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.

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

Best company for storm protection: American Family

Best company for flood insurance: Allstate

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.

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.

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.3

Compare average annual premiums for two of the most common deductible amounts: $500 and $1,000.

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.

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: