Olathe ,KS Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Olathe, KS homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Olathe, KS is $2591. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Olathe, KS. VHome Insurance will help you navigate the world of homeowners insurance coverages in Olathe, KS.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $1,036 |
| $200,000 | $1,762 |
| $300,000 | $2,176 |
| $400,000 | $3,316 |
| $500,000 | $4,172 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Olathe, KS, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,657 |
| $1000 Deductible | $2,376 |
| $1500 Deductible | $2,241 |
| $2500 Deductible | $2,021 |
| $5000 Deductible | $1,710 |
| Home Insurance Company Near Olathe, KS | Homeowners Insurance Agency Near Olathe, KS | Address |
|---|---|---|
| Travelers | Fladung Insurance Agency | 1000 N MAIN STREET SUITE 4, LANSING, KS, 66043 |
| Travelers | Insurance Management Consultants | 4500 COLLEGE BLVD STE 220, LEAWOOD, KS, 66211 |
| Allstate | John P. Schwarzel | 837 Reed St, Liberty, MO, 64068 |
| Liberty Mutual | Phillip Sheek | 3340A Ne Ralph Powell Road, Lees Summit, MO, 64064 |
| Travelers | Prairie Land Insurance | 123 W 8Th Street, Suite 101, Lawrence, KS, 66044 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Johnson County, Kansas | $159 | $212 | $318 |
| Lenexa city, Kansas | $160 | $213 | $320 |
| Overland Park city, Kansas | $161 | $214 | $321 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Olathe, KS | 5.2% | 15.7% |
| Johnson County | 5.21% | 15.45% |
| Lenexa | 5.06% | 15.01% |
| Overland Park | 5.2% | 16.0% |
| 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 |
| Streets in Olathe Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Olathe | $157 to $159 |
| Johnson County | $159 |
| Lenexa | $160 |
| Gardner | $153 |
| Coverage ($) | Company | Average homeowners insurance premium ($) | ||
|---|---|---|---|---|
| Fire protection class 1-8 | Fire protection class 9 | Fire protection class 10 | ||
| 100,000 | Auto Club Family Insurance Company | 2,754 | 4,215 | 5,623 |
| 100,000 | Mutualaid Exchange | 682 | 878 | 959 |
| 100,000 | Travelers Home And Marine Insurance Company (The) | 1,282 | 2,105 | 2,722 |
| 200,000 | Bremen Farmers Mutual Insurance Company | 1,818 | 2,406 | 2,837 |
| 200,000 | Garrison Property And Casualty Insurance Company | 2,570 | 2,800 | 2,800 |
| 200,000 | Travelers Home And Marine Insurance Company (The) | 1,951 | 3,113 | 3,969 |
| 200,000 | Usaa General Indemnity Company | 2,345 | 2,505 | 2,505 |
| 300,000 | Auto Club Family Insurance Company | 6,191 | 9,446 | 12,584 |
| 300,000 | Safeco Insurance Company Of America | 2,032 | 3,801 | 4,472 |
| 300,000 | United Services Automobile Association | 2,540 | 2,732 | 2,732 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| Yearly Olathe Homeowner Insurance Premium Example | $1,600 | $1,100 |
| Out of Pocket Expense During Claim | $1,700 | $2,700 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $9,700 | $8,200 |
| Net Savings to Olathe Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Olathe, KS Home Replacement Value MORE than Home Value | Olathe, KS Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $186,500 | $113,500 |
| Insurance Premium based on Replacement Value | $2,625 | $1,600 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $38,000 | Risk Exposure from Under Insuring Coverage is $35,000 |
| Premium Impact | Insurance cheaper by $500/year | Insurance costlier by $525/year |
| Insurance Company | Farmers Insurance | Nationwide Insurance | American Family Insurance |
| Monthly Premium | 173 | 201 | 265 |
| Year Built | 1980 | 2011 | 1997 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $300000-$350000 | $400000-$500000 |
| Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |