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2024

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Best Homeowners Insurance Agencies in Kansas City, MO

Our Recommended Top 20

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.

275Reviewed

173Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8117 N Oak Trfy, Kansas City, MO 64118

Expertise.com Rating

Review Sources

Google
4.9 (70)
Facebook
5.0 (10)

Why choose this provider?

Abbott Insurance Inc. is an independent home insurance agency serving the residents of Kansas City, Missouri, that represents large insurance carriers, such as Progressive, Missouri Employers Mutual, and Encompass. The company uses its relationships with these carriers to offer its clients different plans and policies to cover their residences, condos, and mobile homes. These policies cover damage and loss of property due to burglary or natural disaster, as well as personal and visitors' liability.

  • Renter's Insurance
  • Condos
  • Homeowners

7451 Switzer Road Ste. 116, Shawnee, KS 66203

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

KC Ins Agency LLC provides financial security to residents, groups, and business establishments all over the Kansas City metro. The independent insurance company offers homeowners' insurance and auto insurance to help secure its clients' properties. Its agents work closely with clients and help them save time and resources by comparing various insurance products and deciding on the coverage they need. With over 21 years of experience in the insurance industry, it serves its clients through different carrier companies it has partnered with.

  • Homeowners

5 Victory Ln Ste 102, Liberty, MO 64068

Expertise.com Rating

Review Sources

Google
4.9 (112)
Facebook
5.0 (17)

Why choose this provider?

Prime Insurance Agency provides assistance with homeowners insurance policies to clients who live in the Kansas City, Missouri, metro area. This company is an independent agency focused on top rated insurance carriers in an effort to deliver a higher level of service to clients and its agents believe that their independent status offers clients an unbiased and advantageous shopping experience. Prime Insurance Agency helps home owners, land lords, and renters, and primarily covers single family homes, apartments, and condominiums.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

4208 Rainbow Boulevard, Kansas City, KS 66103

Expertise.com Rating

Review Sources

Google
4.6 (35)
Facebook
5.0 (10)

Why choose this provider?

Located near Kansas City, Matrix Insurance helps homeowners find insurance policies to protect their financial health in the event of a major home expense resulting from disasters and theft. Its agents shop around from a number of trusted carriers to help clients obtain insurance policies that include enough coverage for the value of their home and its contents. In addition to home insurance, this company also offers auto, general liability, and SR 22 insurance.

  • Multiple Policy Types

1414 W 47th St, Kansas City, MO 64112

Expertise.com Rating

Review Sources

Google
4.9 (93)
Facebook
4.2 (5)
Yelp
4.0 (1)

Why choose this provider?

Liam Porter is a State Farm agent that offers home and property insurance products in Kansas City. He helps clients receive compensation if an accident occurs inside their residential premises by providing homeowners insurance products. He also assists individuals who want to change their insurance policies to cover their new homes. Other property insurance services he offers include condominiums, renters, farms, ranches, and manufactured homes. Liam Porter focuses on improving urban living by offering insurance products.

  • Condos

10975 Benson Dr, Suite 305, Overland Park, KS 66210

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (3)

Why choose this provider?

HighPointe Insurance Services, LLC., serves the financial security needs of people throughout the Kansas City metro. The full-service company offers homeowners' insurance that includes dwelling, structure, personal property, and liability coverage. With years of experience, its agents utilize a solution-based approach in providing solutions tailored to each clients' needs. The company equips individuals and businesses with practical information about insurance to help them manage risks. It also works with several carriers like AHG, Atlas, and HendersonPhillips, to assist with delivering its products.

  • Renter's Insurance
  • Condos
  • Homeowners

233 Main Street, Platte City, MO 64079

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Founded in 1968, JBLB Insurance Group provides personal and commercial insurance policies for residents of Kansas City and its surrounding areas. Its homeowners' insurance policies are written by notable, reliable carriers including Berkshire Hathaway Guard Insurance Companies, Foremost Insurance Group, and Travelers. In addition to home insurance, this agency also provides an array of other personal products. That includes boat insurance, identity theft insurance, umbrella liability policies, and animal mortality coverage.

  • Personal Property Insurance
  • Multiple Policy Types

11 N Water St, Liberty, MO 64068

Expertise.com Rating

Review Sources

Google
5.0 (77)
Facebook
5.0 (21)
Yelp
5.0 (1)

Why choose this provider?

Based in Liberty, Missouri, GM Peters Insurance has been helping residents throughout the greater Kansas City area since1916. The agency handles everything from basic to high-value homeowners insurance, which may include special coverage options, such as jewelry, collectibles, art, and firearm policies. GM Peters Insurance works with each client on an individualized basis and maintains a primary focus of helping them obtain homeowners insurance that fits their needs and their budget.

  • Personal Property Insurance

9393 W 110th St Ste 600, Overland Park, KS 66210

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

IMA Financial Group is an insurance agency in Overland Park, Kansas, providing home insurance solutions to clients in the area and its surroundings. The agency presents homeowners with unique coverage options at affordable prices. Homeowners can opt for basic coverage to cover only the home structure or consider extra coverage to include the home's contents, personal liability, and temporary living expenses when the property owner is forced to live elsewhere during the home's reconstruction. The firm also provides cyber and fraud insurance.

  • Personal Property Insurance
  • Homeowners

1208 West 61st Street, Kansas City, MO 64113

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Baker Insurance Agency provides products and services to individuals, families, and business owners in the Kansas City metro and the surrounding communities. It offers a selection of personal lines of insurance, helping clients obtain homeowners' coverages. The company also assists policyholders with their life, umbrella, auto, boat, and RV insurance. Its specialists also deal with business insurance which includes BOP and commercial liability and property coverages. Baker Insurance Agency is a member of the Community Insurance Consultants.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

10955 Lowell Avenue, Overland Park, KS 66210

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Based in Overland Park, Oliver Insurance Agency has been serving clients throughout Kansas City since 1967. It offers a wide range of personal insurance products, including homeowners' insurance plans. It assists clients in selecting the policy that will suit their coverage needs. This independent insurance agency carries insurance plans from multiple providers to provide clients with various coverage options. In addition, its team of insurance agents offers specialty insurance policies, lifestyle insurance, and auto insurance products.

  • Condos
  • Multiple Policy Types
  • Homeowners

2641 NE McBaine Dr, Lee's Summit, MO 64064

Expertise.com Rating

Review Sources

Google
4.8 (30)
Facebook
4.6 (11)

Why choose this provider?

Twin Lakes Insurance Agency has been serving the local communities in and around Kansas City since 1983. The firm helps clients obtain insurance plans that can financially protect them against unexpected property damages resulting from natural disasters, fires, theft, or vandalism. It also offers insurance products to cover properties such as automobiles, motorcycles, boats, and RVs. Ingram's Magazine and Kansas City Business Journal have recognized Twin Lakes Insurance Agency as one of the top firms in the area.

  • Homeowners

8880 Ward Parkway, Suite 200, Kansas City, MO 64114

Expertise.com Rating

Review Sources

Google
4.9 (413)
Facebook
5.0 (113)

Why choose this provider?

Mylo is a Kansas City-based insurance agency serving clients around the country. An independent broker with more than 50 years of industry experience, Mylo helps clients find a variety of insurance coverage, including homeowners, renters, vehicle, life, health, business and small group benefits. Mylo has developed its own AI-powered insurance technology that recommends the right coverage for customers and then finds them the best value from more than 100 top-rated carrier partners.

  • Homeowners

13025 S Mur Len Rd Ste 200, Olathe, KS 66062

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Established in 1922, Rich & Cartmill Inc. is an insurance agency serving the Kansas City, Missouri, metro area, and it employs over 60 independent agents in three states. This agency sells home insurance policies and partners with over 200 affiliate countries across the country. Clients are typically provided with a variety of rates dependent on their unique living circumstances and advised based on their budget and property type. Rich & Cartmill Inc. offers auto insurance services as well.

  • Personal Property Insurance

7269 W 97th St, Overland Park, KS 66212

Expertise.com Rating

Review Sources

Google
4.8 (75)
Facebook
5.0 (13)

Why choose this provider?

Marla Williams Agency is a locally owned and operated company that offers homeowners' insurance to clients throughout Kansas City. Its agents help customers obtain financial protection in case of damage to their properties or belongings as a result of fire, theft, vandalism, or severe weather. Other insurance products include auto, business, and life insurance. Marla Williams Agency also has locations in Texas and California and partners with insurance companies such as Progressive and Travelers to provide its clients with the policies that fit their needs.

  • Renter's Insurance
  • Condos
  • Flood

7823 Wornall Rd, Kansas City, MO 64114

Expertise.com Rating

Review Sources

Google
4.7 (52)

Why choose this provider?

A-1 Insurance caters to individuals and businesses all around Kansas City. The firm offers various insurance products, including homeowners' insurance policies. Homeowners' insurance protects the clients' financial interests in case of an unexpected loss to their homes or possessions. It covers the structure, personal belongings, medical or living expenses, and premises liability. It also protects the policyholders against a lawsuit that arises from an accident on their property. Founded in 1979, A-1 Insurance serves throughout the state of Kansas and Missouri.

  • Renter's Insurance

10895 Lowell Avenue, Suite 300, Kansas City, MO 66210

Expertise.com Rating

Review Sources

Google
4.2 (85)
Facebook
4.6 (22)

Why choose this provider?

Serving Kansas City, Lockton Affinity is an insurance brokerage firm that provides insurance solutions for member-based organizations. The company offers a variety of insurance products, including homeowners' insurance, property insurance, and umbrella liability insurance. Small enterprises, financial institutions, transportations, franchising businesses, and common-cause organizations are among the industries it supports. The firm's insurance specialists design customized insurance solutions to meet the demands of their clients. Lockton Affinity was launched in 1987 as a subsidiary of Lockton Companies.

  • Homeowners

4400 Shawnee Mission Parkway, Fairway, KS 66205

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
4.6 (11)
Yelp
5.0 (1)

Why choose this provider?

Midwest Professional Insurance provides policies for clients in the Kansas City metropolitan area. This company's insurance products include home, auto, and commercial insurance. Its home insurance policies are custom-designed to help clients avoid financial hardship if they face a major unexpected event that leaves their home or its contents severely damaged. Midwest Professional Insurance is independently owned and locally operated. Its policies are backed by major carriers such as The Hartford, Travelers, and American Modern.

  • Multiple Policy Types

4200 Somerset Dr Ste 110, Prairie Village, KS 66208

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (5)

Why choose this provider?

Greg Thurman State Farm Insurance Agent serves clients in the Kansas City area. Its team of insurance agents has more than 25 years of combined experience with State Farm. This local agency helps clients 24 hours a day, providing assistance with policy changes and claims filing. Its team also works with new clients to purchase home insurance, as well as renters, auto, life, and commercial insurance. Agent Greg Thurman is licensed to sell insurance in New York and Wisconsin.

  • Multiple Policy Types

6300 W 143rd St Ste 120, Overland Park, KS 66223

Expertise.com Rating

Review Sources

Google
4.8 (26)
Yelp
1.5 (12)

Why choose this provider?

Aspire Insurance Agency is an independent insurance company in Overland Park, Kansas, that serves clients statewide, in the Kansas City, Missouri, metro area, and throughout Colorado. Aspire represents over 30 insurance companies, including Progressive, Hartford, and Nationwide. The agency's home insurance policies reimburse clients for lost personal belongings and alternative living arrangements for clients whose homes are being reconstructed. Aspire also offers landlord, renters, travel, and life insurance. Coverage is available for commercial clients as well.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Abbott Insurance, Inc.
8117 N Oak Trfy, Kansas City, MO 64118
KC Ins Agency LLC
7451 Switzer Road Ste. 116, Shawnee, KS 66203
Prime Insurance Agency
5 Victory Ln Ste 102, Liberty, MO 64068
Matrix Insurance
4208 Rainbow Boulevard, Kansas City, KS 66103
Liam Porter
1414 W 47th St, Kansas City, MO 64112
HighPointe Insurance Services, LLC.
10975 Benson Dr, Suite 305, Overland Park, KS 66210
JBLB Insurance Group
233 Main Street, Platte City, MO 64079
GM Peters Insurance
11 N Water St, Liberty, MO 64068
IMA Financial Group
9393 W 110th St Ste 600, Overland Park, KS 66210
Baker Insurance Agency
1208 West 61st Street, Kansas City, MO 64113
Oliver Insurance Agency
10955 Lowell Avenue, Overland Park, KS 66210
Twin Lakes Insurance Agency
2641 NE McBaine Dr, Lee's Summit, MO 64064
Mylo
8880 Ward Parkway, Suite 200, Kansas City, MO 64114
Rich & Cartmill, Inc.
13025 S Mur Len Rd Ste 200, Olathe, KS 66062
Marla Williams Agency
7269 W 97th St, Overland Park, KS 66212
A-1 Insurance
7823 Wornall Rd, Kansas City, MO 64114
Lockton Affinity
10895 Lowell Avenue, Suite 300, Kansas City, MO 66210
Midwest Professional Insurance
4400 Shawnee Mission Parkway, Fairway, KS 66205
Greg Thurman - State Farm Insurance Agent
4200 Somerset Dr Ste 110, Prairie Village, KS 66208
Aspire Insurance Agency
6300 W 143rd St Ste 120, Overland Park, KS 66223

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.
  • What is the cost of homeowners' insurance in Kansas City?

    In Kansas City, the average cost of homeowners' insurance is $2,828 annually, equivalent to a monthly cost of $236. This calculation is based on a policy providing $300,000 in coverage for the dwelling. Consequently, insurance rates in Kansas City surpass the statewide average for Missouri by 10%, and they exceed the national average by 61%.

  • What does a Kansas City mobile home insurance cover?

    A home insurance policy covers a Kansas City mobile home structure against losses like windstorms, hail, or fire. Additionally, it offers protection for personal belongings, including items like electronics, furniture, and jewelry. This type of policy also extends its coverage to include separate structures not connected to the main property, like garages or sheds.

  • What are some things Kansas City residents need to know about homeowners’ insurance coverage?

    It is important for Kansas City residents to know the limitations of their home insurance coverage. The majority of insurance plans do not include protection against destruction from earthquakes or floods. Additionally, they should be familiar with both the replacement cost and the present monetary value of their residences. The homeowners' insurance should be sufficient to address the expenses associated with reconstructing destroyed homes.

  • What maintenance measures should Kansas City residents take to retain their home insurance coverage?

    To retain their home insurance coverage, Kansas City homeowners must ensure their homes are properly secured. This involves the installation of either an alarm system or surveillance cameras to provide additional defense against burglary and vandalism. Additionally, they should perform routine inspections to identify and address any damages that may occur. It is also advisable to review and update their home insurance policies on a yearly basis to ensure that the coverage aligns with the present value of their property.

  • Does homeowners’ insurance offer coverage for all the unfortunate events that can happen at Kansas City resident’s homes?

    Homeowners’ insurance does not cover Kansas City residents’ losses from flooding, earthquakes, and sinkholes. Likewise, damages caused by power failures, nuclear hazards, and government actions like war are also not covered. It is advisable to obtain separate insurance to adequately protect against these exclusions. Another way to expand coverage is through an endorsement, often referred to as a rider or an add-on.

  • 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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