Kansas City Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Kansas City


A critical consideration for every homeowner should be home insurance. Along with your personal property, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- having a home insurance policy is a wise investment.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more information about what a home insurance policy covers.

Finding cheap home insurance in Kansas City starts with shopping around and comparing policies. Check out the below summary of average home insurance rates in Kansas City to begin your home insurance search with as much info as you can. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Kansas City, Missouri, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Kansas City by insurance company

What you pay for homeowners insurance in Kansas City will depend on the insurance company you get your policy through. State Farm offers the most affordable home insurance in Kansas City, at just $1,741 per year. This compares favorably to the city’s average homeowners premium of $2,531.

Take a look at the cheapest insurance companies in Kansas City, Missouri to find the right home policy for you.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN KANSAS CITY
CompanyAverage Annual Rate
State Farm$1,741
AAA$1,869
Liberty$1,912
USAA$2,101
Nationwide$2,102

Average homeowners insurance costs in Kansas City by coverage level

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. In Kansas City, carrying $200K dwelling coverage costs an average of $1,803, while carrying additional coverage up to $400K costs $3,043/year.


HOMEOWNERS INSURANCE RATES IN KANSAS CITY — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,803
$400K Dwelling$3,043

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Kansas City home insurance prices by ZIP code

Not every area of Kansas City has equal home insurance premiums. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the location of your house can dramatically impact your home insurance premium.

If you're looking for the cheapest home insurance premiums in Kansas City, take at look at the 64136 ZIP code. In the 64136 area, homeowners coverage usually costs just $2,328 per year, which isa full $202 less than the overall average for Kansas City. Find the best places to live in Kansas City for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN KANSAS CITY
ZIP CodeAverage Annual Home Insurance Rate
64136$2,328
64152$2,335
64119$2,336

Other areas of Kansas City, however, face homeowners rates that surpass the city average . Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up the area's insurance costs. The most expensive ZIP code for homeowners insurance in Kansas City is 64108, where the average annual rate is $2,813.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN KANSAS CITY
ZIP CodeAverage Annual Home Insurance Rate
64108$2,813
64124$2,801
64123$2,789



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Money-saving tip for home and auto insurance in Kansas City: bundling

You might want to consider bundling your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Kansas City leads to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN KANSAS CITY
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$999
American Family$1,089
Allstate$1,288
Farmers$1,300
Progressive$1,441

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. To speak with an insurance expert, call 855-493-9728 today.


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