Overland Park Insurance Rates:

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.

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Home Insurance Companies in Overland Park, KS: Customer-Reviewed Options


Overland Park, KS Homeowners Insurance Rates by Coverage Level

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


Overland Park, KS Homeowners Insurance Rates by ZIP Code

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


Overland Park, KS Homeowners Insurance Deductibles

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



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


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%

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

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

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
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