Overland Park Insurance Rates:

Overland Park, KS homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
The premium and deductible are pretty high. I am sure though it is because of the history of flooding in the area and hurricane hazards that can come through.
Allstate
The insurance is easy to use, the policy clearly outlines what is covered and what is not. I like how organized the packet that they gave me is - it clearly organizes the policy and its contingencies. It is reasonably priced for me.
California Casualty
The insurance company provides an adequate amount of coverage for my family's needs at affordable rates which i can view online.
Allstate
Allstate uses a virtual reality adjuster. To Allstate they feel you're in good hands with them. However, the lack of use of actual claims adjusters cause many concerns with claims.
Farmer's Insurance
i would recommend this company to others based on how cheap it is. Insurance is a scam anyways so the cheaper it is the less ur getting scammed out of ur money. If it wasnt profitable for them to charge u premiums monthly they wouldnt do it.
State Farm
THis is hard as I am torn. I would probably recommend because the cost of the policy- especially if you bundle - are less than other companies that I inquired about. However, I would suggest that you read the fine print to make sure the coverage is sufficient in case of an accident.
Progressive
The progressive insurance company has been decent to do business with so far and allowed us to bundle our car insurance with it to save on cost.
Allstate
I like how their app is easy to use. it really helps me get my bills paid in a resourceful way. i really feel covered with allstate it's just good to know i have something to fall back on.
State Farm
The people, the process, the company itself gives me everything I need from an insurance company
State Farm
I don't particularly like how many emails they send my household, it's hard to keep track of what it what and if any of it is actually important.
State Farm
It is not something I prefer to use regularly because it does not offer enough benefits for my typical use of websites.
Farm Bureau
I have shopped around for insurance a few times and no one is anywhere near the price of farm bureau. For equal coverage other companies wanted to charge me 2x to 3x as much money.
State Farm
I can call them up if I have simple questions, and I can go to their office for more complex issues. I find that dealing with a professional human being, face to face is far superior to the anonymous process of web communication.
Amica Mutual Insurance
The company offers a usable website, although it is not as robust as those from other insurance carriers. I have not used their app, so I'm not sure how that is or if it even exists.
State Farm
I like State Farm because the rates are really good and they have really good customer service. They treat their customers with respect and seem to really care about their customers.
American Family
I have all the coverage that I need with this premium. Other companies offer cheaper quotes but do not offer the same coverage. My company also offers cheaper quotes, but I am pleased with what I have at the cost that it's currently at.
Allstate
They didn't communicate very well during my last inquiry for a specific type of insurance I needed. They send me lots of "sales" emails, which irritates me the most.
Allstate
I like that they are local and well known around my community. I trust them and feel that they have my best interests first. I will be a customer for a long time with them.
Progressive
they are a great insurance company with their costs, coverage, and customer service. definitely, recommend to anyone in the market.
Progressive
It is complicated, I don’t understand the contract, unfavorable experiences with insurance companies/ claims
Allstate
i will definitely not recommend the all state as your insurance partner as the premiums and deductibles are very high when compared to the other players in the insurance market.
Allstate
It is adequate. If you need coverage and it's in your area and the price lines up then go for it. I won't say it'll wow you but it will do what you pay for. Just not at any great speed.
State Farm
I strongly recommended State Farm company home insurance. Because the State Farm home insurance was very easy, honest and comfortable. I strongly recommended the State Farm home insurance.
State Farm
I would recommend this company as they have dealt with emergencies like a tree falling on the house and damage to a hot tub in a storm with ease and care in solving the problem.
National General
The premium is very expensive and they only cover a few things/topics. There are other companies offering more coverage for less of a value price but I am under a year contract. The only thing I like is that they get their fixes and work done quickly. Their customer service reps are very rude as well.
Progressive
I think they are affordable, kind, helpful, and willing to go the extra mile for you.
State Farm
The app could be a bit more updated, but that is the only negative I can think of regarding my insurance company. There isn't anything large enough to make me search for new insurance.
Allstate
I love allstate is always on my side. Even when something does happen or I have to put in a claim they have not raised my rates! This is awesome because most companies do.
American Family Insurance
I would recommend American Family Insurance because most home warranty companies have something negative to them.They do pretty good when it comes down to actually getting the job done.
State Farm
I wound recommend this company because of the extremely professional customer service and the competitive plans. However, they are not always the cheapest option.
Encompass Insurance
The service has not been good. Slow or no response but the premium is good. I would give them a 2

Overland Park, KS Homeowners Insurance By Home Value

Overland Park, KS Home Value Total Homes % of Total Average Overland Park, KS 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

Top Home Insurance Agents Near Overland Park, KS

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

Overland Park, KS Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Overland Park, KS

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

Overland Park, KS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Overland Park$160 to $163
Leawood$179
Oxford$172
Kaw$148

Overland Park, KS Auto & Homeowners Insurance Bundling Discounts

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

Overland Park, KS Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Overland Park, KS5.2%16%
Leawood3.78%11.72%
Oxford4.31%12.92%
Kaw5.93%17.97%

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

Average Cost Of Home Insurance By Company In Areas Nearby Overland Park For Different Scenarios

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

Overland Park, KS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Overland Park, KS Home Insurance Costs With Home Replacement Value Scenarios

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

Example Overland Park Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmerican Family InsuranceLiberty Mutual
Monthly Premium 408337147
Year Built 197820132001
Home Details 5 Beds, 4 Baths4 Beds, 3 Baths3 Beds, 2 Baths
Coverage Amount $500000-$600000$350000-$400000$250000-$300000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Overland Park, KS from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 395,000 Wood Shake Roof 3,650 5 $500- $1000 Deductible 3360 8 Brick siding yes
2011 175,000 Membrane Roof 1,510 2 $500- $1000 Deductible 1180 6 Stone Siding yes
1994 520,000 Metal Roof 4,260 5 $2500-$5000 Deductible 1880 5 Wood siding yes
1983 105,000 Membrane Roof 1,000 2 $500- $1000 Deductible 390 4 Stone Siding yes
1985 295,000 Slate Shingles Roof 2,140 4 $500 Deductible 340 1 Wood siding yes
1998 240,000 Composition Roof 1,830 3 $2500-$5000 Deductible 2090 10 Stone Siding No
1997 175,000 Asphalt Shingles Roof 1,650 5 $1000-$2500 Deductible 1220 8 Stone Siding yes
2011 215,000 Asphalt Shingles Roof 2,090 4 $5000 to $10,000 Deductible 560 3 Vinyl siding yes
1981 220,000 Tile Roof 1,650 3 $500- $1000 Deductible 210 1 Vinyl siding yes
1973 175,000 Membrane Roof 1,550 5 $500 Deductible 1940 8 Vinyl siding yes
2014 200,000 Wood Shake Roof 1,430 2 $500 Deductible 1000 5 Wood siding No
1989 110,000 Wood Shake Roof 920 2 $500 Deductible 400 5 Stucco siding yes
2008 585,000 Asphalt Shingles Roof 4,730 5 $1000-$2500 Deductible 2400 4 Wood siding No
1975 250,000 Asphalt Shingles Roof 1,930 3 > $10,000 Deductible 390 3 Stucco siding No
2003 205,000 Shingles Roof 1,860 5 $2500-$5000 Deductible 870 4 Stone Siding yes
1979 305,000 Metal Roof 2,220 3 $500 Deductible 2660 9 Vinyl siding yes
2005 150,000 Metal Roof 1,270 2 $5000 to $10,000 Deductible 90 1 Wood siding yes
1972 275,000 Composition Roof 2,160 3 $2500-$5000 Deductible 1100 4 Stone Siding yes
1982 360,000 Shingles Roof 2,810 5 $2500-$5000 Deductible 1770 7 Stucco siding yes
2014 200,000 Tile Roof 1,770 2 $2500-$5000 Deductible 1470 9 Fiber-Cement Siding yes
1984 230,000 Membrane Roof 1,650 2 $5000 to $10,000 Deductible 800 4 Wood siding No
2008 270,000 Tile Roof 2,280 5 $2500-$5000 Deductible 400 2 Vinyl siding yes
2007 365,000 Composition Roof 2,870 5 $2500-$5000 Deductible 2910 10 Stone Siding yes
2005 175,000 Composition Roof 1,230 3 $1000-$2500 Deductible 460 3 Stucco siding No
2008 575,000 Asphalt Shingles Roof 4,730 5 $5000 to $10,000 Deductible 3730 8 Fiber-Cement Siding yes
1977 515,000 Slate Shingles Roof 4,420 5 $5000 to $10,000 Deductible 3070 7 Vinyl siding No
1975 230,000 Tile Roof 1,790 2 $2500-$5000 Deductible 1110 7 Brick siding yes
2003 235,000 Composition Roof 1,660 2 $2500-$5000 Deductible 1610 10 Wood siding yes
1985 545,000 Asphalt Shingles Roof 4,910 5 $5000 to $10,000 Deductible 3560 12 Fiber-Cement Siding No
1987 110,000 Wood Shake Roof 980 2 $500- $1000 Deductible 180 2 Stone Siding No

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