Active Insurance
10551 Barkley St, Ste 203, Overland Park, KS 66212
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10551 Barkley St, Ste 203, Overland Park, KS 66212
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7400 W 130th St, Ste 100, Overland Park, KS 66213
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5440 W 110th St, Ste 300, Overland Park, KS 66211
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6800 College Blvd, Ste 125, Overland Park, KS 66211
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6900 College Blvd, Ste 650, Overland Park, KS 66211
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7500 College Blvd, 5th, Floor, Overland Park, KS 66210
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7311 West 132nd St, Suite 100, Overland Park, KS 66213
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12721 Metcalf Ave, Ste 100, Overland Park, KS 66213
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6850 College Blvd, Overland Park, KS 66211
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6600 College Blvd, Suite 140, Overland Park, KS 66211
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Learn about insurance coverage options specific to Overland Park residents.
Overland Park home insurance averages $1,300-$1,800/year. Learn about tornado & hail coverage, wind deductibles, and savings tips for Johnson County homes.
Home InsuranceOverland Park home insurance costs $1,500-$4,000/year. Learn how impact-resistant roofs save 25-35%, bundling discounts, and storm coverage tips.
General Insurance EducationComplete insurance guide for Overland Park residents. Understand Kansas requirements, tornado prep, hail coverage, and competitive rates in Johnson County.
Car InsuranceOverland Park drivers pay $1,858/year for full coverage—below the KS average. Learn how low crime rates, bundling discounts, and hail coverage impact your rate.
Car InsuranceCompare Overland Park auto insurance rates averaging $1,418/year. Learn about Kansas's 25/50/25 minimums, PIP requirements, and hail protection options.
Business InsuranceComplete guide to business insurance in Overland Park: workers comp requirements, cyber liability, D&O coverage, and storm protection for growing companies.
Kansas ranks among the top five most expensive states for home insurance, primarily due to severe weather risks including tornadoes, hail, and damaging thunderstorms. Overland Park faces these same risks, with insurance companies factoring in the high frequency of hail damage and wind claims when setting rates. The average Kansas homeowner pays nearly twice the national average—around $3,500 to $4,400 annually compared to the national average of $2,400.
Your standard deductible (usually $1,000 to $2,500) applies to most covered losses like fire or theft. The wind/hail deductible is separate and typically calculated as a percentage of your dwelling coverage—usually 2% to 5% in Kansas. For a $300,000 home with a 2% wind/hail deductible, you'd pay $6,000 out of pocket for hail or wind damage before insurance kicks in. This separate deductible exists because wind and hail claims are so common in Kansas.
While most of Overland Park isn't in a high-risk flood zone, localized flooding from heavy spring storms can absolutely damage basements and lower levels. Standard home insurance never covers flood damage—you need a separate flood policy. The good news is that flood insurance in moderate-risk areas is often quite affordable, sometimes $400 to $600 annually, and provides valuable protection when severe thunderstorms dump several inches of rain in a short period.
Yes, many insurers offer discounts of 10% to 30% for Class 4 impact-resistant shingles, and the protection is real—these shingles significantly reduce hail damage. Given how common hail is in Johnson County, the investment often pays for itself through both premium savings and avoiding claims. When you need a roof replacement, it's worth paying the modest upfront difference for impact-resistant materials.
Most major insurers offer 15% to 25% discounts when you bundle home and auto policies, which can mean savings of several hundred dollars per year on both policies combined. For an Overland Park homeowner paying $1,500 for home insurance and $1,200 for auto, a 20% bundle discount saves roughly $540 annually. It also simplifies billing and claims if you ever need to file with both policies.
Always insure for replacement cost, which is what it would actually cost to rebuild your home from the ground up. In Overland Park's competitive real estate market, your home might sell for $400,000 thanks to location and schools, but only cost $275,000 to rebuild. Insuring for market value leaves you overinsured and paying unnecessarily high premiums. Your insurer or a local contractor can estimate accurate replacement costs.
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