Best homeowners insurance in Kansas City, MO for 2022

Kansas City is known for its world-famous barbecue, a great arts and culture scene, and low cost of living, making it a great place to settle down and buy a house. 

The KC metro area is also prone to frequent bouts of severe weather, so it comes as little surprise that Kansas City residents pay an average of $3,209 per year ($267 a month) for homeowners insurance. This is nearly 10% higher than the state average, and around 40% higher than the national average of $1,899 per year.

However, costs will vary by company and household. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Kansas City.  

Best homeowners insurance companies in Kansas City

Of the companies in this analysis, USAA has the lowest average rate in Kansas City, with an average annual policy cost of $1,882 — well below the city average of $3,209. Average rates for State Farm, and American Family also came in below the city average. 

Besides cost, it’s important to look at customer and claim satisfaction ratings with entities like J.D. Power to see if the company can deliver when it comes time to use your coverage. Price does not matter as much if your company lets you down when it comes time to file a claim.

Policygenius analyzed thousands of quotes from the 5 largest Kansas City insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Kansas City residents to find the best homeowners insurance in Kansas City.

State Farm

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

• Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

• Get up to $1 million in personal liability coverage

• Score discounts for bundling, installing security devices, and choosing a high deductible

• File and track claims online, over the phone, in person, or through its mobile app

• High customer satisfaction and financial strength ratings

Cons

• No discounts for first-time homebuyers or going a year without a claim

Read our full State Farm home insurance review

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Why State Farm tops our best list

If you install a security system in your home or bundle your home and auto insurance, State Farm’s generous protective devices and multipolicy discount will make its relatively high premiums worth it. 

How to get a quote

Online through State Farm

American Family

American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.

Pros

• Unique coverage add-ons, like matching siding insurance and hidden water damage coverage

• Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together

• Earn a $100 credit toward your deductible for ever year you go without filing a claim

• File claims online or on its mobile app — with 24/7 claims support

Cons

• Doesn't offer extended or guaranteed replacement cost coverage

• Above-average customer complaints according to the NAIC

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Why American Family tops our best list

American Family has unique policy perks, including its “diminishing deductible” program that trims $100 off your deductible without it impacting your premium. With the other atypical policy features and numerous ways to save on coverage, American Family is a great choice for Kansas City homeowners.

How to get a quote

Online through American Family

Farmers

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

• Several discounts and unique ways to save, including claim forgiveness and declining deductibles

• 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

• Offers extended and guaranteed replacement cost coverage options

• File claims online, via text, on its mobile app, or by calling its claims center

Cons

• Rates are typically more expensive

• Below-average customer satisfaction ratings

• No repair network to help you find a certified contractor or repair professional after filing a claim

Read our full Farmers home insurance review here

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Why Farmers tops our best list

Farmers offers some unique savings opportunities, such as claim forgiveness and declining deductibles for homeowners who don’t file frequent claims. If you need to file a claim, you can do so via the Farmers app, by text, or online — making the process smooth and easy.

How to get a quote

Online through Farmers

USAA

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

• Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

• Base policy includes coverages that cost extra with most other companies

• Offers earthquake coverage — which is hard to come by

• Get discounted home security systems and a discount on premiums through its partnership with ADT

• Industry-best customer service and claims satisfaction ratings

Cons

• Only available to military families

• Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Read our full USAA home insurance review here

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Why USAA tops our best list

USAA offers affordable and high quality homeowners insurance for Kansas City residents affiliated with the U.S. military. With USAA, home insurance policies often come with several coverages and policy perks that cost extra with most other companies. So if you’re looking for a bang for your buck, look no further than USAA.

How to get a quote

Online through USAA

Shelter Insurance

As a regional home insurance provider, Shelter is ideal if you're looking for a basic, budget-friendly homeowners insurance policy without all of the bells and whistles.

Pros

• Offers less-common coverage add-ons, like docks and piers coverage, personal injury protection, and protection for at-home businesses

• Earthquake coverage available — a rarity among insurers

• Solid customer service ratings with third-party review sites

• File claims online

Cons

• Coverage options aren't as robust as other insurers

• Discounts are rather limited

• Lack of reputation within the industry

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Why Shelter Insurance tops our best list

Shelter is a budget friendly and trusted regional insurer that is great for Kansas City residents looking for home insurance with local expertise. While Shelter’s policy offerings are more limited than the competition, it provides a local, human touch and knowledge for the KC area that is missing with many larger companies.  

How to get a quote

By calling Shelter Insurance

Cheapest homeowners insurance companies by ZIP code in Kansas City

Looking at average home insurance costs for 15 of the most popular companies in Kansas City, we found that the cheapest home insurance in the city can be found in the 64101 and 64102 ZIP codes with USAA. The average cost of USAA home insurance in these ZIPs is $1,729 per year.

Homeowners in most Kansas City ZIP codes will find that USAA is the cheapest home insurance option in the city. In a handful of ZIP codes, Allstate and AAA also offer cheap rates on coverage.

The most affordable areas for homeowners insurance in Kansas City

With an average home insurance rate of $2,821 per year, the 64155 ZIP code is the most affordable area for home insurance in Kansas City. 

The most expensive areas for homeowners insurance in Kansas City

With an average home insurance rate of $3,770 per year, the 64125 ZIP code is the most expensive area for home insurance in Kansas City. This ZIP code has a slightly higher crime rate than other areas of the Kansas City metro area.

Shopping for homeowners insurance in Kansas City

When shopping for homeowners insurance, make sure the coverage amounts in your quotes reflect your actual coverage needs. This will allow for a more accurate coverage and rate comparison. A Policygenius expert can help guide you through the process of comparing quotes.

Kansas City does have some risks that need to be considered when purchasing homeowners insurance. Tornados are a risk in the midwest, and insurance premiums will reflect this risk.

In this section, we break down the average annual home insurance rates in Kansas City for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Kansas City.

Kansas City home insurance costs by coverage amounts

Dwelling coverage is the section of your homeowners insurance policy that protects your home from covered losses, such as fire damage. Your dwelling coverage limit should be equal to the replacement cost of your home, or the cost to rebuild it from the ground up — not its sale price or market value. 

As the table below indicates, more dwelling coverage means higher home insurance premiums. In Kansas City, for every $100,000 in dwelling coverage, the average insurance premium increases approximately $900 per year. 

Liability coverage is the section of your policy that covers legal, medical, and repair bills if someone is injured or their property is damaged and you are legally responsible. This covers instances such as dog bites, pool or trampoline-related injuries, or if a visitor falls down your stairs. 

You will need enough coverage to cover the value of all of your assets in the event that the victim decides to sue for damages. When determining how much liability coverage you need, consider the value of your home, cars, potential future earnings, and anything else that holds value. 

As seen in the table below, more liability coverage doesn’t always mean higher average home insurance rates. Opting for high liability coverage limits is a great value add for any policy.

Kansas City home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying toward a loss when you file a claim. That means if you file a claim for $5,000 and you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket before your insurer will pay out the remaining $4,000 of the loss.

A higher deductible typically means lower premiums, but there is a risk in doing this. You’ll want to make sure it’s set to an amount you can afford to pay out of pocket in the event of a loss. 

As seen in the table below, Kansas City residents have substantially higher rates when opting for a $500 deductible over a $2,000 one. 

Home insurance discounts in Kansas City

Protecting your home with standard safety features will allow you to see a small discount in your insurance premiums. Insurance companies incentivize homeowners to be proactive about protecting their home, including installing deadbolts, smoke alarms, and security systems. 

While you won’t get a substantial discount if your house has only one of the following features and nothing else, the discounts can add up if you have several protective devices in your home, particularly when you add a security system. Here is the average annual rate for homes in Kansas City with deadbolts, smoke alarms, or burglar alarms. 

Home insurance companies in Kansas City for dog owners

Insurance companies consider certain dog breeds to be “aggressive,” as statistically speaking, these breeds are responsible for the majority of dog bite liability claims. 

If you own a breed your insurance company considers to be aggressive, you will likely see higher home insurance rates. 

With an average rate of $1,882 per year, USAA has the cheapest home insurance rates in Kansas City for a home with an aggressive dog breed, while Farmers’ average yearly premium of $7,710 is the highest. 

Home insurance companies in Kansas City for poor credit

Many insurance companies in Kansas City will factor in your credit score when calculating your insurance premiums. Generally speaking, the higher your credit score, the lower your insurance premiums will be, and vice versa. 

USAA offers the lowest rates for homeowners with poor credit at $2,419, while Farmers average annual premium of $13,933 is the highest.

Home insurance companies in Kansas City for pool owners

Pools are considered a liability risk due to the risk of accidents in and around pools, and therefore, owning one often means higher home insurance rates.  

With an average rate of $1,882 per year, USAA has the cheapest home insurance rates for Kansas City homes with a swimming pool, while Farmers’ average yearly premium of $7,710 is the most expensive. If you are a pool owner, make sure you compare policies to see who has the best rates.

How to buy homeowners insurance in Kansas City

Finding the right amount of coverage at the right price may seem like an overwhelming endeavor, but it’s actually fairly easy if you know what to look for in a company and policy. Since Kansas City’s average annual premium of $3,209 is higher than both the state and national average, shopping around when choosing a policy is vital.

Here are a few steps to follow as you shop for homeowners insurance in Kansas City: 

1. Reach out to a licensed Policygenius agent. Our team of licensed insurance experts can help you figure out how much coverage you need and what company offers it at the best price. Our agents do this for free with no impact to your credit score.

2. Ask about Missouri’s FAIR Plan coverage. The Missouri FAIR Plan is designed to be a last resort coverage option for homeowners who are not able to secure insurance on the private market. Missouri’s FAIR plan strives to provide basic coverage, and is intended to be used as a temporary solution until you qualify for coverage on the private market.

3. Consider purchasing additional coverage. Kansas City homeowners should consider purchasing additional coverage to protect against severe storms and tornadoes. 

4. Figure out how low of a deductible you can afford. You’ll want to set this to an amount you can afford to pay in the event you need to file a claim due for loss or damage. 

5. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs, limits, and deductibles, a Policygenius agent can walk you through your quotes to help you find the best policy for your coverage and budget needs.

6. Sign the policy and pay your first premium. After you’ve chosen the policy you want, your Policygenius agent will complete all of the paperwork for you, including canceling your old policy, if you had one. The only thing left to do is sign and pay your first premium. 

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

• Dwelling: $300,000

• Other structures: $30,000

• Personal property: $150,000

• Loss of use: $60,000

• Liability: $300,000

• Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.