Best Cheap Homeowners Insurance in Kansas City Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: On This Page
eyecrave/Getty Images May 26, 2022 Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. If you own a home in Kansas City, Missouri, purchasing a homeowners insurance policy is important financial protection, even if you own your home outright and are not required by your lender to have a policy in place. Home insurance premiums in Kansas City can be expensive, but some insurance providers offer more affordable rates than others. To help you find the best cheap home insurance in Kansas City, Bankrate’s insurance editorial team analyzed rate data from Quadrant Information Services and used our unique methodology to determine which reputable insurance companies offer below-average premiums. Compare rates and save on home insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Best cheap home insurance companies Kansas City
Based on our study of quoted annual premium data from Quadrant Information Services, we found the top three cheapest home insurance companies in Kansas City are USAA, Auto-Owners and Travelers. These companies have more affordable home insurance premiums than the citywide average, which is $2,610 per year for a policy with $250,000 in dwelling coverage. To provide easy at-a-glance comparison, we also assigned each company a Bankrate Score out of five possible points, which is calculated based on important factors like accessibility, claim handling, coverage options, financial strength and online or mobile tools, in addition to affordability. When comparing cheap home insurance companies, using Bankrate Scores can help you quickly determine which insurers might be worth a quote for your home insurance needs. For example, just because an insurance company offers cheap rates does not mean it also offers the coverage options you need or that it has a reputation for excellent customer service. Affordability is only one factor you’ll want to consider when choosing the best cheap home insurance company for your situation. Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage * 4.8 $1,303 893/1,000 4.3 $1,360 Not rated 3.7 $1,831 852/1,000 3.6 $1,893 855/1,000 4.7 $2,225 876/1,000 *Not officially ranked with J.D. Power due to eligibility restrictions USAA offers home insurance in all 50 states and Washington, D.C., but only past and present armed service members and their eligible family members qualify for coverage. According to research, USAA is the cheapest home insurance company in Kansas City on average. With USAA, you have the option to tailor your home insurance coverage to your needs, choosing from options like , earthquake coverage and home sharing coverage. Although USAA does not meet the eligibility criteria for official ranking in the 2022 J.D. Power U.S. Property Claim Satisfaction Study, it still earned the highest score of the list of the 17 other companies surveyed, showcasing its ability to satisfy customers’ needs. Learn more: Auto-Owners
Auto-Owners is the second-cheapest home insurance provider in Kansas City on average on our list. Although it has highly-competitive rates, Auto-Owners did not rank in the 2022 J.D. Power Property Claim Satisfaction Study. With Auto-Owners, Kansas City homeowners can take advantage of various unique add-on coverage options, like inland flood coverage and guaranteed replacement cost coverage. A variety of discounts are also available for further savings. Auto-Owners does not offer online quotes, so you will need to call an agent to get a quote and buy a policy. Learn more: Like many homeowners insurance carriers in Kansas City, Travelers offers multiple endorsements for extra protection, including special personal property, replacement cost protection, high-value items floaters and coverage for green homes. There are also multiple discounts available if you are looking to lower your premium. Overall, Travelers stands out for its coverage and discounts, although it was rated below-average in the 2022 J.D. Power Property Claim Satisfaction Study. Learn more: When you hear AAA, roadside assistance may be the first thing to come to mind. However, AAA also offers a variety of insurance products to members, including home insurance. AAA offers several endorsements and a variety of discounts with savings for retired homeowners, burglar and fire alarms, newly renovated homes and newly built homes. In addition, AAA members can qualify for an additional discount when insuring their home. However, AAA does not have the best third-party ratings. Namely, it was rated below average in customer satisfaction by J.D. Power, which contributed to it having the lowest Bankrate Score out of the five providers we reviewed. To gain access to AAA insurance, you must be a member, which also incurs a small annual fee. Learn more: State Farm’s average home insurance premium is the highest on our list, but is still cheaper than Kansas City’s citywide average premium. For homeowners who are looking for a lower rate, State Farm offers a handful of discounts with savings for having an impact-resistant roof, bundling your policies and installing home security devices. However, State Farm has fewer discounts than many of its competitors. In addition, State Farm only has a few add-on coverage options available for policy building. For property claims satisfaction, State Farm received an above-average score from J.D. Power. Learn more: Home insurance coverage options in Kansas City
The most common standard home insurance policy provides dwelling, personal property, liability, medical payments and additional living expense coverage. Basic policies provide coverage for many of the losses you might face as a homeowner, but not all perils are covered. To fill gaps in your coverage, most home insurance carriers sell a variety of endorsements, or add-on policies, that provide more comprehensive protection. Here are some of the add-ons that can be beneficial for Kansas City homeowners: : Although Kansas City is not located near a body of water, flash flooding is a possibility after rain storms. Because home insurance policies exclude coverage for flood damage, you may want to consider purchasing a separate flood insurance policy. : If you keep valuable items in your home, such as art, fine jewelry or collections, you may want to look into adding a scheduled personal property endorsement to your home insurance policy. This type of coverage raises your policy limit for expensive items, which typically have limited coverage under a standard home insurance policy. : It’s becoming increasingly common for home insurance companies to sell identity theft insurance, which will pay for things like credit monitoring, legal fees, help replacing your social security card and other types of professional guidance that might be necessary for identity restoration. Home insurance discounts in Kansas City
Discounts for homeowners insurance vary by company in Kansas City, so it may be necessary to get multiple quotes to find the best cheap home insurance coverage. Most insurers allow discounts to be stacked together for added savings. Multi-policy: Also called bundling, insuring your home and auto with the same company may qualify you for savings on both policies. Claims-free: The longer you go without filing a claim on your home insurance, the more likely you are to qualify for this discount. Monitored alarms: Monitored alarms may help emergency services respond more quickly to situations like burglaries or fires, which could reduce the need for large claims. Because of this, insurance companies often offer a discount if you have a centrally monitored alarm. Home improvements: Updating your electrical wiring, improving your plumbing systems or adding a new roof may also reduce how much you pay for homeowners insurance. If you plan to make a home improvement, check with your home insurance company to see if it will qualify for a discount. Although not a discount, you may be able to save on your home insurance by increasing your deductible. Your deductible is the amount of money you will pay out of pocket if you file a claim. If you are willing to pay more, your premium will generally be lower. Keep in mind that it’s important to choose a deductible amount that you can afford to pay if you do have to file a claim. Frequently asked questions
What is the best home insurance company
The in Kansas City for you is the one with the right coverage options for your needs. One of the best ways to find the company that is best for you is to get multiple quotes and compare the coverage options. You may also want to consider a company’s discounts, digital tools, financial strength and customer satisfaction scores.
How much does home insurance in Kansas City cost
In Kansas City, the average cost of home insurance is $2,610 per year for a policy with $250,000 in dwelling coverage. For comparison, the average annual home insurance premium in Missouri is $1,647, and the U.S. national average premium is $1,383 per year. However, home insurance rates are highly-personalized, so your rate could be higher or lower than average based on your unique circumstances.
How much home insurance do I need in Kansas City
If you have a mortgage, you will likely be required to carry at least enough dwelling coverage to pay off your loan if your home is destroyed. You should also consider how much your home will cost to rebuild if it is destroyed, as well as considering your personal property limit and your liability limit. Working with an agent is often one of the best ways to determine the amount of coverage you need. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes may be different. Bankrate Score
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. SHARE: Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Related Articles