Kansas City Home Insurance at a Glance
For the same house, home insurance in Kansas City averaged $6,120 a year ($510 a month) across the 4 insurers we compared, 18.0% above the Missouri average of $5,187 a year. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 4 insurers we compared ranged from $256 to $968 a month, a $712-a-month gap for identical coverage. Farmers priced far above the others; the other 3 ranged from $256 to $459. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Oct. 22, 2026
Kansas City home insurance: key numbers
- Home
- $6,120/yr $510/mo
- Home without Farmers
- $4,288/yr $357/mo
- Renters
- $307/yr $26/mo
- Condo
- $518/yr $43/mo
How much is homeowners insurance in Kansas City?
Homeowners insurance in Kansas City averages $510 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are State Farm, Shelter, American Family and Farmers, and each one priced our sample home in all 34 Kansas City ZIP codes in our data, in Jackson County, Clay County and Platte County. For this house, Kansas City is the most expensive of the 6 Missouri cities in our data with at least 5 ZIP codes, and above the Missouri average of $432 a month.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Kansas City average didn’t change since Nov. 2025, from $6,122 a year ($510 a month) on Nov. 30, 2025, to $6,120 ($510) on Sept. 30, 2026, as American Family’s fell 11.7%, Farmers’ rose 5.6% and State Farm’s rose 3.7%.
Homeowners insurance averages by insurer in Kansas City for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $256 | $3,070 |
| Shelter | $357 | $4,286 |
| American Family | $459 | $5,509 |
| Farmers | $968 | $11,616 |
State Farm averaged $256 a month ($3,070 a year), Shelter $357 ($4,286), American Family $459 ($5,509) and Farmers $968 ($11,616) for our sample home.
By ZIP code: each insurer’s yearly price for the same house ranged across Kansas City: State Farm $2,898 to $3,270, Shelter $3,810 to $4,761, American Family $5,309 to $5,768 and Farmers $7,488 to $17,650.
Why one insurer stands out: Farmers’ average for our sample home, $968 a month, is about 2.7 times the other 3 insurers’ average. It stays in our figures. Without it, the Kansas City average would be $357 a month ($4,288 a year), 17.3% below the Missouri average.
Same sample home in Kansas City with all 4 insurers and without Farmers (rates as of Sept. 30, 2026)
| Place | Per month | Per year | City vs. this place |
|---|---|---|---|
| Kansas City, all 4 insurers | $510 | $6,120 | Baseline |
| Kansas City, without Farmers | $357 | $4,288 | +42.7% |
| Missouri | $432 | $5,187 | +18.0% |
The Missouri figure includes every insurer we priced in the state.
Who has the cheapest homeowners insurance in Kansas City?
Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Kansas City, ZIP code averages for this house ran from $411 to $645 a month, while insurers’ Kansas City averages ran from $256 to $968.
Your ZIP code matters
Does your Kansas City ZIP code change the price?
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
64119
Kansas City (Clay County)
$411/mo
$4,935 a year
Highest
64124
Kansas City (Jackson County)
$645/mo
$7,734 a year
In Kansas City, the insurer you pick moved the price about 3 times as much as the ZIP code did: insurers’ Kansas City averages for our sample home span $8,546 a year, from $3,070 to $11,616, while the ZIP code averages run from $4,935 to $7,734 a year (each ZIP average includes every insurer we priced there).
Of the 34 Kansas City ZIP codes we priced, 15 averaged more than the city’s $510 a month for this house, 19 less.
Leaving out the 8 lowest- and 8 highest-priced ZIP codes, the middle 18 of the 34 Kansas City ZIP codes we priced averaged $426 to $608 a month for this house.
Kansas City’s 34 ZIP codes in our data reach into Jackson County, Clay County and Platte County. For the same house, the average was $557 a month in the 22 ZIP codes in Jackson County, $421 a month in the 8 ZIP codes in Clay County and $429 a month in the 4 ZIP codes in Platte County.
The three lowest-priced Kansas City ZIP codes for our sample home are 64119 ($411 a month), 64118 ($411 a month) and 64156 ($422 a month); the three highest are 64124 ($645), 64129 ($644) and 64123 ($643).
The 5 lowest- and 5 highest-priced of the 34 Kansas City ZIP codes we priced
| ZIP | Home | Renters | Condo |
|---|---|---|---|
| 64119 | $411 | $25 | $42 |
| 64118 | $411 | $25 | $42 |
| 64156 | $422 | $24 | $42 |
| 64155 | $424 | $24 | $42 |
| 64157 | $424 | $24 | $42 |
| 64106 | $642 | $26 | $43 |
| 64110 | $642 | $27 | $45 |
| 64123 | $643 | $26 | $43 |
| 64129 | $644 | $26 | $45 |
| 64124 | $645 | $26 | $43 |
See all 34 ZIP codes
Average home, renters and condo insurance prices by ZIP code in Kansas City, MO, for the homes we priced (rates as of Sept. 30, 2026). Monthly averages.
| ZIP | Home | Renters | Condo |
|---|---|---|---|
| 64119 | $411 | $25 | $42 |
| 64118 | $411 | $25 | $42 |
| 64156 | $422 | $24 | $42 |
| 64155 | $424 | $24 | $42 |
| 64157 | $424 | $24 | $42 |
| 64133 | $425 | $26 | $44 |
| 64116 | $425 | $25 | $42 |
| 64117 | $426 | $25 | $42 |
| 64158 | $426 | $25 | $42 |
| 64152 | $427 | $25 | $42 |
| 64151 | $428 | $25 | $42 |
| 64138 | $429 | $26 | $44 |
| 64154 | $430 | $25 | $42 |
| 64153 | $430 | $25 | $42 |
| 64113 | $436 | $26 | $42 |
| 64134 | $436 | $26 | $44 |
| 64137 | $437 | $26 | $44 |
| 64131 | $440 | $27 | $44 |
| 64114 | $442 | $26 | $42 |
| 64132 | $554 | $27 | $44 |
| 64109 | $560 | $27 | $45 |
| 64111 | $580 | $26 | $43 |
| 64130 | $594 | $26 | $45 |
| 64126 | $603 | $26 | $45 |
| 64112 | $607 | $26 | $43 |
| 64128 | $608 | $27 | $45 |
| 64127 | $611 | $27 | $45 |
| 64108 | $641 | $26 | $43 |
| 64105 | $641 | $26 | $43 |
| 64106 | $642 | $26 | $43 |
| 64110 | $642 | $27 | $45 |
| 64123 | $643 | $26 | $43 |
| 64129 | $644 | $26 | $45 |
| 64124 | $645 | $26 | $43 |
Each ZIP code’s figure averages the insurers we priced there.
Same house, different city: how does Kansas City compare?
The same sample home costs $510 a month in Kansas City, $415 in St. Louis, $419 in Lee’s Summit, $422 in Independence, $430 in Springfield and $435 in St. Joseph, the 6 Missouri cities in our data with at least 5 ZIP codes.
Same sample home: average home insurance prices in Kansas City, other Missouri cities, Kansas City, Kansas and the state (rates as of Sept. 30, 2026)
| Place | Per month | Per year | vs. state |
|---|---|---|---|
| Kansas City | $510 | $6,120 | +18.0% |
| St. Louis | $415 | $4,976 | −4.1% |
| Lee’s Summit | $419 | $5,032 | −3.0% |
| Independence | $422 | $5,062 | −2.4% |
| Springfield | $430 | $5,162 | −0.5% |
| St. Joseph | $435 | $5,220 | +0.6% |
| Kansas City, Kansas | $295 | $3,543 | −31.7% |
| Missouri | $432 | $5,187 | Baseline |
| Average of the 50 states and D.C. | $258 | $3,101 | −40.2% |
Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.
Across the state line, Kansas City, Kansas averages $295 a month for the same house, so the Missouri side costs 72.7% more for this house. Without Farmers on both sides, the Missouri side averages $357 a month and the Kansas side $287, 24.5% more on the Missouri side. The insurers priced differ somewhat by state (Shelter only on the Missouri side; Allstate only on the Kansas side), so treat the gap as a guide. This page covers Kansas City, Missouri.
Kansas City has the highest average of these Missouri cities; St. Louis, the lowest, averages $415 a month, 18.7% less for the same house.
Compared with St. Louis, the Missouri city with the most ZIP codes in our data (42), the same house costs 23.0% more to insure in Kansas City.
Across the U.S., 226 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Kansas City, and 65 a higher one.
For the statewide picture, see home insurance costs in Missouri and St. Louis home insurance costs.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a Kansas City homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $6,120-a-year Kansas City average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
Is $400 a month a lot for home insurance in Kansas City?
$400 a month is less than our sample home costs in Kansas City: $510 a month, the most expensive of the 6 Missouri cities in our data with at least 5 ZIP codes. 2 of the 4 insurers we compared averaged under $400 for the same house: State Farm ($256) and Shelter ($357). If a quote for your home is near $400, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Kansas City quote may differ from these prices
Use our one-house figures as a starting point when you compare home insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Kansas City quote above the $510 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
Why is homeowners insurance so expensive in Kansas City?
For our sample house, Kansas City is the most expensive of the 6 Missouri cities in our data with at least 5 ZIP codes, and 97.4% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Kansas City homes face.
One reason in our data: Farmers’ average for our sample home, $968 a month, is about 2.7 times the other insurers’ average; without it, Kansas City would average $357 a month.
How do wind and hail deductibles work in Kansas City?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample request also includes a 2% hurricane deductible, a setting we use in every state; real Kansas City policies may use a separate wind and hail deductible, so ask for yours.
Missouri’s insurance department notes that some insurers sell homeowners policies with percentage deductibles for wind and hail: on a house insured for $100,000, a 2% deductible means the first $2,000 of a covered loss is yours. Deductibles can change at renewal, so check your declarations page every year.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, about what that house costs to insure for a year in Kansas City ($6,120).
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Kansas City
For our sample home, insurers’ Kansas City averages ran from $3,070 to $11,616 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Farmers’ for our sample home ran from $7,488 to $17,650 a year depending on the Kansas City ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 12 months of Kansas City’s $510-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $510-a-month Kansas City average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Kansas City home?
Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Missouri Department of Commerce and Insurance at 800-726-7390.
If regular insurers turn you down, the Missouri FAIR Plan is a last resort for basic property insurance; a Missouri-licensed insurance agent has to complete the application.
In our data, every insurer we compared priced our sample home in all 34 Kansas City ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 4 in Kansas City, from $256 to $968 a month for the same house), or ask a licensed agent to compare them for you.
- If insurers turn you down, ask a Missouri-licensed agent about the Missouri FAIR Plan.
- If the notice looks wrong, call the Missouri Department of Commerce and Insurance at 800-726-7390.
Ready to compare
How much is renters insurance in Kansas City?
Renters insurance for our sample renter averages $26 a month ($307 a year) in Kansas City. For our sample renter, prices among the 5 insurers we compared ranged from $17 to $36 a month, a $19-a-month gap for the same coverage.
Renters insurance averages by insurer in Kansas City for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Shelter | $17 | $205 |
| State Farm | $21 | $257 |
| Safeco | $23 | $270 |
| Farmers | $31 | $369 |
| American Family | $36 | $433 |
Shelter averaged $17 a month ($205 a year), State Farm $21 ($257), Safeco $23 ($270), Farmers $31 ($369) and American Family $36 ($433) for our sample renter.
Shelter had the lowest renters average for our sample renter of the insurers anyone can buy from, $17 a month ($205 a year), 20.2% below State Farm’s $257 a year. Another insurer may be lower for your apartment, so compare quotes.
For renters insurance, Kansas City is the most expensive of the 6 Missouri cities in our data with at least 5 ZIP codes: its average is 5.2% above the Missouri renters average of $292 a year ($24 a month) and 19.9% above the average of the 50 states and D.C., $256 a year ($21 a month). Our sample renter’s policy costs about 5% of what our sample home costs to insure in Kansas City.
For the same insurers and ZIP codes, the Kansas City renters average rose 3.7% since Nov. 2025, from $25 to $26 a month, as Shelter’s rose 18.9%, Farmers’ rose 7.6% and State Farm’s fell 1.5%.
By ZIP code, the Kansas City renters average for our sample renter ran from $24 a month in 64155 to $27 in 64131.
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 170 sample prices by 5 insurers across 34 Kansas City ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a Kansas City apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Kansas City, that package averages $26 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 34 Kansas City ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Kansas City?
Condo insurance for our sample condo averages $43 a month ($518 a year) in Kansas City. For our sample condo, prices among the 5 insurers we compared ranged from $18 to $74 a month, a $56-a-month gap for the same coverage.
Condo insurance averages by insurer in Kansas City for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Shelter | $18 | $220 |
| State Farm | $30 | $364 |
| Safeco | $40 | $480 |
| Farmers | $53 | $638 |
| American Family | $74 | $885 |
Shelter averaged $18 a month ($220 a year), State Farm $30 ($364), Safeco $40 ($480), Farmers $53 ($638) and American Family $74 ($885) for our sample condo.
We don’t name a lowest condo insurer in Kansas City (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $18 to $74 a month.
American Family’s condo average is about 2.1 times the other insurers’ average; without it, Kansas City’s condo average would be $36 a month ($426 a year).
For condo insurance, Kansas City is the 2nd least expensive of the 6 Missouri cities in our data with at least 5 ZIP codes: its average is 2.0% below the Missouri condo average of $528 a year ($44 a month) and 7.6% above the average of the 50 states and D.C., $481 a year ($40 a month). Our sample condo’s policy costs about 8% of what our sample home costs to insure in Kansas City.
For the same insurers and ZIP codes, the Kansas City condo average rose 4.4% since Nov. 2025, from $41 to $43 a month, as Shelter’s rose 19.8%, Farmers’ rose 8.2% and Safeco’s rose 5.6%.
By ZIP code, the Kansas City condo average for our sample condo ran from $42 a month in 64154 to $45 in 64129.
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a Kansas City condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $43 a month in Kansas City.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
You may also want to compare: car + home insurance in Kansas City
Many Kansas City homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See car insurance rates in Kansas City · Missouri car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Kansas City
What is the average cost of home insurance in Kansas City?
For the house we priced, Kansas City averages $6,120 a year ($510 a month) across the 4 insurers we compared and 34 ZIP codes, with rates as of Sept. 30, 2026. That’s 18.0% above the Missouri average of $432 a month.
Which Kansas City ZIP code has the cheapest home insurance?
Of the 34 Kansas City ZIP codes we priced, 64119 had the lowest average for our sample home, $411 a month, and 64124 the highest, $645.
How do I get home insurance quotes in Kansas City?
Enter your ZIP code in any quote box on this page to compare free home insurance quotes for your Kansas City address. Get at least three, and compare each one’s dwelling limit and deductibles with ours ($300,000 and $1,000).
How much is insurance on a $400,000 house in Kansas City?
We priced a $300,000 dwelling, not $400,000. For that house, Kansas City averages $510 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Kansas City home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, about a year of the Kansas City average premium for that house.
Is flood damage covered by home insurance in Kansas City?
No. A standard Kansas City home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Kansas City home insurance rates going up in 2026?
For the house we priced, the Kansas City average was unchanged at $510 a month for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Kansas City?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $26 a month ($307 a year) in Kansas City across the 5 insurers we compared.
What does condo insurance cost in Kansas City?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $43 a month ($518 a year) in Kansas City across the 5 insurers we compared.
Official resources for Kansas City homeowners
- KC Water: Community Rating System The city’s flood insurance discount and how to check a flood zone.
- City of Kansas City: floodplain development rules (Information Bulletin 120) The city’s permit and elevation rules for building in a floodplain.
- Missouri Department of Commerce and Insurance: lowering your premium Percentage wind and hail deductibles, discounts to ask about, and shopping tips.
- Missouri Department of Commerce and Insurance: 2025 storm claims How many weather claims Missouri insurers handled and paid, and the consumer hotline. Consumer line: 800-726-7390.
- Missouri FAIR Plan The state’s last-resort property insurer for homes regular insurers decline.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 4 major insurers, and the same apartment and condo with 5 insurers each, in each of the 34 Kansas City ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Kansas City figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 136 sample prices from 4 insurers across 34 ZIP codes. Renters: 170 from 5 insurers. Condo: 170 from 5 insurers. Kansas City here means the 34 ZIP codes in our rate data whose main post-office city is Kansas City, in Jackson County, Clay County and Platte County.
Insurer notes: we review every note an insurer attaches to a price before publishing, with the same rules as our Missouri page.
- Safeco’s home prices in all 287 Missouri ZIP codes in our data (Kansas City’s included) are left out: the quote tool returned a note saying the company isn’t taking new business there, so we left them out.
- Safeco Essential home prices in all 287 Missouri ZIP codes in our data (Kansas City’s included) are left out: our data doesn’t show what that policy covers.
- Some counted prices carry notes that don’t change the coverage we priced (for example, an alarm-related note about automatic telephone dialers); we keep them.
Comparisons: the other cities, Missouri and the 292 U.S. cities in our data use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: KC Water, City of Kansas City, Missouri Department of Commerce and Insurance, National Association of Insurance Commissioners, FEMA, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
