How Can I Make My Independence, MO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Independence, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Independence, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $46,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $75,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $112,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $127,500 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $193,500 | $160,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Independence, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$174 | $743 |
| Superior Protection Discount | -$83 | $835 |
| Fire & Security Discount | -$64 | $854 |
| Hail Resistant Roof Discount | -$28 | $890 |
| Newly Constructed Home Discount | -$193 | $725 |
Choose the Right Deductible for your Independence, MO Home | Back to Top
| 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 |
| Jackson County | $1,500 | $961 | $2,461 | $698 | $2,198 | $263 |
| Independence, MO | $1,000 | $907 | $1,907 | $659 | $1,659 | $248 |
| Liberty, MO | $2,500 | $1,099 | $3,599 | $799 | $3,299 | $300 |
| Roeland Park, KS | $400 | $1,019 | $1,419 | $741 | $1,141 | $279 |
| Crystal Lakes, MO | $1,000 | $951 | $1,951 | $691 | $1,691 | $260 |
| Overland Park, KS | $500 | $1,372 | $1,872 | $997 | $1,497 | $375 |
| Camp Branch, MO | $2,500 | $1,111 | $3,611 | $807 | $3,307 | $303 |
| Freeman, MO | $200 | $944 | $1,144 | $686 | $886 | $258 |
| Edgerton, KS | $700 | $1,251 | $1,951 | $909 | $1,609 | $342 |
| Miami County, KS | $100 | $1,359 | $1,459 | $987 | $1,087 | $371 |
| Blackburn, MO | $1,000 | $889 | $1,889 | $646 | $1,646 | $243 |
Identify Top Home Insurance Agents near Independence, MO | Back to Top
| Home Insurance Company Independence, MO | Homeowners Insurance Agency Independence, MO | Address | Popularity Score | Distance from Independence (miles) |
|---|---|---|---|---|
| Allstate | Dan Mahurin | 1203 S Bucknr Tarsney Rd Ste C, Grain Valley, MO, 64029 | 9.3 | |
| Travelers | Abba Insurance Llc | 2427 Burlington Ste 201, North Kansas City, MO, 64116 | 13.0 | |
| Travelers | Leone Knipp Insurance Group Llc | 651 Ne Woods Chapel Rd Ste 101, Lees Summit, MO, 64064 | 7.1 | |
| State Farm | Bret Ohlhausen | 8549 Church Rd Ste A, Kansas City, MO, 64157-1208 | 12.5 | |
| Travelers | Associated Services In Insurance | 1438 Minter Way, Grain Valley, MO, 64029 | 8.7 | |
| Farmers | Jason Ayers | 5752 N Broadway St, Kansas City, MO, 64118 | 14.8 | |
| Farmers | John Banks | 1400 Sw Eagles Pkwy, Grain Valley, MO, 64029 | 8.7 | |
| Travelers | Epic Insurance | 4045 Ne Lakewood Way Ste 100 Lees Summit, Lee's Summit, MO, 64064 | 6.7 | |
| State Farm | Beau Crawford | 7312 Raytown Rd Ste B, Raytown, MO, 64133-6650 | 8.9 | |
| State Farm | Clint Osborn | 1208 Sw Us Highway 40, Blue Springs, MO, 64015-4612 | 6.6 |
Compare Rates for Independence, MO Home Insurance Providers | Back to Top
| 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 |
| Jackson County, MO | $131,500 | $973 | $710 | $1,330 | $620 |
| Independence, MO | $102,800 | $918 | $660 | $1,300 | $640 |
| Liberty, MO | $191,800 | $1,112 | $810 | $1,520 | $710 |
| Roeland Park, KS | $159,900 | $1,032 | $800 | $1,390 | $590 |
| Crystal Lakes, MO | $104,900 | $963 | $660 | $1,380 | $720 |
| Overland Park, KS | $248,100 | $1,388 | $1,080 | $1,870 | $790 |
| Camp Branch, MO | $160,800 | $1,124 | $820 | $1,550 | $730 |
| Freeman, MO | $102,600 | $955 | $680 | $1,370 | $690 |
| Edgerton, KS | $119,200 | $1,266 | $990 | $1,710 | $720 |
| Miami County, KS | $181,100 | $1,375 | $1,070 | $1,860 | $790 |
| Blackburn, MO | $87,300 | $900 | $660 | $1,280 | $620 |
Research Home Insurance Companies Reviews in Independence, MO Before Buying | Back to Top
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Allstate Home Insurance Reviews
Date: March 05, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: October 16, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 18, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: July 31, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: March 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: November 18, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Shelter Home Insurance Reviews
Date: July 22, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: September 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 23, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 03, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: August 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Country Financial Home Insurance Reviews
Date: September 21, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 20, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Date: September 02, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: August 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: May 15, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Travelers Home Insurance Reviews
Date: September 24, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 22, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 02, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: July 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: November 18, 2017 Age: 20 to 29 Gender: Female Marital Status: Married
Progressive Home Insurance Reviews
Date: February 22, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: January 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
GEICO Home Insurance Reviews
Date: March 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Date: December 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
AAA Home Insurance Reviews
Date: November 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Safeco Insurance Home Insurance Reviews
Date: May 22, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
State Farm Home Insurance Reviews
Date: August 10, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Farmer's Insurance Home Insurance Reviews
Date: September 12, 2019 Age: Above 60 Gender: Female Marital Status: Married