Lees Summit has 103,656 residents in 40,526 households. We list 12 agencies for accident & health insurance in Lees Summit. Here is what the local numbers say about the cover people here need.

Lees Summit at a glance

12accident & health insurance agencies listed
26.6%of households rentRenters insurance
$340,900median home valueHome insurance
1994median year homes were builtRebuild cost calculator
3.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Jackson County

FEMA rates the overall natural hazard risk in Jackson County, where most Lees Summit agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lees Summit
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Lees Summit
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lees Summit
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Missouri

Missouri requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Lees Summit How much liability cover do you need?

Source: revisor.mo.gov. Checked 2026-10-24.

Insurance companies Lees Summit agencies work with

Of the 12 Lees Summit agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Medicare Advantage9 agencies
UnitedHealthcare8 agencies
Centene5 agencies
Aetna3 agencies
Blue Cross Blue Shield3 agencies
National Pacific Dental,3 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY3 agencies
Devoted Health Plan of Texas,2 agencies
Gerber Life Insurance Company2 agencies
HealthSpring Life & Health Insurance Company,2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Lees Summit agencies are

Lees Summit agencies we list sit in 4 ZIP codes, mostly in Jackson County.

640645 agencies
640633 agencies
640863 agencies
640811 agency

Questions

Accident & Health insurance in Lees Summit

All insurance agencies in Lees Summit · Accident & Health insurance across Missouri

Where can I find accident & health insurance in Lees Summit?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Lees Summit agencies work with?

Among the 12 Lees Summit agencies whose appointments we hold, the companies they are most often appointed with are Medicare Advantage (9), UnitedHealthcare (8), Centene (5), Aetna (3), Blue Cross Blue Shield (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Lees Summit?

FEMA's National Risk Index rates inland flooding risk in Jackson County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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