How much is homeowners insurance in Kansas City, MO

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In Kansas City, homeowners pay an average annual rate of $3,690 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,108 more than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Kansas City, the cost of home insurance is influenced by several factors, including:

• Size of your home
• Age of your home
• Amount of coverage required
• Location
• Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Kansas City, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Kansas City.

How much is homeowners insurance in Kansas City per month

Residents of Kansas City pay an average of $307 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $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 may change based on location, property value, and selected coverage options.

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

In Kansas City, MO, homeowners pay an average of $2,938 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

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

As per rate analysis by Insure.com, homeowners residing in Kansas City typically pay an average of $3,690 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $752 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire 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, offering an average annual rate of $2,361, while State Farm ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Kansas City and compiled a list of the most affordable options.

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

Common natural disasters in Missouri that may affect home insurance

Living in Missouri comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Heat wave, Ice storm and Winter weather are some of the most common natural disasters in Missouri that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.

In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.

A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.

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.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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