Best Kansas City Homeowners Insurance Quotes (2025)
State Farm, American Family, and Allstate offer the best homeowners insurance policies in Kansas City, Missouri.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
In Kansas City, Missouri, the average cost of home insurance is $3,205 annually for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. This insurance rate is higher than the national average, possibly due to the city’s high property crime rates and risks for natural disasters like severe storms, flooding, and tornadoes.[1]
Your ZIP code, the age and condition of your home, your dwelling coverage, and your claims history affect how much you pay for a home insurance policy in Kansas City. You can find affordable home insurance in Kansas City by comparing quotes and coverage options.
Quick Facts
The average cost of home insurance in Kansas City is more expensive than the Missouri state average of $2,724 annually for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
Armed Forces Insurance has the cheapest home insurance for Kansas City homeowners, on average.
Kansas City homeowners with $300,000 in dwelling coverage and a $500 deductible pay an average of $3,283 annually for insurance.
Best home insurance companies in Kansas City
If you’re looking for home insurance in Kansas City, you have many good insurance companies to choose from. You should always compare coverage options from multiple insurance companies to find the best fit for your insurance needs.
Start your search below with a few of the best home insurance companies in Kansas City based on premiums, J.D. Power scores, and coverage options.
Best company for add-on coverage: State Farm
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $248/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $333/mo |
State Farm is the best company for homeowners looking to customize their insurance policy with add-on coverage options. In addition to dwelling, personal liability, and loss of use coverage, State Farm lets you purchase coverage for debris removal, power interruption, and temporary repairs. State Farm also offers inflation coverage, which accounts for construction-cost increases in your area.
Pros
Above-average customer satisfaction score from J.D. Power[2]
Doesn’t have a banned dogs list
Cons
Fewer discounts than other insurers
Mixed customer satisfaction ratings
Best company for storm protection: American Family
storm protection
American Family
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $221/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $301/mo |
Kansas City residents experience a variety of weather risks, including severe storms, winter weather, and freezes. American Family’s home insurance coverage can protect you from these risks. For example, if a hailstorm damages your home’s roof, American Family’s roof protection should pay to replace it at its current value. And if a storm damages your siding, your American Family insurance policy should pay to replace it with matching siding.
Pros
High Trustpilot rating
Customizable coverage options
Cons
Below-average customer satisfaction score from J.D. Power
Must enroll with an agent
Best company for flood insurance: Allstate
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $152/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $170/mo |
Roughly 11% of buildings in Kansas City are at risk for flooding, which a traditional home insurance policy doesn’t cover.[3] Fortunately, you can work with an Allstate agent to purchase a flood insurance policy through the National Flood Insurance Program (NFIP). Allstate is also one of the cheapest companies for Kansas City homeowners.
Pros
Lower average insurance rate
AM Best financial strength rating of A+ (Superior)
Cons
Below-average customer satisfaction score from J.D. Power
Many customer complaints
Our editorial team analyzed regional and national home insurance companies that sell policies in Kansas City to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in Kansas City
Armed Forces Insurance is the cheapest home insurance company in Kansas City, with an average annual premium of $1,161. The following table outlines some other affordable insurance companies for Kansas City homeowners.
Compare the average annual premiums below for insurance policies with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company  | Average Annual Premium |
|---|---|
| Armed Forces Insurance | $1,161 |
| American Family | $1,994 |
| USAA | $2,126 |
| Allstate | $2,334 |
| State Farm | $2,575 |
| Travelers | $2,814 |
| Nationwide | $3,083 |
| Shelter | $3,110 |
| Foremost | $3,161 |
| Automobile Club of Missouri | $3,299 |
| Allied | $3,777 |
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How much is home insurance in Kansas City?
The average cost of home insurance in Kansas City is $3,205 per year, which is more expensive than the state average of $2,724. Various factors can influence the cost of a home insurance policy, including local weather risks, the age and condition of your home, your total coverage, and your claims history.
For example, extreme weather risks can increase the cost of home insurance. Older homes may also cost more to insure than new builds since they may have dated materials and systems that require more maintenance.
And if you have a history of filing home insurance claims, you’ll pay more in monthly premiums. By filing even a small claim, your insurance company sees you as a higher risk for filing future claims.
Cost of home insurance by dwelling coverage in Missouri
Dwelling coverage pays to repair or replace the structure of your home if a covered peril damages it. The amount of coverage you purchase has a significant effect on how much you pay for home insurance. The more coverage you need, the higher your insurance rates will be.
Here are the average monthly costs for insurance policies with a $1,000 deductible and different dwelling coverage amounts. The average annual premiums below reflect statewide costs in Missouri.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $1,342 |
| $200,000 | $2,029 |
| $300,000 | $2,724 |
| $400,000 | $3,403 |
| $500,000 | $4,110 |
Cost of homeowners insurance by deductible amount
Anytime you file a home insurance claim, you’ll pay a deductible before your insurance company pays out on the claim. Your deductible is how you share risk with your insurance company. The higher your deductible, the lower your premiums, and vice versa.[4]
Compare average annual premiums for two of the most common deductible amounts: $500 and $1,000.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $3,283 |
| $1,000 | $3,205 |
Average cost of home insurance in other cities in Missouri
Your home insurance costs can vary depending on your city and even your ZIP code within your city. For example, urban areas with high crime rates typically have higher insurance rates than rural areas with lower crime and population densities.
The following table outlines how home insurance costs in Kansas City compare to other Missouri cities. Average annual premiums reflect costs for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| Ballwin | $2,559 |
| Columbia | $2,720 |
| Florissant | $2,682 |
| Kansas City | $3,205 |
| O’Fallon | $2,537 |
| St. Charles | $2,594 |
| St. Louis | $2,619 |
| St. Peters | $2,582 |
| Springfield | $3,148 |
| Wentzville | $2,589 |
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What to know about owning a home in Kansas City
Here are a few of the biggest factors you should consider as a Kansas City homeowner:
Property values
Home prices in Kansas City have been steadily increasing and may rise by about 6% in 2025, according to the Home Builders Association of Greater Kansas City.[5] High property values can lead to higher home equity values and put you in a better position if you ever want to refinance. But it also means you’ll pay higher property taxes.
Inventory challenges
The Kansas City housing market continues to have a shortage of available housing. That means you’ll have more limited options if you’re looking to buy a new house.
Severe weather
Missouri is vulnerable to severe weather, such as hail, flooding, tornadoes, and winter storms. These storms can cause power outages, roof damage, water damage, and structural problems. These risks can increase your likelihood of filing claims and lead to higher home insurance costs.
Kansas City home insurance FAQs
Home insurance protects Kansas City homeowners from theft, vandalism, and natural disasters. The following information may help answer your remaining questions about finding affordable home insurance in Kansas City.
In Kansas City, the average annual cost of home insurance for a policy with $300,000 in dwelling coverage and a $1,000 deductible is $3,205. This average is more expensive than other cities in Missouri.
Armed Forces Insurance is the cheapest home insurance company in Kansas City. The company’s average annual premiums are $1,161. But AFI has limited eligibility for military-affiliated homeowners.
American Family has the next cheapest coverage, on average, with an annual rate of $1,994. It’s important to compare quotes from at least three different insurance companies to find the best price and coverage for your situation.
The cost to insure a home with $500,000 in dwelling coverage in Missouri is $4,110 per year. State Farm, American Family, and Allstate are the best home insurance companies for Kansas City homeowners. The higher your dwelling coverage limit, the more you’ll pay for home insurance.
The 80/20 rule states that you should have enough home insurance to cover at least 80% of your home’s replacement cost. If you don’t have enough coverage, your insurance company may only partially cover your claims. It’s important to carefully set your coverage limits so your insurance policy covers you in the event of damage or loss.
In the U.S., the average annual cost of home insurance for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible is $2,584. But the exact cost of your policy will depend on the price of your home, its age and condition, and your ZIP code and claims history.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
- National Centers for Environmental Information. "Missouri Summary."
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
- ClimateCheck. "Climate Change Hazard Ratings for Kansas City, MO."
- Insurance Information Institute. "Understanding your insurance deductibles."
- Home Builders Association of Greater Kansas City. "Kansas City’s 2025 Housing Outlook."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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