Updated: December 12, 2024
Advertising & Editorial Disclosure
In Olathe, Kansas, Auto-Owners Insurance is the best overall choice for home insurance. It is the cheapest and prioritizes customer service.
The company caters to different needs, so we recommend choosing a provider based on what is important to you, like cost, coverage and service quality.
Best HomeInsuranceOlathe, KSTable of Contents
Why Trust MoneyGeek? We used data from the Kansas Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Olathe, ensuring reliable and industry-standard recommendations.
Home insurance premiums in Olathe represent the most competitive rates available as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option in Olathe, KS, for $100K dwelling coverage, achieving a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in Olathe range from 52 to 99. These figures reflect MoneyGeek's scoring system — insurers may receive different scores based on factors like credit history and the age of your home.
| Auto-Owners Insurance | 99 | $1,223 |
| State Farm | 88 | $1,444 |
| American Family | 79 | $1,891 |
| Shelter | 71 | $1,236 |
| Farmers | 69 | $1,944 |
| Allstate | 68 | $1,792 |
| Farm Bureau | 64 | $2,065 |
| Nationwide | 52 | $2,968 |
MoneyGeek found that Auto-Owners Insurance is the best option for $100K dwelling coverage in Olathe, KS. The two best home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance is the best home insurance provider due to its strong affordability and high customer satisfaction.
In Olathe, many insurance companies offer different prices and services. While cost is a key factor, customer satisfaction and claims handling are also important when making claims.
Auto-Owners Insurance scores high in affordability and satisfaction. It offers comprehensive home insurance with coverages. Guaranteed replacement cost ensures your home is fully covered if your limit is too low. Scheduled personal property covers valuable items against loss or damage. Personal property replacement cost protects against appliance leaks and power failures.
You can save with discounts like responsible payment, which you can qualify for by paying on time for 36 months, and paperless billing.
MoneyGeek found that Auto-Owners Insurance is the best option for customer service in Olathe, KS. Based on money value and customer service, these are the top home insurance providers for $100,000 dwelling coverage.
Auto-Owners Insurance offers the highest customer satisfaction and comprehensive coverage at an affordable price. Choosing Auto-Owners Insurance means you're opting for reliable and supportive service. Excellent home insurance service includes easy claims, quick responses and helpful staff who care about your needs.
Auto-Owners has a high MoneyGeek Score because of its excellent customer satisfaction and coverage. It offers comprehensive home insurance with coverages. Guaranteed replacement cost helps if your home needs a full replacement. Equipment breakdown covers things like air conditioners if they break. Scheduled personal property protects your special items.
You can save with discounts like responsible payment, which you get by paying on time for 36 months, and paperless billing.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option for $100K dwelling coverage in Olathe, KS. The top two best and cheapest homeowner insurance companies are:
Auto-Owners Insurance boasts high affordability and customer satisfaction scores. Choosing cheap home insurance can save money, but it might not provide enough coverage when unexpected incidents occur.
In instances where saving on premiums is a priority, considering the cheapest companies or learning the average cost of homeowners insurance in Kansas may be beneficial. The best cheap is different from the cheapest as it considers the price and quality of service offered.
Auto-Owners Insurance scores high for affordability and customer satisfaction. It offers comprehensive home insurance coverages like guaranteed replacement cost and scheduled personal property. There's also a building ordinance or law that covers costs to meet local codes and equipment breakdown, which helps if your appliances fail.
You can save with discounts like responsible payment, which you get by paying on time for 36 months, and paperless billing.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Many factors, including location, influence homeowners insurance in Olathe. To save money, compare rates from at least three companies, which can take over an hour. MoneyGeek's home insurance calculator helps you save time by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and more to get a rate.
MoneyGeek identified Auto-Owners Insurance as the cheapest choice for homeowners in Olathe, KS. Key factors for home insurance prices include the dwelling coverage you select. Here are the cheapest options:
Auto-Owners Insurance stands out in Olathe for its low costs across all coverage levels and high MoneyGeek score. Opting for the cheapest homeowners insurance in Kansas can significantly help manage finances, ensuring you stay financially sound and well-protected.
| Auto-Owners Insurance | $1,223 |
| Shelter | $1,236 |
| State Farm | $1,444 |
| Allstate | $1,792 |
| American Family | $1,891 |
| Farmers | $1,944 |
| Farm Bureau | $2,065 |
| Nationwide | $2,968 |
Auto-Owners Insurance is the best option in Olathe, KS, for high-value home coverage. High dwelling coverage is crucial for homes with a replacement cost of $750,000 or more, as home insurance costs rise with the home's value.
Auto-Owners Insurance stands out in Olathe for its competitive pricing. According to MoneyGeek, even though Auto-Owners isn't always the top-rated for all criteria, its affordability makes it a popular choice among homeowners in Olathe.
| Auto-Owners Insurance | $4,882 |
| American Family | $4,973 |
| Allstate | $5,678 |
| State Farm | $5,964 |
| Farmers | $6,747 |
| Shelter | $7,735 |
| Farm Bureau | $8,269 |
| Nationwide | $16,563 |
Nationwide is the best option in Olathe, KS, offering the cheapest annual premium for new homes with $100K dwelling coverage.
Nationwide offers the lowest cost for new homeowners insurance in Olathe, though it may not have the highest ratings. It's vital to be adequately covered to meet your needs, not just save on costs.
| Nationwide | $684 |
| Shelter | $732 |
| State Farm | $867 |
| Auto-Owners Insurance | $875 |
| Allstate | $918 |
| Farm Bureau | $1,068 |
| Farmers | $1,436 |
| American Family | $1,477 |
The best cheap homeowners insurance in Olathe depends on your needs. Consider factors beyond premiums, like coverage options and provider reputation. Follow these steps to get the best affordable home insurance:
To understand how much home insurance you need, consider the specifics of your home in Olathe. Think about rebuilding costs, personal property value and liability needs.
Look into insurance companies operating in Olathe. Focus on those with solid financial stability, positive customer feedback and a history of quality service.
After identifying necessary coverages, compare home insurance quotes. In Olathe, $100K dwelling coverage premiums range from $1,223 to $2,968 annually.
Inquire about potential discounts from each provider, such as those for bundling, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can pay if needed.
Enhancing home security with systems and strong locks can lower your home's risk profile and potentially decrease insurance costs.
Keep a good credit score in Olathe, as it can influence your insurance rates. Pay bills promptly and manage debt effectively.
Consider bundling your homeowner insurance with other policies, like auto insurance, to achieve discounts and savings.
The best cheap home insurance provider in Olathe depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Olathe, KS.
The average cost of home insurance in Olathe is $1,374.
The cheapest home insurance company in Olathe is Auto-Owners Insurance, with an annual premium of $1,223.
The best home insurance in Kansas for Olathe residents is from Auto-Owners Insurance, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
