Compare Overland Park Home Insurance Quotes Online

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Home Insurance in Overland Park, Kansas: A Complete Guide

Overland Park, the second-largest city in Kansas, is known for its suburban feel, family-friendly environment, and proximity to Kansas City. Although it has a relatively low crime rate and fewer weather risks compared to Wichita, homeowners in Overland Park still face challenges when insuring their homes.

National vs. Overland Park Home Insurance Costs

The national average cost for home insurance is $1,400 per year, while Overland Park homeowners pay an average of $1,150 per year. The lower cost can be attributed to fewer weather-related risks and lower crime rates compared to other cities in Kansas.

Local Factors Impacting Insurance Costs


Home Insurance Rates by Home Age in Overland Park

Here’s how the age of your home impacts insurance premiums in Overland Park:

Home AgeAverage Annual Premium
0-10 years$1,100
10-20 years$1,150
20-30 years$1,200
30+ years$1,280

Impact of Home Age on Insurance Rates


Home Insurance Rates by Credit Tier in Overland Park

Your credit score can greatly affect the cost of home insurance in Overland Park. Here’s how rates vary by credit score:


Cheapest Home Insurance Providers in Overland Park

Here are some of the most affordable home insurance providers in Overland Park and their average annual premiums:

  1. State Farm: $1,120/year
  2. Allstate: $1,140/year
  3. Liberty Mutual: $1,160/year
  4. Progressive: $1,180/year
  5. USAA: $1,090/year (for military families)

Home Insurance Rates by Deductible in Overland Park

Here’s how premiums in Overland Park change based on the deductible amount you choose:


Types of Homeowners Insurance in Overland Park

Overland Park homeowners can choose from a variety of homeowners insurance policies, depending on their specific needs:


Additional Coverage Options in Overland Park

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