How Much Does Renters Insurance Cost in Overland Park, KS?
Overland Park pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Overland Park's diversified economy.See our methodology
Renters Insurance Pricing in Overland Park, KS
Overland Park offers near-average pricing for renters insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 195K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Overland Park: moderate cost of living keeps contractor rates affordable.
Overland Park has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Overland Park vs National Average
What Affects Renters Insurance Cost in Overland Park?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Overland Park Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Renters Insurance Pros in Overland Park, KS
5 providersElite Contractors
⭐ PREMIUMServing Overland Park and surrounding areas since 2014. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Restoration
⭐ PREMIUMServing Overland Park and surrounding areas since 2017. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro HVAC Solutions
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Tips to Save on Renters Insurance in Overland Park
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Overland Park Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Overland Park
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Overland Park than other cities?
Overland Park's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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