • Homeowners in Overland Park, KS pay 3.3% of their income ($30,000 to $34,999) in insurance whereas homeowners in Leawood, Kaw and Loch Lloyd pay 3.67%, 3.05% and 4.42% respectively.
  • Overland Park, KS’s insurance is 5.2% of monthly housing costs of $1,719/month, for owners with a mortgage compared to 3.78% in Leawood, 4.31% at Oxford & 5.93% in Kaw. But, for households without a mortgage, insurance is 16% of costs ($559 in Overland Park, KS) in contrast with 11.72% in Leawood, 12.92% at Oxford & 17.97% in Kaw.

Overland Park, KS Home Values & Insurance rates

For example, insurance for 2,412 Homes (5.0% of total homes ) valued between $100,000 to $124,999 in Overland Park, KS is about $525. Rates in nearby areas in such as Aubry, Mission Hills, Fairway are cheaper by $119, $341, $100 respectively while Kaw and Olathe are costlier by $207 and $63 respectively for similar homes.

Overland Park, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 768 1.0% $118
$90,000 to $99,999 500 1.0% $450
$100,000 to $124,999 2,412 5.0% $525
$125,000 to $149,999 4,304 10.0% $654
$150,000 to $174,999 5,544 13.0% $772
$175,000 to $199,999 4,954 11.0% $890
$200,000 to $249,999 9,279 22.0% $1073
$250,000 to $299,999 7,144 17.0% $1309
$300,000 to $399,999 6,180 14.0% $1673

Renters Insurance in Overland Park

  • Average Renters Insurance in Overland Park :  $61($5/month)

  • Median Gross Rent in Overland Park :  $941

  • Overland Park Renters Insurance to Median Rent Ratio:  0.53%

  • Average household size of renter-occupied unit :  1.95

Overland Park Renters Insurance as a Percentage of Rent

Overland Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 298 1.0% $1215
$500 to $749 4,245 17.0% $1890
$750 to $999 9,663 39.0% $2640
$1,000 to $1,499 7,819 31.0% $3765
$1,500 or more 2,229 9.0% $5415

Rent Affordability in Overland Park:

Approximately 34.0% (8,600) of households are spending more than 35% of their income on gross rent in Overland Park

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,870 15.0%
15.0 to 19.9 percent 4,080 16.0%
20.0 to 24.9 percent 3,720 14.0%
25.0 to 29.9 percent 2,718 10.0%
30.0 to 34.9 percent 2,180 8.0%
35.0 percent or more 8,600 34.0%

Overland Park Renters Insurance Discounts:

Overland Park Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Overland Park, KS Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 13,435 53.0% $6.1
2 vehicles available 7,862 31.0% $9.15
3 or more vehicles available 1,593 6.0% $12.2

Overland Park Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,114 4.0% $94
60 to 64 years 1,005 3.0% $75
65 to 74 years 1,303 5.0% $61
75 years and over 2,687 10.0% $47

Protective device discount in Overland Park Up to :  $9

Claims-free discount in Overland Park Up to :  $12