Best homeowners insurance in Kansas City

The average homeowners insurance rate in Kansas City is $2,188. Read for our guide to the best companies, policy cost, and coverage considerations in the Kansas City area.

Pat Howard 1600

Pat Howard

Published March 20, 2020

KEY TAKEAWAYS

  • The highest-rated home insurance company in Kansas City is USAA

  • The average annual premium for a home in Kansas City is $2,188

  • Kansas City residents should ensure their homes are fully insured and protected against disasters like hail storms and tornadoes

Homeowners insurance is a type of financial protection that covers your home, personal property, additional living expenses, and legal expenses in the event that something bad happens. If you’re one of 53% of Kansas Cityans who owns a home rather than rents, you’ll want to make sure that your dwelling is equipped with a comprehensive homeowners insurance policy.

Missouri is positioned fairly close to Tornado Alley — a term for the area of the country that generally sees the most twisters on average — with 81 tornadoes in 2019 alone, 67 of which occurred in the months of March, April, and May. The state also experiences frequent hail storms.

It goes without saying that tornado and hail can cause immense damage and destruction to your home and personal belongings — Kansas City homeowners should ensure their home policy is comprehensive enough to fully replace their property in the event of a disaster. Residents should also consider increasing coverage limits on the dwelling and additional living expenses portions of their policy in the event rebuild costs skyrocket or a catastrophe forces you to find temporary lodging for an extended period of time.

IN THIS ARTICLE

Best homeowners insurance companies in Kansas City

When selecting a homeowners insurance policy, you’ll want to look at far more than simply the cost of coverage. Consider the insurer’s financial standing with credit agencies like A.M. Best, customer service and claims ratings with J.D. Power, and the price for the level of coverage you’re getting, amongst other factors. Companies that offer enhanced home rebuild protection like extended replacement or guaranteed replacement cost will offer more peace of mind for Kansas City homeowners than a company that only has standard replacement cost coverage provisions.

The table below looks at the 10 most popular insurers (companies with the highest market share) in Kansas, along with respective A.M. Best ratings, J.D. Power ratings, and Policygenius full-scale company ratings. Here’s more information about the Policygenius home insurance reviews methodology.

CompanyA.M. Best RatingJ.D. Power ScorePolicygenius rating
AllstateA+3/57.4
American FamilyA3/5N/A
Automobile Club GroupA-3/5N/A
FarmersA3/57.5
NationwideA+2/57.7
SafecoA+2/57.3
Shelter InsuranceA+N/AN/A
State FarmA++4/58
TravelersA+2/57.7
USAAA++5/58.7

Be sure to check out our guide on the best homeowners insurance companies in the country

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Average homeowners insurance rates in Kansas City

The average annual cost of homeowners insurance in Kansas City is $2188, according to Policygenius quotes. That makes rates in Kansas City higher than the Missouri statewide average of $1,285, but keep in mind that home rebuild costs — specifically labor and construction materials — generally cost more in population-dense areas like Kansas City than other regions of the state.

As you can see, the cheapest area to insure your home is Park Forest, while Terrace Lake Gardens has the highest rates, according to our quotes.

Neighborhood (ZIP code)Average annual premium
Tower Homes (64114)$2,246
Marlborough East (64132)$2,009
Terrace Lake Gardens (64137)$2,690
Park Forest (64153)$1,805

Kansas City homeowners insurance guide

Kansas City is home to the country’s best sauce-heavy barbeque, the world’s best football team, and an incredible jazz music scene. The Kansas City region also attracts some pretty vicious tornadoes, hail storms, and flood disasters due to heavy rainfall inundating the Missouri and Kansas Rivers.

Kansas City homeowners should consider extended rebuild coverage for their home in the event a tornado takes out an entire block and rebuild costs skyrocket. Since flooding isn’t covered by standard homeowners insurance, Kansas City residents will also want to consider a separate flood insurance policy or flood add-on for their home insurance policy.

Is homeowners insurance required in Kansas City?

Homeowners insurance is not required by law in Kansas City, but most mortgage lenders will require that you get homeowners insurance and maintain coverage throughout the duration of the mortgage.

Homeowners insurance resources for Kansas City residents

About the author

Insurance Expert

Pat Howard

Insurance Expert

Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.

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