How Much is Homeowners Insurance in Kansas City, MO [with rates]

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The average cost of homeowners insurance in Kansas City is $3,489 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 $1,072 more than the national average of $2,417.

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 $3,489 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 $721 more a year for home insurance.

How much is homeowners insurance in Kansas City per month

Kansas City homeowners pay an average of $291 a month, based on our rate analysis. It’s $13 more than the state average of $278 and $90 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 $2,768 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 $3,489 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 $721 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 cheapest homeowners insurance company in Kansas City. Its average annual rate for Kansas City homeowners is $2,361. USAA (Note: USAA offers home insurance only to members of the military, veterans and their immediate families.) ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $2,808.

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
Auto Club Enterprises (AAA)	$2,361
USAA	$2,491
Allstate	$2,808
State Farm	$3,105
Shelter Insurance	$3,670
American Family	$3,718
Nationwide	$4,645
Farmers	$6,386

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Kansas City for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.