Independence Insurance Rates:

Independence, MO home insurance is about $814 to $1,103, about $67-$91/month. Our in depth analysis reveals consumers can save upto $383 by getting different quotes

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Independence Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $240/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 2040 sqft Vacation Property Constructed In 1975 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $200/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 2240 sqft Seasonal Residence Constructed In 1944 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $20/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1120 sqft Primary Residence Constructed In 1978 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $80/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1370 sqft Rental Property Constructed In 1967 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/8 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1260 sqft Rental Property Constructed In 1982 with Wood Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Female who is Retired and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $200/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1220 sqft Vacation Property Constructed In 1985 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2160 sqft Seasonal Residence Constructed In 1980 with Hardwood Flooring, Tile Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Independence, MO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
64050 $84,900 $960
64052 $84,000 $950
64053 $69,300 $940
64057 $151,200 $1,010
64058 $132,500 $990
64055 $117,500 $980
64056 $103,800 $960

Independence Rates & Quotes Analysis:

Independence Area Estimated House Insurance
NW Sherwood Dr, 17th St, E 43rd Pl S, S Brooksode Ave, N Commerce Ave, Gill St, NW Leann Dr, E 3 Ter N, W 27 St, S Leslie St$994
E 7th Ter Ct N, Hanover Ct, NW 6th Street Ter, Gateway Dr, S Osage Village Dr, E Sea Ave, E 9th St N, NW Boxelder Ct, Brentwood Ave, NW Blossom Ct$964
N Wabash Ave, Union Cir, Susquehanna Dr, N Woodland St, E Lexington Ave, S Farley Ave, E 48th St S, Bundschu Rd, N Frandsen Rd, Joe Thomas Rd$915
Haynes St, River Front Rd, S Queen Ridge Dr, E 3rd Ter S, S Axline Rd, S Hedges St, W 30th St, E 43rd St S, Brentwood St, Roberts$958
E Sheley Rd, N Burnley Rd, Wigwam Dr, E Neil Chiles Rd, Anchor Cir, E Lexington Ave, E 87th Ter, S Delaware Ave, Hidden Valley Rd, Speck Ave$952
S Rogers St, Wilson Ave, Little Blue Pkwy, E Scarritt Ave, E 51 Ter S, E 19th Ter N, NE Red Bridge Ct, S Powahatan Ave, Teal Pl, S Larson Dr$956
Pebble Ave, S Willow Ave, N York Rd, Hub Dr N, State Hwy Ff, W 28 St S, S Arrowhead Ct, E Kentucky Rd N, W Maple Ave, NE Eastwood Ct$966
N Evanston Ave, Marshall Dr, NW Lee's Summit Rd, Sioux Ave, NW 51 St, E Cogan Rd S, S Whitney Dr, N Mohawk Ave, E 6th St S, E 27th St S$951
E Short Ave, Lake Tapawingo Block B Rd, E 31st St, Sundown Dr, NW Rosewood Dr, NE Bridgeport Ct, York St, Stillhouse Rd, E Greentree Ave, N Blue Mills Rd$1,025
E 3rd Ter N, Fall Dr, NE Fox Trail Dr, S Speck Ave, NW Delwood Dr, E 49 St S, NW Valley View Rd, Sedweek Ave, Andover Dr, Woodbury St$995

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,578 Homes (16% of total homes ) built between 1970 to 1979 in Independence are paying home insurance between $1,554-$1,569. Places close to Independence, MO such as Lake Tapawingo, Jackson County, Blue Springs are more expensive by $172, $28, $53 respectively while Sugar Creek and Birmingham are cheaper by $25 and $34 respectively for similar homes.
  • Bedrooms: 15,849 2 bedrooms homes (30% of total homes ) in Independence are paying about $825. Areas near to Independence such as Lake Tapawingo, Jackson County, River Bend are costlier by $91, $15, $30 respectively whereas Blue and Sugar Creek are more economical by $4, $14 respectively for similar homes.
  • Auto Insurance Bundling: 7,065 Households (22% of all households) in Independence have 3 or more vehicles available and when it is bundled with home insurance you can save $239. Discounts for similar bundling in close by locations such as Blue, Lake Tapawingo, Sugar Creek come to $238, $266, $235 respectively.
  • Senior Discounts: 16,111 seniors (more than 55 years) occupied housing units (51% of total) in Independence get discounts between $143 to $146. The comparative concessions in proximate regions such as Blue, Lake Tapawingo and Sugar Creek are $143, $159 and $141 respectively.
  • New Homes discounts: New homes such as the 18,911 homes built between 2000 to 2009 in Independence can save $191 and differs from Blue ($190), Lake Tapawingo ($212), Sugar Creek ($188).

Independence Homeowners insurance Facts

  • Independence, MO has 31,321 owner occupied houses which is 66.0% of all units whereas Blue, Lake Tapawingo and Sugar Creek have 62.35%, 94.03% and 65.22% respectively.
  • Independence, MO homeowners yearly insurance price at $959 is 0.91% of the typical house value of $105,100 which is in contrast with 0.97% in Blue, 0.43% at Lake Tapawingo & 1.14% in Sugar Creek.
  • Homeowners in Independence, MO pay 1.74% of their income ($50,000 to $59,999) in insurance whereas homeowners in Blue, Lake Tapawingo and Sugar Creek pay 1.73%, 1.93% and 1.71% respectively.
  • Independence, MO’s insurance is 7.1% of monthly housing costs of $1,131/month, for owners with a mortgage compared to 7.23% in Blue, 4.8% at Lake Tapawingo & 7.61% in Sugar Creek. But, for households without a mortgage, insurance is 18.3% of costs ($437 in Independence, MO) in contrast with 19.34% in Blue, 12.78% at Lake Tapawingo & 20.25% in Sugar Creek.

Independence, MO Home Values & Insurance rates

For example, insurance for 1,314 Homes (4.0% of total homes ) valued between $175,000 to $199,999 in Independence, MO is about $1,707. Rates in nearby areas in such as Lake Tapawingo, Jackson County, Blue Springs are cheaper by $909, $283, $459 respectively while Blue and Raytown are costlier by $115 and $25 respectively for similar homes.

Independence, MO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,301 7.0% $220
$50,000 to $59,999 1,312 4.0% $469
$60,000 to $69,999 1,944 6.0% $584
$70,000 to $79,999 2,730 8.0% $680
$80,000 to $89,999 3,113 10.0% $767
$90,000 to $99,999 3,070 9.0% $863
$100,000 to $124,999 5,856 18.0% $997
$125,000 to $149,999 3,808 12.0% $1246
$150,000 to $174,999 2,242 7.0% $1476
$175,000 to $199,999 1,314 4.0% $1707
$200,000 to $249,999 1,656 5.0% $2052
$250,000 to $299,999 922 2.0% $2512
$300,000 to $399,999 581 1.0% $3193

Renters Insurance in Independence

  • Average Renters Insurance in Independence :  $208($17/month)

  • Median Gross Rent in Independence :  $742

  • Independence Renters Insurance to Median Rent Ratio:  2.29%

  • Renter occupied housing units in Independence :  16,140

Independence Renters Insurance as a Percentage of Rent

Independence Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 301 1.0% $352
$200 to $299 474 3.0% $802
$300 to $499 1,841 12.0% $1252
$500 to $749 5,219 34.0% $1927
$750 to $999 4,696 30.0% $2677
$1,000 to $1,499 2,275 14.0% $3802
$1,500 or more 471 3.0% $5452

Rent Affordability in Independence:

Approximately 45.0% (7,401) of households are spending more than 35% of their income on gross rent in Independence

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,575 9.0%
15.0 to 19.9 percent 2,223 13.0%
20.0 to 24.9 percent 1,930 11.0%
25.0 to 29.9 percent 1,641 10.0%
30.0 to 34.9 percent 1,370 8.0%
35.0 percent or more 7,401 45.0%

Independence Renters Insurance Discounts:

Independence Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Independence, MO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,451 52.0% $20.8
2 vehicles available 4,167 25.0% $31.2
3 or more vehicles available 925 5.0% $41.6

Protective device discount in Independence Up to :  $31

Claims-free discount in Independence Up to :  $41