Get multiple home insurance quotes in 66523. Our licensed 66523, KS agents are ready to serve you.

66523, KS Homeowners Insurance Rates

With a population size of 3,722 and with 1,556 occupied homes in the 66523 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Osage City, KS are around $1,148 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Osage City, Kansas. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-913-276-4017 so we can help you review rates today!

It's important to know that if your Kansas home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Osage City, KS.

For Kansas home insurance information, including average Osage City home insurance rates, coverage options or the different homeowners insurance types, please select Osage City, KS Home Insurance Quotes Now!

66523 Home Insurance Average Premiums

Local 66523 homeowners insurance quotes comparison

$898 /yr.

Shows Zip Code: 66523 lowest rates with discounts applied on average.

For the 66523, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$898 /yr.
Average Coverage:$1148 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1448 /yr.

What is the average home insurance cost for a home in 66523?

  • • The average homeowners insurance premium paid annually for a home in 66523 is around $1148 per year.

What does it cost on average per month for home insurance in 66523?

  • • Homeowners in 66523 pay a monthly average cost per month around $96.00.

What kind of discount could I get if I combine my home and auto insurance together in 66523?

  • • Autoowners in 66523 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Osage City area, check out other zip codes nearby 66523.
Review average rates in another zip code:
66523 homeowners insurance rates

Home Replacement Cost Coverage in 66523

Average Building Cost Per Square Foot in 66523: $126

Location: Osage City, Kansas (Osage County)

Average Square Footage in 66523: 1,093 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 66523 before you start any project. Osage City homeowners pay on average around $126 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 66523 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 66523 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,093 sq. ft. and the average cost to rebuild the home in this area is around $126 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Osage City area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1261,093$137,700
Additional Upgrades & Added Features$1581,093$172,125
Major Home Updates or Advancements$1891,093$206,550

It's important to understand that when you estimate your replacement cost of your home in the 66523 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 66523

Farm Bureau Financial Services - Joe Getsinger

Address: 509 Market St # 242 Osage City, KS 66523
Phone: (785)528-4112
Website: www.fbfs.com

Farm Bureau Financial Services - Steve Haller

Address: 509 Market St # 242 Osage City, KS 66523
Phone: (785)528-4112
Website: www.fbfs.com

Best Home & Auto Insurance Agencies in 66523

Farmers Insurance Group - Burlingame

Address: 407 Market St Osage City, KS 66523
Phone:
Website: http://www.farmers.com
Info: Auto Insurance Quotes | Home, Life & Car Insurance | Farmers Insurance
Home, life and auto insurance quotes from Farmers Insurance Group. With discounts on car insurance and fast claim service its no wonder over 4000 customers a day switch to Farmers. Farmers Insurance group, auto insurance quotes, car insurance, auto insurance, automobile insurance, rate quote, business insurance, financial insurance, home insurance, mutual funds, life insurance, motorcycle insurance, farmers agent, renters insurance,

American Family Insurance- Glyn Day

Address: 507 Market St Osage City, KS 66523
Phone:
Website: http://www.apps.amfam.com/agentlocator/?sourceid=yp3
Info:

Dick Wentzel Ins Agency Inc - State Farm Insurance Agent

Address: 618 Market St Osage City, KS 66523
Phone:
Website:
Info:

Housing Demographics for 66523

Population Review for 66523 Zip Code

For the city of Osage City, the population within 66523 has increased to over 3,889 residents in population size. The current population total is 3,722. We have broken down the population based on race below. In 66523, there are over 1826 in male population and 1896 females.

PopulationValues
Total Population3,722
White Population3468
Black Population15
Hispanic Population122
Asian Population14
Hawaiian Population0
Indian Population15
Other Population42
Male Population1826
Female Population1896
Population Estimate3889

Household Data for 66523

The average number of homes in 66523 is around 1,556, there are an average of 2.35 per household. The average house value according to local real estate values is around $137,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,556
Persons Per Household2.35
Average House Value$137,700
Income Per Household$58043
Median Age43.7
Median Age Male40.4
Median Age Female46.3
66523 DetailsValues
StateKS
State Full NameKansas
City TypeP
City Alias Abbreviation
Area Code785
CityOsage City
City Alias NameOSAGE CITY
CountyOsage
County FIPS139
State FIPS20
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA45820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTopeka, KS
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses88
Number Of Employees808
Business First Quarter Payroll5301
Business Annual Payroll24315
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population233870
CBSA Division Population0
Congressional District02
Congressional LandArea14143.34
Delivery Residential1655
Delivery Business112
Delivery Total1861
Preferred Last Line KeyW21155
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW21155
Land Area153.053000
Water Area7.700000
City Alias Code
City Mixed CaseOsage City
City Alias Mixed CaseOsage City
Box Count49
SFDU1475
MFDU65
State ANSI20
County ANSI139
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number196842
Unique ZIP Name
SSA State County Code17690
Medicare CBSA Code45820
Medicare CBSA NameTopeka, KS
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseOsage

Kansas Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]