Kansas City has 510,612 residents in 221,979 households. We list 18 agencies for home insurance in Kansas City. Here is what the local numbers say about the cover people here need.

Kansas City at a glance

18home insurance agencies listed
44.6%of households rentRenters insurance
$242,900median home valueHome insurance
1969median year homes were builtRebuild cost calculator
9%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 Kansas City 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 Kansas City
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 Kansas City
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 Kansas City
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 Kansas City How much liability cover do you need?

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

Insurance companies Kansas City agencies work with

Of the 18 Kansas City agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

The Hartford13 agencies
Progressive11 agencies
Travelers11 agencies
Chubb10 agencies
Nationwide10 agencies
Safeco10 agencies
Chubb (ACE)9 agencies
Liberty Mutual8 agencies
Liberty Mutual (Safeco)8 agencies
Nationwide (Allied)7 agencies

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

Where Kansas City agencies are

Kansas City agencies we list sit in 10 ZIP codes, mostly in Jackson County.

641125 agencies
641113 agencies
641062 agencies
641532 agencies
641051 agency
641141 agency
641191 agency
641311 agency
641511 agency
641541 agency

Questions

Home insurance in Kansas City

All insurance agencies in Kansas City · Home insurance across Missouri

Where can I find home insurance in Kansas City?

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 home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Kansas City agencies work with?

Among the 18 Kansas City agencies whose appointments we hold, the companies they are most often appointed with are The Hartford (13), Progressive (11), Travelers (11), Chubb (10), Nationwide (10). An appointed agency can quote that company's policies.

Do I need flood insurance in Kansas City?

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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