Overland Park, KS Home Insurance Quotes!

Are you shopping online for great rates and coverage options for your home in Overland Park, KS? Then look no further, did you know that we actually do the shopping for you? That's right! Our free home insurance shopping platform allows you to trust that the agents at GetHomeInsuranceQuotes.com are working hard to provide the best coverage for the most affordable price. We can compare up to 12 major carriers that provide competitive prices for homeowners living in Overland Park.

The quoting process is easy and only takes a few minutes. Once you complete our online quoting application, one of our Kansas licensed agents will begin running multiple quotes for you to easily review and compare. It is important to understand that the best home insurance policy is not always the cheapest one, but a policy that provides great coverage options for your home is extremely important to us and to you. That's why it's great to work with a home insurance professional that knows the are withing Overland Park so we can make sure your getting the best coverage and rates available per company. You can start reviewing your Overland Park, KS homeowners insurance quotes today by entering your zip code and completeing our online quoting application.

Overland Park, KS Home Facts & Demographics

Overland Park has grown to be the home of 173,372 residents in total population with 71443 occupied homes in the city limits, the city seems to be grown with new homes being built throughout the city. The average family household in Overland Park is 45516.

Demographic	Values
Population	173,372
Total Occupied Households	71443
Family Households (families)	45516
Average Owner Occupied Household Size	2.64
Average Family Size	3.04
Total Housing Units	76280

Homeowners Insurance in Overland Park

When talking about home insurance, Overland Park homeowners are discovering more affordable rates online at GetHomeInsuranceQuotes.com. Thousands of homeowners use our online quoting application each month to easily review and compare KS rates.

If you start with the average overall countrywide, homeowners pay around $1311 a year on average nationally. In Overland Park, homeowners pay around $825 per year up to around $1,375 per year for standard homeowners insurance coverage. Customers in Overland Park, pay around $90 per month for home insurance. These average homeowners insurance rates reflect the cost of a standard homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Learning how to save time and money is a top priority for any homeowner. With rates on the increase, we help provide a service that quickly estimates the best home insurance rates available to you. For all Kansas homeowners, our rates are very competitive, plus we can provide multiple rating options, sometimes up to 12 quotes that will account for every home insurance discount we can use to help lower the cost of your annualy premium.

Compare Homeowners Insurance Rates in Overland Park, KS!

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Average Rates Nearby Overland Park

Are you looking for homeowners insurance in a city near Overland Park? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Overland Park, KS

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Overland Park.

66204, 66207, 66210, 66212, 66213, 66214, 66221, 66223, 66224,

Overland Park, KS Home Insurance Average Premiums

Local Overland Park, KS home insurance quotes comparison

$825 /yr.

Shows Overland Park's lowest average rates with discounts applied.

For the city of Overland Park, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$825 /yr.
Average Coverage:	$1075 /yr.
2600 sq. ft. or higher (all discounts applied)	$1375 /yr.

What is the average home insurance cost for a home in Overland Park, KS?

• The average homeowners insurance premium paid annually for a home in Overland Park is around $1075 per year.

What does it cost on average per month for home insurance in Overland Park, KS?

• Homeowners in Overland Park pay an average cost per month around $90.00 for insurance coverage.

Overland Park, KS - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$421,743	$395,980
February	$422,180	$401,974
March	$423,547	$409,223
April	$425,487	$415,820

Homeowners insurance will help cover the cost to repair or replace your Overland Park home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Overland Park
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Overland Park, KS homeowners insurance rates all in one place!

Saving Money Tips on Overland Park Home Insurance

A great way to save money on Overland Park homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Overland Park area? Check out what homeowners are paying on average for Kansas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
990 ft.	This is the average home elevation in Overland Park, KS	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Kansas flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Overland Park, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Johnson County.

Kansas Homeowners Insurance News & Information

Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024
Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured. Major upgrades such as adding square footage to your home or […]

Overland Park, KS Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Overland Park so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Overland Park, KS?

- The average square footage in Overland Park is around 2,388 Sq. Ft. which would cost you around $300,886 to replace the home if you base the home on the price to build per square foot of $126.

Minimum Replacement Cost Total: $300,886

Location: Overland Park, Kansas (Johnson County)

Average Building Cost Per Square Foot in Overland Park: $126 (low end)

Average Square Footage in Overland Park: 2,388 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$126	$300,886
Some Additional Upgrades	$158	$376,107
Major Home Updates or Advancements	$189	$451,329

Calculate Your Overland Park, KS Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($126) in Overland Park, Kansas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $393,750 (Media price to build of $158 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.