How much is homeowners insurance in Kansas City,MO

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The average cost of homeowners insurance in Kansas City is $3,690 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,108 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Kansas City depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Kansas City, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Kansas City.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Kansas City.

Key takeaways

The average cost of homeowners insurance in Kansas City is $3,690 per year.
Auto Club Enterprises (AAA) is the cheapest homeowners insurance company in Kansas City with an average annual premium of $2,361.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $752 more a year for home insurance.

How much is homeowners insurance in Kansas City per month

According to Insure.com’s rate analysis, residents of Kansas City pay an average of $307 per month for homeowners insurance. This is $13 more than the state average of $294 and $92 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Kansas City can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Kansas City

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,938 per year in Kansas City, MO. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Kansas City

According to a rate analysis by Insure.com, homeowners in Kansas City pay an average of $3,690 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $752 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Kansas City by company

Among the carriers analyzed, Auto Club Enterprises (AAA) is the most affordable homeowners insurance company in Kansas City. It’s average annual rate for homeowners in Kansas City is $2,361.

State Farm, ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $2,990.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Kansas City and compiled a list of the most affordable home insurance companies.

Below are details of Kansas City home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Auto Club Enterprises (AAA)	$2,361
State Farm	$2,608
Allstate	$2,990
Shelter Insurance	$3,670
American Family	$4,121
Nationwide	$5,492
Farmers	$6,832
USAA*	$2,661

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Kansas City for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.