The Best Cheap Homeowners Insurance in Kansas City, Kansas for 2022: Quotes and Reviews

In Kansas City, Kansas, the average monthly and yearly costs of homeowners insurance are $142 and $1,700, respectively, but the rates vary by company. AAA, the cheapest company, charges roughly $1,088 annually, while American Family is the most expensive insurer and charges around $3,606 annually. You can save up to $2,518 by shopping around. MoneyGeek ranked the best homeowners insurance in Kansas City for those looking to balance cost and quality.

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Last Updated: 6/24/2022
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The Cheapest and Best Homeowners Insurance in Kansas City

The Cheapest Home Insurance Companies in Kansas City

Since most insurers offer the same core coverages, the cost of the policy can be an important factor when making a decision on which insurer to use. MoneyGeek’s research shows that, on average, the following companies offer the cheapest homeowners insurance in Kansas City:

  • AAA: $1,088 per year
  • Auto-Owners Insurance Co: $1,144 per year

We also found that, on average, these companies offer the cheapest policies with $2 million in dwelling coverage:

  • Farmers: $10,300 per year
  • Travelers: $14,374 per year

For homeowners with a military background, USAA offers the most affordable policy with $2 million in dwelling coverage at an average cost of $12,141 per year.

You can adjust the dwelling coverage limits in the table below to see how prices change.

The Cheapest Home Insurance in Kansas City, Ranked

Dwelling Coverage:

$100,000

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The policies with the initial baseline dwelling coverage have personal property limits of $40,000, and the policies with dwelling coverage of $2 million have personal property limits of $800,000. The liability coverage limit of these policies is $100,000.

If you’re not a Kansas City resident, you can look up home insurance in Kansas for more information.

The Average Cost of Homeowners Insurance in Kansas City for 2022

Kansas City$1,700
Kansas$2,878
U.S.$2,103

The average cost of homeowners insurance in Kansas City is $1,700 per year. This is $1,178 less than the average cost in Kansas and $403 less than the national average.

Calculate the Cost of Home Insurance in Kansas City

While your location plays an important role in determining your home insurance rates, insurers also consider your dwelling coverage and personal property limits, credit score and other important factors. MoneyGeek’s home insurance calculator can help you compare homeowners insurance quotes in Kansas.

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Home Insurance Calculator

State

Kansas

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$20,000

Credit Score

Excellent
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low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

The Best Home Insurance Companies in Kansas City

When choosing an insurance company, you shouldn’t just look at the cost of the policy. The company's financial stability and customer service are also important. This is because you’ll be filing a claim in a stressful time, so you’ll want your claim processed quickly and fairly.

MoneyGeek’s research shows that the following companies offer the best home insurance policies in Kansas City:

  • Best Overall: USAA
  • Runner-up: Auto-Owners Insurance Co

We ranked home insurance companies in Kansas City based on affordability, user satisfaction and financial stability.


1
USAA
Score:97

4.7/5

Affordability

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

USAA, available to military families only, charges $1,457 per year for a homeowners policy. The company ranks fifth for affordability and has the highest AM Best score and JD Power rating. It offers home rental coverage.

More About USAA

USAA offers home rental coverage to its customers, which protects you and your guests, no matter whether you’re renting a room or the entire house. The company also offers earthquake coverage, which protects you against the cost of damages due to an earthquake. These are additional coverages and can be added to your policy for an extra cost. You can also get a discount for bundling policies.

2
Auto-Owners Insurance Co
Score:96.4

5/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

It costs $1,144 per year to buy a policy from Auto-Owners Insurance Co. The company ranks second-highest for affordability, has the highest AM Best score and the third-highest JD Power rating. It offers equipment breakdown coverage.

More About Auto-Owners Insurance Co

With Auto-Owners Insurance Co, you get equipment breakdown coverage. This helps you pay to repair electrical and mechanical equipment in your home. It also offers off-premises personal property coverage, which covers the cost of damage to any of your personal items that you take with you on vacation. Policyholders can also get a protective device discount.

Cheapest Home Insurance Companies in Kansas City for Newly Constructed Homes

Insurers generally charge less to insure homes that are built with newer materials since these materials are easy to replace and more resistant to damage. MoneyGeek found that newly constructed homes cost an average of $1,051 compared to an average of $1,700 for a home built in 2000.

We researched the following cheapest companies for homeowners with newer homes and found that, on average, the cheapest options are:

  • AAA: $673 per year
  • Auto-Owners Insurance Co: $707 per year
The Cheapest Home Insurance in Kansas City for New Homes, Ranked

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Cheapest Home Insurance Companies in Kansas City if You Have a Lot of Personal Property

A homeowners insurance policy also covers the cost of damage to your personal property that you keep in your home. If you want to insure more personal items, the insurance company will charge you higher rates. It costs an average of $1,798 to get personal property limits of $250,000 with a standard policy compared to an average of $1,700 for $100,000 in personal property coverage limits.

MoneyGeek researched the following companies in Kansas City that offer the cheapest policies for homeowners looking for higher personal property limits on average:

  • AAA: $1,151 per year
  • Auto-Owners Insurance Co: $1,209 per year
Cheap Companies in Kansas City for Extra Personal Property Coverage

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Cheapest Home Insurance Companies in Kansas City for High Deductibles

Your policy’s deductible has a significant impact on your homeowners insurance cost. With a higher deductible, your premium will be lower, but you will pay more money out of pocket if you file a claim. On average, it costs $1,529 if you select a policy with a $2,000 deductible compared to an average of $1,700 for a $1,000 deductible.

MoneyGeek’s research shows that, on average, the following insurance companies offer the most affordable home insurance policies with higher deductibles:

  • Travelers: $960 per year
  • AAA: $978 per year
The Cheapest Companies in Kansas City for High Deductibles, Ranked

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Cheapest Home Insurance Companies in Kansas City if You Have Poor Credit

Insurance companies consider your credit score before giving you a homeowners insurance quote in Kansas City. Homeowners with bad credit scores generally have to pay higher rates for a home insurance policy. MoneyGeek’s research shows that it costs an average of $2,768 if you have poor credit compared to an average of $1,700 for homeowners with good credit.

We found that, on average, the following companies offer the cheapest policies for homeowners with a bad credit score:

  • AAA: $1,088 per year
  • Auto-Owners Insurance Co: $1,144 per year
The Cheapest Companies in Kansas City for Poor Credit, Ranked

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Getting Online Homeowners Insurance Quotes in Kansas City

While applying online for a homeowners insurance quote in Kansas City, you need to have the following information ready:

  • The replacement cost of your home: This is the cost of rebuilding your home and is used by the insurers to determine your dwelling coverage limits. You can hire a building contractor or a construction professional to estimate the replacement cost of your home.
  • The value of your personal property: This refers to the total worth of the personal items that you keep in your home. It’s used to determine your personal property coverage limits.
  • Personal information: Insurers will ask for your address, the total number of people in your household, your insurance history and other details.
  • Information about your house: You will have to provide information about when your house was built, its location, information about its safety features and more.
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Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Homeowners Insurance in Kansas City Analysis: Methodology

MoneyGeek analyzed home insurance premiums from nine companies in Kansas City. The data used in this guide was provided in partnership with Quadrant, and quotes were collected for a home with varying coverage levels to calculate affordability scores. The base profile was for a homeowner with a home that is 2,500 square feet, built in 2000 with dwelling coverage of $100,000, personal property coverage of $40,000 and liability coverage of $100,000. The policies had a $1,000 deductible. We also collected quotes for newly-constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores. The customer satisfaction ratings were compiled from J.D. Power surveys.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.