Average homeowners insurance cost in Overland Park, KS

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Overland Park is $4,012 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,430 more than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Overland Park depend on several factors, including:

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

Allstate is the cheapest homeowners insurance company in Overland Park with an average annual premium of $4,012 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Overland Park. Keep reading to learn about the monthly cost of homeowners insurance in Overland Park, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Overland Park.

Key takeaways

Homeowners insurance costs $4,012 per year in Overland Park.
At $2,837 per year, Allstate offers the cheapest homeowners insurance in Overland Park.
Your home insurance rates increase by $611 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Overland Park per month

Overland Park homeowners pay an average of $334 a month, based on our rate analysis. It’s $68 less than the state average of $402 and $119 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Overland Park may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Overland Park

The average cost of homeowners insurance in Overland Park, KS is $3,401 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.

Average homeowners insurance cost for a $300,000 house in Overland Park

Based on a rate analysis conducted by Insure.com, Overland Park residents pay an average of $4,012 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $611 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Overland Park by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Overland Park. It’s average annual rate for homeowners in Overland Park is $2,837.

Shelter Insurance, ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $2,956.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Overland Park and compiled a list of the most affordable home insurance companies.

Below are details of Overland Park home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$2,837
Shelter Insurance	$2,919
State Farm	$2,956
Iowa Farm bureau	$3,391
Farmers	$4,621
Nationwide	$5,744
American Family	$3,272

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Overland Park for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.