insure logo

Why you can trust

quality icon

Quality Verified

At, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of homeowners insurance in Olathe is $3,756 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on’s rate data analysis. It’s $1,339 more than the national average of $2,417.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Olathe depend on a number of factors, including:

  • Size of your home
  • Age of your home
  • Amount of coverage you need
  • Location
  • Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Olathe, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Olathe.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Olathe.

Key takeaways

  • The average cost of homeowners insurance in Olathe is $3,756 per year.
  • Allstate is the cheapest homeowners insurance company in Olathe with an average annual premium of $2,565.
  • If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $596 more a year for home insurance.

Average homeowners insurance cost in Olathe per month

Olathe homeowners pay an average of $313 a month, based on our rate analysis. It’s $74 less than the state average of $387 and $112 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Olathe may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Olathe

The average cost of homeowners insurance in Olathe, KS is $3,160 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Olathe

According to a rate analysis by, homeowners in Olathe pay an average of $3,756 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $596 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Olathe by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Olathe. Its average annual rate for Olathe homeowners is $2,565. Shelter Insurance ranks second and American Family makes it to the third spot with an average annual home insurance rate of $2,971.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Olathe and prepared a list of the top ten cheapest home insurance providers. You can find below the Olathe home insurance companies and their average annual premium.

Home Insurance CompanyAnnual rate
Shelter Insurance$2,892
American Family$2,971
State Farm$3,186
Iowa Farm bureau$3,372

Methodology, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Olathe for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

How much is home insurance in other cities