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Best cheap homeowners insurance in Kansas City

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Row of Bright Multi-Colored Homes on a Sunny Summer Day
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If you own a home in Kansas City, Missouri, purchasing a homeowners insurance policy is  important financial protection, even if you own your home outright and are not required by your lender to have a policy in place. Home insurance premiums in Kansas City can be expensive, but some insurance providers offer more affordable rates than others. To help you find the best cheap home insurance in Kansas City, Bankrate’s insurance editorial team analyzed rate data from Quadrant Information Services and used our unique methodology to determine which reputable insurance companies offer below-average premiums.

Best cheap home insurance companies Kansas City

Based on our study of quoted annual premium data from Quadrant Information Services, we found the top three cheapest home insurance companies in Kansas City are USAA, Auto-Owners and Travelers. These companies have more affordable home insurance premiums than the citywide average, which is $2,610 per year for a policy with $250,000 in dwelling coverage.

To provide easy at-a-glance comparison, we also assigned each company a Bankrate Score out of five possible points, which is calculated based on important factors like accessibility, claim handling, coverage options, financial strength and online or mobile tools, in addition to affordability.

When comparing cheap home insurance companies, using Bankrate Scores can help you quickly determine which insurers might be worth a quote for your home insurance needs. For example, just because an insurance company offers cheap rates does not mean it also offers the coverage options you need or that it has a reputation for excellent customer service. Affordability is only one factor you’ll want to consider when choosing the best cheap home insurance company for your situation.

Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage J.D. Power score
USAA* 4.8 $1,303 893/1,000
Auto-Owners 4.3 $1,360 Not rated
Travelers 3.7 $1,831 852/1,000
AAA 3.6 $1,893 855/1,000
State Farm 4.7 $2,225 876/1,000

*Not officially ranked with J.D. Power due to eligibility restrictions

USAA

USAA offers home insurance in all 50 states and Washington, D.C., but only past and present armed service members and their eligible family members qualify for coverage. According to research, USAA is the cheapest home insurance company in Kansas City on average. With USAA, you have the option to tailor your home insurance coverage to your needs, choosing from options like identity theft coverage, earthquake coverage and home sharing coverage. Although USAA does not meet the eligibility criteria for official ranking in the 2022 J.D. Power U.S. Property Claim Satisfaction Study, it still earned the highest score of the list of the 17 other companies surveyed, showcasing its ability to satisfy customers’ needs.

Learn more: USAA Insurance review

Auto-Owners

Auto-Owners is the second-cheapest home insurance provider in Kansas City on average on our list. Although it has highly-competitive rates, Auto-Owners did not rank in the 2022 J.D. Power Property Claim Satisfaction Study. With Auto-Owners, Kansas City homeowners can take advantage of various unique add-on coverage options, like inland flood coverage and guaranteed replacement cost coverage. A variety of discounts are also available for further savings. Auto-Owners does not offer online quotes, so you will need to call an agent to get a quote and buy a policy.

Learn more: Auto-Owners Insurance review

Travelers

Like many homeowners insurance carriers in Kansas City, Travelers offers multiple endorsements for extra protection, including special personal property, replacement cost protection, high-value items floaters and coverage for green homes. There are also multiple discounts available if you are looking to lower your premium. Overall, Travelers stands out for its coverage and discounts, although it was rated below-average in the 2022 J.D. Power Property Claim Satisfaction Study.

Learn more: Travelers Insurance review

AAA

When you hear AAA, roadside assistance may be the first thing to come to mind. However, AAA also offers a variety of insurance products to members, including home insurance. AAA offers several endorsements and a variety of discounts with savings for retired homeowners, burglar and fire alarms, newly renovated homes and newly built homes. In addition, AAA members can qualify for an additional discount when insuring their home. However, AAA does not have the best third-party ratings. Namely, it was rated below average in customer satisfaction by J.D. Power, which contributed to it having the lowest Bankrate Score out of the five providers we reviewed. To gain access to AAA insurance, you must be a member, which also incurs a small annual fee.

Learn more: AAA Insurance review

State Farm

State Farm’s average home insurance premium is the highest on our list, but is still cheaper than Kansas City’s citywide average premium. For homeowners who are looking for a lower rate, State Farm offers a handful of discounts with savings for having an impact-resistant roof, bundling your policies and installing home security devices. However, State Farm has fewer discounts than many of its competitors. In addition, State Farm only has a few add-on coverage options available for policy building. For property claims satisfaction, State Farm received an above-average score from J.D. Power.

Learn more: State Farm Insurance review

Home insurance coverage options in Kansas City

The most common standard home insurance policy provides dwelling, personal property, liability, medical payments and additional living expense coverage. Basic policies provide coverage for many of the losses you might face as a homeowner, but not all perils are covered. To fill gaps in your coverage, most home insurance carriers sell a variety of endorsements, or add-on policies, that provide more comprehensive protection.

Here are some of the add-ons that can be beneficial for Kansas City homeowners:

  • Flood insurance: Although Kansas City is not located near a body of water, flash flooding is a possibility after rain storms. Because home insurance policies exclude coverage for flood damage, you may want to consider purchasing a separate flood insurance policy.
  • Scheduled personal property insurance: If you keep valuable items in your home, such as art, fine jewelry or collections, you may want to look into adding a scheduled personal property endorsement to your home insurance policy. This type of coverage raises your policy limit for expensive items, which typically have limited coverage under a standard home insurance policy.
  • Identity theft insurance: It’s becoming increasingly common for home insurance companies to sell identity theft insurance, which will pay for things like credit monitoring, legal fees, help replacing your social security card and other types of professional guidance that might be necessary for identity restoration.

Home insurance discounts in Kansas City

Discounts for homeowners insurance vary by company in Kansas City, so it may be necessary to get multiple quotes to find the best cheap home insurance coverage. Most insurers allow discounts to be stacked together for added savings.

  • Multi-policy: Also called bundling, insuring your home and auto with the same company may qualify you for savings on both policies.
  • Claims-free: The longer you go without filing a claim on your home insurance, the more likely you are to qualify for this discount.
  • Monitored alarms: Monitored alarms may help emergency services respond more quickly to situations like burglaries or fires, which could reduce the need for large claims. Because of this, insurance companies often offer a discount if you have a centrally monitored alarm.
  • Home improvements: Updating your electrical wiring, improving your plumbing systems or adding a new roof may also reduce how much you pay for homeowners insurance. If you plan to make a home improvement, check with your home insurance company to see if it will qualify for a discount.

Although not a discount, you may be able to save on your home insurance by increasing your deductible. Your deductible is the amount of money you will pay out of pocket if you file a claim. If you are willing to pay more, your premium will generally be lower. Keep in mind that it’s important to choose a deductible amount that you can afford to pay if you do have to file a claim.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor