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Kansas City's Most Affordable Home Insurance - Home Insurance


Nearly 67% of Missouri residents own their homes. Home insurance is not a legal requirement like auto insurance, but it is an important part of financial planning. In Kansas City, the average homeowner with $250,000 in homeowners insurance pays $1,713 a year on homeowners insurance.

Like auto insurance, home insurance needs and prices vary. The Asegranzas para Negocios insurance editorial team found the best home insurance companies in Kansas City by analyzing average premiums, financial stability, available coverage, rebates, and customer satisfaction scores. analyzed the company.

Best cheap home insurance company in kansas city.

To find the cheapest home insurance in Kansas City, I first checked Quadrant Information Services’ current premiums. Then, to find the best cheap home insurance company for Kansas City homeowners, we looked at home insurance costs, third-party ratings, coverage and discount options to compare each company.

home insurance company Average Annual Household Premium $250,000 JD power score
united states of america* $1,250 889 / 1,000
statewide $1,636 829 / 1,000
Traveler $1,652 803 / 1,000
AAA $1,707 825 / 1,000
district farm $1,784 829 / 1,000

*USAAs are not eligible for formal JD Power classification due to eligibility restrictions.

USAA

USAA provides auto and home insurance in all 50 states and Washington, DC, but only for former and current military service members and their families. USAA is the sixth largest home insurance company in Missouri and has the lowest average home insurance rate in Kansas City of any provider on the list. Customize your USAA Household Insurance coverage to meet your needs and add options such as identity theft protection, earthquake protection, community insurance coverage and more. USAA did not meet the official grading criteria for JD Power’s 2020 U.S. Home Insurance Survey due to eligibility restrictions, but the company scored more points.

statewide

Allstate offers a number of additional coverages that you can use to customize your policy. Allstate homeowners insurance can add coverage for electronic data recovery, expensive personal items such as musical instruments, and lawn and garden supplies. Allstate is ranked 6th in the JD Power survey and is the 7th largest home insurance company in Missouri. The company has nine of his representatives in the Kansas City area, which is attractive if you want to address your insurance needs directly.

Traveler

Like many companies in Kansas City, Travelers offers auto and home insurance that you can save by combining insurance. Travelers allows homeowners to purchase additional coverage to further protect themselves and their homes. These coverages include special personal property, replacement cost protection, large fluctuations in value, and green home coverage. Travelers also have an Alexa skill that provides tips, reminders, and more without logging into an account or calling an agent.

AAA

When you hear AAA, you may think of roadside assistance, but AAA also offers auto insurance, home insurance, and life insurance. AAA members are eligible for additional discounts with company insurance on their home and vehicle, and can save even more by combining the two policies. Kansas City also offers lower home insurance premiums because there are no claims. Seniors can get additional discounts on AAA homeowners insurance.

district farm

State Farm is Missouri’s largest home insurance company, with a market share of 25%. State Farm has the highest premium on the list and is the only policy higher than the average Kansas City premium, but the insurance company offers some discounts. Kansas City residents can take advantage of State Farm’s Impact Resistant Compensation Discount and Housing Alert Discount. At State Farm, you work directly with a dedicated agent who provides personalized service to help tailor the right ownership package to your needs.

Kansas City home insurance options

Unlike auto insurance, home insurance is generally not required by law, but your lender may seek coverage if you have a mortgage or loan. Even without a loan, many homeowners want homeowners insurance to protect their most important assets. Kansas City residents can consider the following coverage options to protect their homes.

  • Apartment covers: This coverage is one of the basic coverages of home insurance. Home insurance provides financial protection if your home is damaged by an insured event.
  • Coverage for personal property: This section of the policy covers personal belongings such as clothing and furniture. It is also standard coverage on most home insurance policies.
  • Additional living expenses: If a damages claim prevents you from living in your home while it is being repaired, additional cost of living coverage will allow you to live elsewhere. Additional living expenses also include other expenses such as: B. LAUNDRY FEES.
  • Hail and Tornado Range: Missouri has one of the highest tornado risk areas in the country. Strong storms bring hail and strong winds that can cause significant damage to homes and property. It may be helpful to speak with your agent to ensure your policy covers such storms.
  • Personal liability insurance: This coverage is also standard on most homeowners policies and is designed to provide financial protection if you are found guilty of injury or damage to someone else’s property.

In addition to standard homeowners insurance coverage, most companies offer endorsements to help extend your coverage. Options that Kansas City residents may consider include water backup coverage, earthquake coverage, and identity theft coverage.

Kansas City Home Insurance Discounts

Home insurance discounts vary from Kansas City company, so it’s worth getting multiple quotes to find the cheapest home insurance. Most discounts can be stacked for even more savings.

  • Various policies: Also known as pooling, having your home and car insured by the same company can potentially save you money on both.
  • No claim: how much The longer you stay without a home insurance claim, the more you save with this discount.
  • Monitored Alarms: Alarm The monitored information helps emergency services respond quickly to situations such as theft or fire, which can lead to small actions. So insurance companies often offer discounts when there are centrally monitored alarms.
  • Home Mods: Electrical upgrades, plumbing upgrades, or installing a new roof can also reduce your home insurance payout. If you’re planning on renovating your home, check with your insurance company to see if you’re eligible for a discount.

It’s not a discount, but you can save on your home insurance by increasing the deductible. Your deductible is the amount you have to pay the damage out of your own pocket. If you are willing to pay more, your premium will usually be lower. If you need to claim, we recommend choosing a level you can afford.

Frequently Asked Questions

Where is the best home insurance?

As the best insurer, Kansas City Residential offers coverage options that fit your needs. One of the best ways to find the best company for your needs is to get multiple quotes and compare coverage options. You can also consider company discounts, digital tools, financial strength, and customer satisfaction scores.

How much is home insurance in Kansas City?

Based on a $250,000 homeowners policy, Kansas City residents pay an average of $1,713 a year for homeowners insurance. The average cost of home insurance in the US is $1,312 for the same coverage. Your premium will vary depending on the age of your home, the amount of homeowners insurance you need, your damage history, and any renovations to your home.

How much home insurance do you need in Kansas City?

If you have a mortgage, you should at least have enough homeowners coverage to pay off your loan if your home is destroyed. If your home is destroyed, you should consider how much it will cost to rebuild your home, as well as personal ownership limits and limitations of liability. Working with an agent is often one of the best ways to determine the coverage you need.

methodology

Business Insurance uses Quadrant Information Services to verify 2021 rates for all zip codes and carriers in all 50 states and Washington DC. Rates quoted are based on male and female homeowners in their 40s with no claim history, good credit, and the following coverage limitations:

  • Cover A, Residence: $250,000
  • Cover B, other structures: $25,000
  • Cover C, private property: $125,000
  • Cover D, disabled: $50,000
  • Cover E, Liability: $300,000
  • F Compensation, medical expenses: $1,000

Owners also have a $1,000 deductible and separate deductibles for wind and hail (if required).

These are sample rates and should only be used for comparison purposes. Offers may vary.

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