Kansas City, MO Homeowners Insurance
Find out more about homeowners insurance rates, trends and info in KC.
Find out more about homeowners insurance rates, trends and info in KC.
Among the most important aspects of owning a home is homeowners insurance. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing damages to a home -- purchasing home insurance is a smart investment.
The price of a home insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Discover more information about the specifics of home insurance coverage.
If you want to find affordable home insurance coverage in Kansas City, start with looking around and comparing different policies. Have a look at the summary below comparing average Kansas City home insurance premiums to ensure you start your search with as much background info as possible. 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.
Homeowners insurance rates in Kansas City vary from one insurance company to another. 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 premium of $2,531.
Have a look at the cheapest insurance companies in Kansas City, Missouri, to find the best home policy for you.
| Company | Average Annual Rate |
| State Farm | $1,741 |
| AAA | $1,869 |
| Liberty | $1,912 |
| USAA | $2,101 |
| Nationwide | $2,102 |
Your chosen level of homeowners coverage impacts the insurance premiums you pay. In Kansas City, carrying $200K dwelling coverage costs an average of $1,803, while carrying additional coverage up to $400K costs $3,197/year.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $1,217 |
| $200K Dwelling | $1,803 |
| $250K Dwelling | $2,217 |
| $400K Dwelling | $3,197 |
Not every area of Kansas City has equal home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.
If you're looking for the most affordable homeowners insurance premiums in Kansas City, take a look at the 64136 ZIP code. In the 64136 area, homeowners coverage usually costs just $2,328 per year on average — a full $202 less than the overall average for Kansas City. If you’re looking for the neighborhoods with cheap homeowners premiums in Kansas City, review the below table.
| ZIP Code | Average 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 citywide 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.
| ZIP Code | Average Annual Home Insurance Rate |
| 64108 | $2,813 |
| 64124 | $2,801 |
| 64123 | $2,789 |
Among the plethora of options faced by homeowners shopping for insurance is how high to set their deductible. The deductible is the total amount that the insured must contribute toward a covered loss. Choosing where to set your deductible impacts how much you pay for your coverage.
In short, having a higher deductible leads to cheaper insurance costs. Therefore, if you are wanting lower home insurance rates, it pays to keep your deductible higher. Keep in mind that your deductible should only be set as high as you can reasonably afford in the event of a covered loss.
The following table reveals the typical rates affiliated with standard homeowners deductibles.
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $2,411 |
| $1,000 | $2,217 |
| $1,500 | $2,106 |
| $2,000 | $2,011 |
| $5,000 | $1,707 |
If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Kansas City could, in fact, lead to average annual savings of 12%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| GEICO | $999 |
| American Family | $1,089 |
| Allstate | $1,288 |
| Farmers | $1,300 |
| Progressive | $1,441 |
Bundling your homeowners and auto policies can be a great way to save some money on insurance.
