The average cost of homeowners insurance in Kansas City is $3,310 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 ~$1,028 more than the national average of $2,282.
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
- 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.
How much is homeowners insurance in Kansas City per month
Kansas City homeowners pay an average of $275.83 a month, based on our rate analysis. It’s ~$18 more than the state average of $257.75 and ~$86 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Kansas City may vary depending on where you live, the value of your home, and the coverage you choose.
How much is homeowners insurance for a $200,000 house in Kansas City
The average cost of homeowners insurance in Kansas City, MO is $2,666 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.
Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, 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 $3,310 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 $644 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, Nationwide Corp Grp is the cheapest homeowners insurance company in Kansas City. Its average annual rate for Kansas City homeowners is $2,713 . United Serv Automobile Assn Grp ranks second and Travelers Grp makes it to the third spot with an average annual home insurance rate of $3,118 .
Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Kansas City and prepared a list of the top ten cheapest home insurance providers. You can find below the Kansas City home insurance companies and their average annual premium.
|Home Insurance Company||Annual rate|
|American Family Ins Grp||$3,835|
|Allstate Ins Grp||$3,617|
|State Farm Grp||$3,617|
|Shelter Ins Grp||$3,577|
|Liberty Mut Grp||$3,169|
|United Serv Automobile Assn Grp||$2,895|
|Nationwide Corp Grp||$2,713|