Gavop's guide to buying homeowners insurance in Clay County, MO covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Clay County, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| N Quincy Cir, Oakbrook Cr, Timber Ln, NE 161st St, Wicklow St, Wright Valley Rd, S Clayview Dr, NE 89th St, NE 80th Pl, Chaumiere Rd | $247,000 | $210,000 | $200,000-$250,000 | $180,000 | $140,000 | $175,000-$200,000 |
| NE 64 Ter, Fishing River Rd, Marvel Ln, Bauman Ln, Bircain Pl, Bent Oaks Ct, NE 69 Ter, NW 62nd Ter, NE 74 Ter, NE 90th Ter | $227,000 | $190,000 | $200,000-$250,000 | $188,000 | $170,000 | $175,000-$200,000 |
| Wildflower Ln, N Lydia Cir, N Thomas Meyers Dr, NE 60th St, Chandler Rd, S Water St, Muriel Ln, NE 129 St, NW 71 St, Junkyard Rd | $155,500 | $130,000 | $125,000-$150,000 | $159,500 | $140,000 | $150,000-$175,000 |
| E Kansas St, NE 137 St, NE Flagor Rd, NW 79 St, NE San Raphael Dr, Gentry Rd E, Tracy St, E 21st Ave, Westwoods Cir, S Grover St | $129,500 | $110,000 | $100,000-$125,000 | $109,500 | $90,000 | $125,000-$150,000 |
| Garnet Cir, Rock Creek Dr, N Francis St, NW 60th Ter, NE 66th Ter, Telford Dr, Ellington St, Dagley St, NE 157th St, Lynn St | $197,000 | $180,000 | $150,000-$175,000 | $200,500 | $170,000 | $175,000-$200,000 |
| NW 52nd Ter, N Stark Rd, McKee Rd, NE 120th Ter, Bingaman Ct, NE 57th Pl, Scottsdale Cir, NE 147th St, Duncan Dr, NE 122nd St | $113,000 | $110,000 | $100,000-$125,000 | $80,500 | $70,000 | $50,000-$75,000 |
| N Washington St, Hedgerow Cir, Francis St, N Platte Purchase Dr, NW Englewood Ct, N Booth Ave, E High Dr, Hwy B, W Brown St, Chas Dr | $180,500 | $150,000 | $150,000-$175,000 | $149,500 | $130,000 | $125,000-$150,000 |
| 75th Ter, NE 104 St, NE 83rd Ter, Greenspire, Roberts Ct, Regency Ct, Yolanda Cir, NW 71st Ter, NE 67 Ter, Homestead St | $180,000 | $160,000 | $150,000-$175,000 | $118,000 | $100,000 | $75,000-$100,000 |
| NE Park Cir, NE 164 St, Harborview Dr, Cordell Rd, Lynda Cir, NE 185th St, Ridgeway Dr, Marian, NW Claymont Dr, NE 104th St | $168,000 | $140,000 | $175,000-$200,000 | $161,500 | $130,000 | $125,000-$150,000 |
| Cottonwood Ct, 2nd Ave, N Elmwood Ct, NE 104 St, Richmond Ct, N Maywood Ave, NE 170 St, NE 148th St, NE Chouteau Dr, NW 113th St | $196,000 | $170,000 | $175,000-$200,000 | $120,500 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $889 |
| Superior Protection Discount | -$105 | $941 |
| Fire & Security Discount | -$73 | $972 |
| Hail Resistant Roof Discount | -$21 | $1,024 |
| Newly Constructed Home Discount | -$251 | $794 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Clay County | $2,500 | $1,033 | $3,533 | $751 | $3,251 | $282 |
| Clay County, MO | $2,000 | $1,033 | $3,033 | $751 | $2,751 | $282 |
| Leawood, KS | $400 | $1,494 | $1,894 | $1,086 | $1,486 | $408 |
| Crooked River, MO | $1,500 | $908 | $2,408 | $660 | $2,160 | $248 |
| Kidder, MO | $300 | $996 | $1,296 | $724 | $1,024 | $272 |
| Atchison, KS | $2,000 | $871 | $2,871 | $633 | $2,633 | $238 |
| Ludlow, MO | $700 | $664 | $1,364 | $482 | $1,182 | $181 |
| Gunn City, MO | $200 | $862 | $1,062 | $626 | $826 | $235 |
| Grand River, MO | $1,000 | $911 | $1,911 | $662 | $1,662 | $249 |
| Freedom, MO | $100 | $1,004 | $1,104 | $729 | $829 | $274 |
| Nodaway, MO | $2,000 | $825 | $2,825 | $600 | $2,600 | $225 |
| Home Insurance Company Clay County, MO | Homeowners Insurance Agency Clay County, MO | Address | Popularity Score | Distance from Clay County (miles) |
|---|---|---|---|---|
| Farmers | Justin Mcclain | 11108 N Oak Trfy Ste 207, Kansas City, MO, 64155 | 8.4 | |
| State Farm | Joe Janacaro | 5555 Nw Barry Rd Ste C, Kansas City, MO, 64154-1408 | 12.8 | |
| State Farm | Laurel Cross | 836 Reed St, Liberty, MO, 64068-2203 | 5.4 | |
| State Farm | Jeff Zigmant | 6008 N Highway 9 Ste B, Parkville, MO, 64152-3673 | 15.9 | |
| Farmers | Brad Newcomer | 2 Victory Dr Ste 220, Liberty, MO, 64068 | 5.2 | |
| Allstate | Jennifer King | 249 W Mill St Ste 106, Liberty, MO, 64068 | 4.9 | |
| State Farm | Phil Burress | 2400 S Lees Summit Rd Ste 140, Independence, MO, 64055-1900 | 16.7 | |
| Farmers | Eric Grampp | 601 S 291 Hwy, Liberty, MO, 64068 | 4.5 | |
| State Farm | Jennifer Hubbs | 9759 N Cedar Ave, Kansas City, MO, 64157-6208 | 3.6 | |
| Farmers | Bill Morgan | 3909 S Lynn Ct, Independence, MO, 64055 | 18.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,530 | $780 |
| Clay County, MO | $160,900 | $1,045 | $710 | $1,450 | $740 |
| Clay County, MO | $160,900 | $1,045 | $720 | $1,450 | $730 |
| Leawood, KS | $431,000 | $1,512 | $1,180 | $2,040 | $860 |
| Crooked River, MO | $92,300 | $919 | $660 | $1,300 | $640 |
| Kidder, MO | $119,000 | $1,008 | $700 | $1,420 | $720 |
| Atchison, KS | $82,900 | $882 | $690 | $1,190 | $500 |
| Ludlow, MO | $36,300 | $672 | $460 | $930 | $470 |
| Gunn City, MO | $80,000 | $872 | $630 | $1,210 | $580 |
| Grand River, MO | $150,800 | $922 | $660 | $1,300 | $640 |
| Freedom, MO | $121,600 | $1,016 | $690 | $1,430 | $740 |
| Nodaway, MO | $114,500 | $835 | $560 | $1,190 | $630 |