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Best Homeowners Insurance in Kansas City

Nov. 19, 2019, 10:57 p.m.

Homeowners insurance is important to having security and peace of mind in Kansas City, which is prone to extreme weather and relatively high crime. Our partners at ConsumerAffairs compared rates and reputations from national and local companies to find the best home insurance in Kansas City. These leaders offer great rates and service for residents.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KSHB may receive compensation from our partners. Learn more.

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#1
EverQuote

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EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Kansas City
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#2
Progressive
Progressive
Features
  • 24/7 service
  • Get quotes online
  • Quote in advance discount
  • New purchase discount
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Location
1930 S. 45th St.
Kansas City, KS 66106
(913) 202-6600
#3
GEICO
GEICO
Features
  • Online quotes
  • Multi-policy discounts
  • Online claims reporting
  • Landlord insurance policy
Read More
Location
11532 W. 95th St.
Overland Park, KS 66214
(913) 681-3200
#4
State Farm
State Farm
Features
  • Visit agent for quote
  • Roofing discounts
  • Multi-policy discounts
  • Manufactured home policy
Read More
Location
2603 Burlington St.
North Kansas City, MO 64116
(816) 221-3840
#5
Matrix Insurance
Matrix Insurance
Features
  • Locally owned & operated
  • Sells many insurance types
  • Get quote online
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Location
4208 Rainbow Blvd.
Kansas City, KS 66103
(913) 515-2222
#6
Abbott Insurance
Abbott Insurance
Features
  • Locally owned & operated
  • Sells many insurance types
  • Online scheduling
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Location
8117 N. Oak Trfy.
Kansas City, MO 64118
(816) 452-8810
Jenkins & James Insurance
Jenkins & James Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • jenkinsandjames.com
Location
5814 N. Oak Trfy.
Kansas City, MO 64118
(816) 453-8555
Allstate Insurance Agent: Kelly Benbow
Allstate Insurance Agent: Kelly Benbow
Features
  • M-F: 8:30am - 5pm
  • Sat: 9am - 1pm
  • Closed Sun
  • allstate.com/kelly-benbow-kansas-city-mo.html
Location
221 E. Gregory Blvd., Ste. B
Kansas City, MO 64114
(816) 333-3611
Demasters Insurance
Demasters Insurance
Features
  • M-F: 9:30am - 5:30pm
  • Sat: 10am - 2pm
  • Closed Sun
  • kcinsurance.com
Location
1130 Westport Rd.
Kansas City, MO 64111
(816) 531-1000
Platinum One Insurance Agency
Platinum One Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • platinumoneinsurance.com
Location
11020 King St., Ste. 108
Overland Park, KS 66210
(913) 451-4800
Northland Independent Insurance Group
Northland Independent Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • northlandindependentgroup.com
Location
5575 NW Barry Rd.
Kansas City, MO 64154
(816) 587-1826
American Family Insurance Agent: Robert Redmond
American Family Insurance Agent: Robert Redmond
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • amfam.com
Location
6315 Brookside Plz., Ste. 104
Kansas City, MO 64113
(816) 361-8600
Bargain Insurance Connection
Bargain Insurance Connection
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 1pm
  • Closed Sun
  • bic-agent.com
Location
2635 NE Vivion Rd.
Kansas City, MO 64119
(816) 453-7722
Prime Insurance
Prime Insurance
Features
  • M-F: 8am - 4:30pm
  • Closed Sat and Sun
  • primeinsurancekc.com
Location
5 Victory Ln., Ste 102
Liberty, MO 64068
(816) 479-0595
Dennis McLaughlin Insurance Agency
Dennis McLaughlin Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • dmi-insurance.net
Location
406 W. 34th St., Ste. 802
Kansas City, MO 64111
(816) 931-3341
Antioch Insurance Agency
Antioch Insurance Agency
Features
  • M-Th: 9am - 5pm
  • Fri: 9am - 4pm
  • Sat-Sun: service center available 24 hrs.
  • antiochinc.com
Location
214 NE Barry Rd.
Kansas City, MO 64155
(816) 454-0400

How to choose homeowners insurance in Kansas City

kc home insurance skyline

Homeowners insurance covers property and personal damage in case anything catastrophic happens to your home or personal belongings. Fortunately, filing a claim is a rarity—only 5.3 percent of insured homes did so in 2016. Homeowners insurance is not required by law in either Kansas or Missouri, but most mortgage lenders require it before providing a loan.

Keep in mind that the age of your home and its neighborhood impact your monthly premium. Homes in high-crime areas such as Westport and Beacon Hill, and homes in older neighborhoods including Pendleton Heights and Quality Hill, are charged more for insurance.

Average home insurance rates in Kansas City

Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Brookside, MO 64113 $1,782 $3,166 $4,576
West Plaza, MO 64112 $2,213 $4,014 $5,754
Waldo, MO 64114 $1,733 $3,158 $4,567
Crossroads, MO 64108 $2,329 $4,226 $6,057
Turner, KS 66106 $1,669 $2,782 $3,711
Armourdale, KS 66102 $1,810 $2,998 $4,005

Note: Based on dwelling amounts above with a constant $1,000 deductible and $100,000 liability.

According to our research, rates in Kansas City, Kansas, are often cheaper than those in Missouri. We believe this is because inventory is less expensive and crime rates are lower. KCK is closer to the nationwide average premium of $1,173.

Kansas City homes can face extreme weather, which greatly increases premiums. In fact, according to an Insurance Research Council study, homeowners insurance companies pay up to 63 percent more for claims here due to catastrophes, such as tornadoes, or expensive commonalities like damage from frozen pipes.

The rapid rise in claims and increasing insurance costs in KC has multiple causes, including:

  • Size and complexity of new homes
  • Severity of storms
  • Increase in cost of oil-based building material

Option coverage - When purchasing home insurance in Kansas City, there are a few liabilities and hazards home buyers should consider adding to their policies as well as purchasing more insurance to cover their needs.

Flood insurance - In recent years, Kansas City has been hit hard by flooding. Because residents in both KCMO and KCK often live in high-risk flood areas, many are eligible to get discounts on flood insurance, ranging from 10 to 20 percent. Homes along Indian Creek, Brush Creek, including South Plaza and Manheim Park, are at the highest risk of flooding and will often be required to purchase flood insurance. Although not enforced, those in low-risk flood zones should also consider flood coverage.

Earthquakes - Although not considered a high-risk earthquake zone, Missouri is the third largest market for earthquake insurance in the U.S. behind California and Washington.

Windstorms - Designed specifically to cover damages by high winds, windstorm insurance is a good idea for Kansas City residents. Kansas sees an average of 92.4 tornadoes per year while Missouri has 46.7. Windstorm insurance will make sure you are covered anywhere in Tornado Alley.

Progressive

Progressive

As a trusted name in insurance, Progressive is a safe choice for homeowners. Using its HomeQuote Explorer, customers can compare rates and coverage from multiple companies to make sure you're getting the best deal on your insurance package. Discounts are available for those with alarm systems and safety devices, and Progressive auto insurance holders as well.

GEICO

GEICO

GEICO offers top-quality coverage at an affordable rate. As a nationwide company, licensed agents are available to answer questions at all times. Geico opened a service center in Lenexa, a Kansas City suburb, which employs more than 500 people - meaning your agent could be just down the highway.

State Farm

State Farm

With 26 State Farm agents in KC, finding an agent to walk you through the process is a breeze. This can simplify the process and help you secure the best deal based on your specific needs. State Farm also writes more homeowners insurance policies than any other carrier in the US—a testament to its customer care.

Matrix Insurance

Matrix Insurance

As a local insurance option, Matrix Insurance provides excellent customer service and is focused only on those in the KC area. Reviewers say Matrix is “convenient,” “amazing,” and “professional.” One reviewer said he would give Matrix 100 stars if he could.

Abbott Insurance

Abbott Insurance

Abbott Insurance, located in KC, partners with multiple companies to provide customers in the area competitive rates on their insurance options. Abbott has been providing insurance to KC residents since 1998 and holds an A+ rating with the Better Business Bureau. Reviewers say Abbott agents were helpful and caring and provide great service.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.