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2024

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Best Homeowners Insurance Agencies in Independence, MO

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Independence 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.

75Reviewed

48Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4200 Little Blue Parkway, Independence, MO 64057

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
4.9 (13)
Yelp
5.0 (1)

Why choose this provider?

Kyle D. Given is a COUNTRY Financial representative who serves Independence and other communities in the Kansas City metropolitan area from his office in Blue Springs. One of his specialties is homeowners' insurance. Aside from basic coverage, which protects the dwelling itself and everything inside it, the firm offers premier coverage, which includes protection against covered losses. It also offers optional coverages for earthquake, flood, and sewage backup. Given has been an agent for COUNTRY Financial since 2010.

  • Multiple Policy Types

11201 U.S. 24, Independence, MO 64054

Expertise.com Rating

Review Sources

Google
4.8 (130)
Facebook
5.0 (10)

Why choose this provider?

Matrix Insurance provides home and other personal insurance products for clients in Independence and throughout its surrounding areas. This company's agents work one-on-one with clients to determine how much coverage they need to protect the value of their homes and personal belongings. They shop policies from a variety of trusted carriers to help their clients find the best coverage to suit their needs at the most affordable rates. Other insurance products include auto, SR 22, and general liability insurance.

  • Multiple Policy Types

228 North Jesse James Road, Excelsior Springs, MO 64024

Expertise.com Rating

Review Sources

Google
4.9 (76)
Facebook
4.8 (23)
Yelp
5.0 (1)

Why choose this provider?

Jonathan Haase State Farm Insurance Agent has been serving clients in the Independence area since 2014. This agency offers homeowners' insurance policies, protecting clients from financial distress that often occurs as a result of disasters occurring in the home. In addition to home insurance, this company also offers auto, property, and business insurance, as well as mutual funds and annuities. Agent Jonathan Haase is authorized to sell insurance throughout Missouri.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

4800 South Cochise Drive, Independence, MO 64055

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Hometown Insurance Agency LLC is a full-service insurance firm that serves the Independence metro area and surrounding communities. The company guides homeowners in selecting the right insurance policy to protect their homes and personal investments against unexpected perils. Its licensed agents work with all types of residential owners and properties. Other insurance products include personal, commercial, and surety bonds. The company also provides other services like financial planning, licenses and building permits, and notary services.

  • Multiple Policy Types

4200 Little Blue Parkway, Independence, MO 64057

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

I360 Insurance, LLC is an Independence-based agency formed by Eric Knipp in 2020. Its homeowners' insurance covers personal liability exposures and prevents potential problem areas for their clients. This agency assists clients with manufactured homes, condominiums, townhouses, mobile homes on acreage, secondary homes, and many more. The agency is also offering products for auto, life, health, and business insurance. The policies are structured by its team of insurance professionals depending on the needs and goals of their clients. I360 Insurance, LLC represents companies like Hartford, Progressive, Met Life, and several others.

  • Renter's Insurance
  • Multiple Policy Types

200 North Jefferson Street, Kearney, MO 64060

Expertise.com Rating

Review Sources

Facebook
5.0 (37)
Google
5.0 (33)

Why choose this provider?

Baldwin Insurance Agency offers personal and business insurance solutions for residents of the Independence area. This agency is dedicated to making sure that its clients understand their policies and the process required when making a claim. Agents offer assistance when it comes to selecting home insurance policies, as well as assistance in making policy changes. Baldwin Insurance Agency's carrier partners include Stillwater Insurance Company, The Hartford, and Liberty Mutual Insurance.

  • Renter's Insurance
  • Multiple Policy Types

1312 South Noland Road, Independence, MO 64055

Expertise.com Rating

Review Sources

Google
4.4 (208)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Auto Insurance Discounters is a team of independent insurance agents servicing homeowners in the Independence metro. Established in 2001, this company helps mitigate possible financial risks through homeowners' insurance policies that provide adequate property protection. Its home insurance plans cover structural damage, whether due to vandalism, theft, fire, or lightning, and compensate for legal and medical expenses associated with non-resident injuries. Auto Insurance Discounters is a licensed insurance seller in Texas, Oklahoma, and Kansas.

  • Fire

1316 South Noland Road, Independence, MO 64055

Expertise.com Rating

Why choose this provider?

Founded in 2001, Independence-based All Insurance Agency is an independent insurance company that provides commercial and personal insurance plans to clients in the metro. The company provides financial protection for homes in the form of homeowners' insurance packages that cover damages and losses from natural disasters, theft, and accident injuries (including those caused by pets). All Insurance Agency also offers coverage from specific natural events such as floods and earthquakes.

  • Multiple Carriers
  • Multiple Policy Types

7001 North Cherry Street, Gladstone, MO 64118

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

CEK Insurance is a locally owned and operated insurance agency that serves clients in the Independence metro area. This agency works with a variety of carriers to ensure that its clients can access adequate coverage for their houses and other personal belongings at the lowest possible rates. Carriers include Liberty Mutual, Secura Insurance Companies, Genworth Financial, and Fireman's Fund Insurance Company. CEK Insurance is a Trusted Choice Independent Insurance Agent.

  • Fire
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kyle D Given - Country Financial Representative
4200 Little Blue Parkway, Independence, MO 64057
Matrix Insurance
11201 U.S. 24, Independence, MO 64054
Jonathan Haase - State Farm Insurance Agent
228 North Jesse James Road, Excelsior Springs, MO 64024
hometowninsurancekc.com
4800 South Cochise Drive, Independence, MO 64055
I360 Insurance, LLC
4200 Little Blue Parkway, Independence, MO 64057
Baldwin Insurance Agency
200 North Jefferson Street, Kearney, MO 64060
Auto Insurance Discounters
1312 South Noland Road, Independence, MO 64055
All Insurance Agency
1316 South Noland Road, Independence, MO 64055
CEK Insurance
7001 North Cherry Street, Gladstone, MO 64118

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.
  • Should you get your homeowners and auto insurance from the same company in Independence?

    When you get your homeowners and auto insurance from the same company in Independence, you qualify for a bundle discount, which can save you between 4% and 28% on your annual premiums. Bundling your policies can also help you simplify payments and keep track of transactions. However, there are times when purchasing separate policies or requiring coverage that a single insurer does not provide is more cost-effective. Because carriers provide different quotes, it is in your best interest to compare different rates and options.

  • Can your home-based business be protected by your homeowners insurance in Independence?

    Homeowners insurance in Independence may cover liability for incidents that occur inside your home, but it does not cover home-based business operations. The endorsement is only valid for businesses with up to three employees. The policy protects the owner from personal liability, medical payments, business income, unexpected expenses, and business equipment.

  • Can Independence homeowners insurance not cover certain breeds of dogs?

    It is legal for insurance companies in Independence not to offer homeowners policies that do not cover certain breeds of dogs, but others will charge you a higher premium instead. While some insurers may make coverage decisions based only on a dog's breed, the vast majority of carriers take into account the dog's history of aggressive behavior.

  • Can quitting smoking reduce your Independence homeowners insurance premiums?

    Yes. Because of the increased fire risk, homeowners insurance premiums in Independence are frequently higher for smokers. Quitting smoking could help you save money on your home insurance. However, most experts agree that smokers can expect to spend roughly 20% more on homeowner's insurance than non-smokers for the same policy.

  • Who can qualify for FAIR plans for homeowners insurance in Independence?

    Fair Access to Insurance Requirements policies may be your only option if you have been turned down for homeowners insurance by several Independence companies because your property is considered a high-risk investment, such as being located in a high-risk area for natural disasters and crime, or if your property is very old. As a last option, you may be forced to purchase an expensive FAIR plan that provides less coverage than standard policies just to satisfy your mortgage lender's insurance requirements.

  • 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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