Overland Park ,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 Overland Park, 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 Overland Park, KS is $2670. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Overland Park, KS. VHome Insurance will help you navigate the world of homeowners insurance coverages in Overland Park, KS.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $1,068 |
| $200,000 | $1,816 |
| $300,000 | $2,243 |
| $400,000 | $3,418 |
| $500,000 | $4,299 |
Home insurance costs in Overland Park can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 066213 | $3,529 |
| 66212 | $3,272 |
| 66204 | $3,183 |
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 Overland Park, KS, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,738 |
| $1000 Deductible | $2,448 |
| $1500 Deductible | $2,310 |
| $2500 Deductible | $2,083 |
| $5000 Deductible | $1,762 |
| Home Insurance Company Near Overland Park, KS | Homeowners Insurance Agency Near Overland Park, KS | Address |
|---|---|---|
| Farmers | Brad Ochs | 6701 W 64th St Ste 222, Overland Park, KS, 66202 |
| Travelers | Capitol Agency | 9500 Nall Ave Overland Park, Overland Park, KS, 66207 |
| State Farm | Jeff Jennings | 1706 S Broadway St, Oak Grove, MO, 64075-9022 |
| Farmers | John Banks | 1400 SW Eagles Pkwy, Grain Valley, MO, 64029 |
| State Farm | Larry Langford | 13012 Fuller Ave, Grandview, MO, 64030-2620 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Leawood city, Kansas | $149 | $199 | $298 |
| Oxford township, Johnson County, Kansas | $144 | $192 | $288 |
| Kaw township, Jackson County, Missouri | $124 | $165 | $247 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Overland Park, KS | 5.2% | 16% |
| Leawood | 3.78% | 11.72% |
| Oxford | 4.31% | 12.92% |
| Kaw | 5.93% | 17.97% |
| 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 |
| Streets in Overland Park Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Overland Park | $160 to $163 |
| Leawood | $179 |
| Oxford | $172 |
| Kaw | $148 |
| Coverage ($) | 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 | 3,590 | 5,494 | 7,318 |
| 100,000 | Metropolitan Property & Casualty Insurance Company | 1,373 | 1,954 | 2,358 |
| 100,000 | Shelter Mutual Insurance Company | 1,472 | 2,163 | 2,892 |
| 200,000 | Csaa Fire And Casualty Insurance Company | 2,079 | 3,267 | 3,746 |
| 200,000 | Liberty Insurance Corp | 2,097 | 2,164 | 2,180 |
| 200,000 | Marysville Mutual Insurance Company | 1,923 | 2,349 | 2,883 |
| 200,000 | Travelers Home And Marine Insurance Company (The) | 1,850 | 2,879 | 3,599 |
| 200,000 | Usaa Casualty Insurance Company | 3,354 | 3,478 | 3,478 |
| 300,000 | Mutualaid Exchange | 1,626 | 2,096 | 2,293 |
| 300,000 | United Services Automobile Association | 3,909 | 4,043 | 4,043 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $5,100 |
| Yearly Overland Park Homeowner Insurance Premium Example | $2,600 | $1,800 |
| Out of Pocket Expense During Claim | $1,100 | $5,100 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $16,700 | $15,900 |
| Net Savings to Overland Park Home Owner from High Deductible Plan | $800 | |
| Scenario | Overland Park, KS Home Replacement Value MORE than Home Value | Overland Park, KS Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $320,500 | $249,000 |
| Insurance Premium based on Replacement Value | $3,525 | $2,750 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $37,000 | Risk Exposure from Under Insuring Coverage is $34,500 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $400/year |
| Insurance Company | Nationwide Insurance | American Family Insurance | Liberty Mutual |
| Monthly Premium | 408 | 337 | 147 |
| Year Built | 1978 | 2013 | 2001 |
| Home Details | 5 Beds, 4 Baths | 4 Beds, 3 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $500000-$600000 | $350000-$400000 | $250000-$300000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |