Olathe

About Olathe

Insurance in Olathe, KS

Inszone writes insurance in Olathe, KS from our office at 1310 E Park Street. Olathe was founded in 1857, and the Mahaffie House, a stop on the Santa Fe, Oregon and California Trails, still stands in the city.

Clients who know this office by its old name will find Insurance Resources Group in Olathe here, the agency founded in 1996 and now part of Inszone. It wrote home, auto, business and life insurance for households and employers in Olathe, and this office continues that work.

Our insurance in Olathe, KS represents many carriers rather than one. That lets an Insurance Specialist compare markets for the household and the business at each renewal.

Buy your insurance in Olathe, KS!

Personal Insurance in Olathe, KS

Kansas requires liability limits of at least $25,000 per person, $50,000 per accident and $25,000 for property damage, which is where auto insurance in Olathe, KS starts. Kansas is a modified no-fault state, so personal injury protection is required, and uninsured and underinsured motorist coverage is required at your bodily injury limits. An Insurance Specialist can show how the required and optional coverages compare on a quote.

Home insurance in Olathe, KS starts with the wind and hail deductible. The Kansas Insurance Department’s shopper’s guide notes that homeowners policies generally carry a separate wind and hail deductible of 1% to 2% of the amount of insurance on the structure, while other perils use a flat dollar deductible. On a $300,000 dwelling limit, a 2% deductible is $6,000 per claim.

Flood, earthquake and sewer backup are excluded from the standard homeowners form, so they are quoted separately. Renters, condo and landlord policies, umbrella liability and recreational vehicles are quoted through Inszone’s personal lines team. Life and health insurance are quoted through Inszone’s wider team, and an Insurance Specialist can explain the options for an individual or a household.

Business Insurance in Olathe, KS

Business insurance in Olathe, KS usually begins with general liability, commercial property and a business owner’s policy, with commercial auto and workers’ compensation added as vehicles and payroll grow. A contractor, a professional office and a retail shop raise different questions, which is why an independent agency can compare more than one market.

Kansas ties workers’ compensation to payroll rather than headcount, so an employer with more than $20,000 in gross annual payroll needs coverage. Certain agricultural pursuits and qualifying real estate independent contractors are exempt, and sole proprietors, partners and LLC members are outside the requirement, though their employees still count toward payroll. An Insurance Specialist can go through how the rule applies to your business.

Inszone Insurance agency near me

Call 913-768-0008, use the quote form on this page, or come by 1310 E Park Street. Our Olathe, KS insurance office is open Monday to Friday, 8:30am to 5:00pm, with weekends by appointment.

We work with households and businesses in Olathe and nearby Kansas communities. Whether you are checking a wind and hail deductible, comparing required auto coverages or insuring a small business, our Insurance Specialists can talk through the options available for your situation.

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FAQs

Is this the same office that was Insurance Resources Group?

Yes. Insurance Resources Group, Inc., founded in 1996 in Olathe, is now part of Inszone Insurance, and this office is at 1310 E Park Street. Call 913-768-0008 and the team can go through your policies.

What are the minimum auto insurance requirements in Kansas?

Kansas requires liability limits of at least $25,000 per person, $50,000 per accident and $25,000 for property damage. Kansas is a modified no-fault state, so personal injury protection is mandatory, and uninsured and underinsured motorist coverage is required at your policy’s bodily injury limits.

Why is my wind and hail deductible a percentage?

Because Kansas homeowners policies generally carry it that way. The Kansas Insurance Department’s shopper’s guide notes a separate wind and hail deductible of 1% to 2% of the amount of insurance on the structure, while all other perils use a flat dollar deductible. On a $300,000 dwelling limit, 2% is $6,000. Flood, earthquake and sewer backup are separately excluded from the standard form.

Does my Olathe business need workers’ compensation insurance?

Kansas ties the requirement to payroll rather than headcount, so employers with more than $20,000 in gross annual payroll need coverage. Certain agricultural pursuits and qualifying real estate independent contractors are exempt, and sole proprietors, partners and LLC members are outside it, though their employees still count toward payroll. A specialist can confirm how the rule applies to your business.

Does the Olathe office quote life and health insurance?

Life and health insurance are quoted through Inszone’s wider team. Call 913-768-0008 and the Olathe office can point you to the right specialist for an individual, a household or an employer.

How do I get a quote from your Olathe, KS insurance office?

Call 913-768-0008 or use the quote form on this page, or come by 1310 E Park Street if you would rather do it in person. For a home or car, have your current declarations page to hand; for a business, your revenue, payroll by class and recent loss runs.