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2024

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Best Homeowners Insurance Agencies in Kansas City, KS

Our Recommended Top 8

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Kansas City Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

93Reviewed

59Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11211 Johnson Dr, Shawnee, KS 66203

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

Insurance Inc. provides homeowners insurance policies for clients in Kansas City and throughout its surrounding areas. This agencies works with top carriers, including Foremost Insurance Company, Progressive, and Liberty Mutual. It helps its clients select from an array of comprehensive home insurance policies at a broad range of price points, as well as insurance products that cover clients' vehicles, healthcare costs, and travel expenses. Carriers that Insurance Inc. works with include Arch Insurance Group and Bristol West Insurance Group.

  • Personal Property Insurance
  • Multiple Policy Types

2635 Northeast Vivion Road, Kansas City, MO 64119

Expertise.com Rating

Review Sources

Google
4.8 (94)
Facebook
5.0 (7)

Why choose this provider?

Based in Missouri, Bargain Insurance Connection is an independent insurance firm catering to clients in Kansas City. It has been providing insurance services and products since 2007. It offers personalized homeowners' insurance coverage for customers seeking extensive protection for their residential properties. Clients may submit their basic information and a general description of their dwelling through the agency website and an agent will get in touch with them to assist in finding the most suitable coverage plan for their needs.

  • Multiple Policy Types

1130 Westport Road, Kansas City, MO 64111

Expertise.com Rating

Review Sources

Google
4.7 (22)
Yelp
5.0 (1)

Why choose this provider?

DeMasters Insurance LLC sells home, auto, and business insurance policies in Kansas City and throughout its nearby areas. This agency is independently owned and operated. It works with top carriers to provide its clients with policies that they can rely on when major disasters occur. Carrier partners include Progressive, Travelers, The Hartford, and SafeCo Insurance. DeMasters Insurance LLC prides itself on providing client-focused service and to helping the individuals and families it works with to understand their policies and the claims process.

  • Multiple Policy Types

6651 N Oak Trafficway, Suite 20, Kansas City, MO 64118

Expertise.com Rating

Review Sources

Google
4.6 (25)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Jenkins & James Insurance Agency operates out of the Kansas City area. This company helps clients build custom policies that cover their homes, autos, and other personal property. It also provides help with commercial insurance, as well as umbrella policies. Jenkins & James works with several trusted insurance carriers, making sure that its clients have access to reliable insurance policies. Carriers include United Home Insurance Co. The Hartford, and Barton Mutual Insurance Company.

  • Personal Property Insurance
  • Multiple Policy Types

10818 Johnson Drive, Shawnee, KS 66203

Expertise.com Rating

Review Sources

Google
4.7 (55)

Why choose this provider?

Mitzi Ryburn State Farm Insurance Agent has been providing services for clients in the Kansas City area for more than 20 years. Ms. Ryburn works with a team of licensed insurance agents who strive to help customers find the best policies to suit their needs. Coverage amounts can be customized to cover the value of clients' properties and policies can be bundled to reduce overall costs. Other products include mutual funds and annuities.

  • Multiple Policy Types

1100 Walnut Street, Kansas City, MO 64106

Expertise.com Rating

Review Sources

Google
4.8 (12)
Facebook
5.0 (7)

Why choose this provider?

Walnut Risk Management is an employee-owned and operated insurance agency that serves clients in the Kansas City area. This agency provides a broad range of commercial and personal products, including homeowners' policies. These policies feature customized coverage amounts and comprehensive add-on options, such as flood and personal contents insurance. Carriers include Chubb, Nationwide, and Encompass. In addition to home insurance, Walnut Risk Management also offers a variety of commercial insurance solutions.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

5042 Lamar Avenue, Mission, KS 66202

Expertise.com Rating

Review Sources

Google
4.8 (32)

Why choose this provider?

Uriarte Insurance operates in the Kansas City area. This agency offers an array of personal and commercial insurance options, including homeowners' insurance. Its team of agents is dedicated to helping clients compare quotes from the best providers across the country. The agents offer sounds advice with regards to coverage amounts and shop around to find their clients the most affordable rates. In addition to home insurance. Uriarte Insurance also sells auto, life, and umbrella insurance policies.

  • Personal Property Insurance
  • Multiple Policy Types

6950 Squibb Road, Mission, KS 66202

Expertise.com Rating

Why choose this provider?

Located in Kansas City, Bovard Insurance Group is a member of Sunstar Insurance Group LLC. This locally owned and operated agency provides a variety of personal insurance products, including home insurance. Its team helps clients to select policies that adequately cover the cost of their home and its contents in the event of a major disaster. In 2019, Insurance Journal named Bovard Insurance Group one of the Top 100 PC Agencies.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insurance Inc.
11211 Johnson Dr, Shawnee, KS 66203
Bargain Insurance Connection
2635 Northeast Vivion Road, Kansas City, MO 64119
DeMasters Insurance LLC
1130 Westport Road, Kansas City, MO 64111
Jenkins & James Insurance Agency
6651 N Oak Trafficway, Suite 20, Kansas City, MO 64118
Mitzi Ryburn - State Farm Insurance Agent
10818 Johnson Drive, Shawnee, KS 66203
Walnut Risk Management
1100 Walnut Street, Kansas City, MO 64106
Uriarte Insurance
5042 Lamar Avenue, Mission, KS 66202
Bovard Insurance Group
6950 Squibb Road, Mission, KS 66202

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Is it possible for insurance companies in Kansas City to cancel homeowners' insurance policies?

    Yes. Insurance companies in Kansas City may cancel homeowners' insurance for any reason, without explanation, if the policy has been in effect for 60 days or more. If the new policy has been approved for less than 60 days, the insurance companies may cancel it, but they must notify policyholders at least 30 days before the cancellation date.

  • What damages are not covered by property coverage in Kansas City?

    Property coverage in Kansas City does not cover any damage caused by nuclear hazards, terrorism, war, earthquakes, or power outages. It also excludes the loss of animals, aircraft, and motor vehicles, as well as their accessories and equipment. Furthermore, water damage from sewer backup and flooding is not covered by property insurance.

  • How much is the average cost of homeowners' insurance in Kansas City?

    The average annual cost of homeowners' insurance in Kansas City is $3,159. In comparison to the national average of $1,899, this is approximately 66% higher. The amount of homeowners' insurance, however, is still determined by the property's location, age and construction materials, insurance claims history, deductible amount, and type of coverage.

  • Who will cover your expenses if your Kansas City home becomes uninhabitable due to a natural disaster?

    If your Kansas City home becomes uninhabitable due to a natural disaster, your homeowners' insurance will cover your temporary living expenses. It also covers your meals, moving and storage fees, laundry costs, transportation costs, and additional fuel costs. Additional living expenses, on the other hand, have specific limits, so it is critical to review and comprehend your policy.

  • In Kansas City, how long does it take to process homeowners' insurance claims?

    Insurance companies in Kansas City are required to investigate homeowners' insurance claims within 30 days of their receipt. If they are unable to complete the investigation within 30 days, they must send a letter to policyholders explaining why they require more time. There are no rules in Kansas governing how long insurance companies must pay out claims.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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