Independence Insurance Rates:

Independence, MO homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State farm is a company that's always on your side. they have so much to offer you, and their monthly payments are a breeze.
Allstate
I had allstate insurance in wisconsin and i moved to the state of florida. all i wanted to do was to switch my insurance from state to state. they never told me they were going to take 2 months premium out of my checking account which totals $500. they told me my payment would be $126 a month and it was actually $236 a month and it took the $500 out of my account just to get it down to the $236. and all i've been doing is to be on the phone trying to get my money back and they are so evasive.
State Farm
I like our insurance company. they offer multi-policy discounts and our representative contacts us every few months to review our current policy and tries to get our rates down.
State Farm
My insurance company is very easy to get in touch with and they are responsive to my calls and communication, and do so in a very timely manner.
Shelter
The price for our insurance is very reasonable and i like having the option of how we can set up payments that fit our billing schedule.
State Farm
My biggest complaint with my current insurance company is the lack of communication when my agent decides to sell his company to another agent and no one notifies me that this has happened. I've had 5 different agents in the last 7 years.
Shelter
The website/mobile app that this company has provided works great, never had any issues with it at all. It's really easy to use even when making a payment.
Allstate
I haven't checked other insurance companies, so I don't know. It seems reasonable to me.
American Strategic Insurance
Proper services and effective hospitality that is being offered in this company made me like it very much.
Shelter
I only communicate with our mortgage broker and they handle all of the interactions with the insurance company.
Aaa
I like the mobile app because I can get a copy of my insurance card. I also like that there is a link to start a new claim. I dislike it because I rather talk to a live person instead of filling out a form.
Shelter
What I like about this company is that they seem to care and always take the time to help me out if I need anything done. I feel like they always have time for me and don't try to rush me out the door which does wonders for keeping me around. I'll pay a bit more for a company that I feel like cares about me.
Shelter
I feel like my rates may be a little higher than some of the other people I know I also feel like at times it takes them a bit to get back to me but nothing that is a massive deal.
Liberty Mutual
They are a great company and attend to all of my needs. I haven't had to use them yet, but am sure that if anything were to happen that they would be there to help.
Shelter
I dislike the way they communicate and try to confuse their clients by using certain terms/wording in their letters. I don't like the fact that it takes so long to get the depreciation money they withhold from my claim.
Motorists Mutual Insurance Company
i would recommend because i have had to file two claims with them before. one was a renters insurance claim years ago and they did not fight over anything and just sent me the money when my house was broken into. the other i totalled my car no other car involved, just a spin out in the rain on the highway and they took care of everything for me.
Ashley Swegle Agency
When i am not fully satisfied by such a company policy, I will never recommend the same to any of my friends or relatives. The company which is best shall be opted.
Allstate
I would not recommend them because they are difficult to file claims with and to get someone on the phone with, and once you do you get passed around several times.
State Farm
I would recommend this company because their customer service was great and we were able to bundle our home and auto for a better deal. It was easy working with them and they helped facilitate the home buying process
State Farm
Overall I would not change much about the company. They are friendly, polite, and offer a competitive service compared to other providers.
American Family
Way too expensive compared to what I can get from a more conventional insurance company.
Progressive
I'm not fond of the mobile app and the password policy, but those are more technical things. So far I have been pleased with the actual company. Also as I said before I have been with them for 20 years as an auto insurance customer, so I'm happy with Progressive.

Independence, MO Homeowners Insurance By Home Value

Independence, MO Home Value Total Homes % of Total Average Independence, MO 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

Top Home Insurance Agents Near Independence, MO

Home Insurance Company Near Independence, MO Homeowners Insurance Agency Near Independence, MO Address
State Farm Dave Tebbe 11654 W 75th St, Shawnee, KS, 66214-1372
Farmers Gary Lewis 11880 College Blvd Ste 202, Overland Park, KS, 66210
Travelers Insurance Inc 11211 Johnson Dr, Shawnee, KS, 66203
Farmers Rudolph Rudy Rodriguez 10503 Shawnee Mission Pkwy, Shawnee, KS, 66203
Farmers Stephen Benson 7767 Quivira Rd, Lenexa, KS, 66216

Cost Of Homeowners Insurance By Street Near Independence, MO

Streets in Independence Area Homeowners Insurance Cost
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

Independence, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Independence$143 to $146
Blue$143
Lake Tapawingo$159
Sugar Creek$141

Independence, MO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Blue township, Jackson County, Missouri $119 $159 $238
Lake Tapawingo city, Missouri $133 $177 $266
Sugar Creek city, Missouri $118 $157 $235

Independence, MO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Independence, MO7.1%18.3%
Blue7.23%19.34%
Lake Tapawingo4.8%12.78%
Sugar Creek7.61%20.25%

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

Independence, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Independence Homeowner Insurance Premium Example $1,600$1,200
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,000$11,200
Net Savings to Independence Home Owner from High Deductible Plan $800

Independence, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Independence, MO Home Replacement Value MORE than Home Value Independence, MO Home Replacement Value LESS than Home Value
Replacement Value $118,500 $90,500
Insurance Premium based on Replacement Value $700 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $15,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Independence Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 494967
Year Built 196519461971
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $150000-$175000$150000-$175000$150000-$175000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Independence, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 160,000 Wood Shake Roof 2,220 3 $2500-$5000 Deductible 200 4 Brick siding No
1973 85,000 Shingles Roof 1,420 2 $500 Deductible 40 1 Vinyl siding yes
1977 120,000 Composition Roof 1,580 2 $1000-$2500 Deductible 420 9 Wood siding yes
1983 275,000 Composition Roof 4,420 5 $5000 to $10,000 Deductible 270 3 Stone Siding No
1960 275,000 Asphalt Shingles Roof 3,280 5 $2500-$5000 Deductible 600 6 Vinyl siding yes
1987 120,000 Shingles Roof 1,520 2 $2500-$5000 Deductible 380 8 Vinyl siding yes
1965 175,000 Asphalt Shingles Roof 1,980 3 $500- $1000 Deductible 740 10 Brick siding yes
1961 180,000 Shingles Roof 2,270 4 $500- $1000 Deductible 190 2 Brick siding yes
1945 330,000 Slate Shingles Roof 4,250 5 $500 Deductible 1000 7 Wood siding yes
1970 190,000 Tile Roof 2,710 4 $500 Deductible 660 6 Vinyl siding yes
1941 200,000 Metal Roof 2,780 5 $500 Deductible 220 4 Wood siding No
1944 140,000 Slate Shingles Roof 1,730 5 $500 Deductible 230 5 Stucco siding No
1977 240,000 Asphalt Shingles Roof 3,920 5 $500 Deductible 590 6 Wood siding No
1975 110,000 Slate Shingles Roof 1,560 5 $500- $1000 Deductible 80 2 Vinyl siding No
1970 110,000 Metal Roof 1,400 2 $500- $1000 Deductible 230 5 Brick siding No
1982 190,000 Tile Roof 2,380 4 $2500-$5000 Deductible 670 9 Stucco siding yes
1971 165,000 Tile Roof 1,900 4 $5000 to $10,000 Deductible 330 9 Fiber-Cement Siding No
1977 120,000 Metal Roof 1,560 2 $500 Deductible 570 9 Wood siding yes
1965 190,000 Shingles Roof 2,860 4 $500- $1000 Deductible 300 4 Wood siding yes
1966 160,000 Composition Roof 1,900 3 $500- $1000 Deductible 380 6 Brick siding yes
1968 110,000 Slate Shingles Roof 1,730 3 $500- $1000 Deductible 60 1 Brick siding yes
1975 145,000 Slate Shingles Roof 2,040 4 $500 Deductible 240 4 Brick siding No
1944 140,000 Composition Roof 2,240 4 $1000-$2500 Deductible 200 6 Stucco siding No
1978 100,000 Asphalt Shingles Roof 1,120 2 $2500-$5000 Deductible 20 1 Stone Siding yes
1967 85,000 Shingles Roof 1,370 2 $1000-$2500 Deductible 80 3 Vinyl siding No
1982 85,000 Tile Roof 1,260 2 $2500-$5000 Deductible 140 8 Wood siding No
1985 95,000 Slate Shingles Roof 1,220 3 $1000-$2500 Deductible 200 6 Vinyl siding No
1980 170,000 Tile Roof 2,160 3 $2500-$5000 Deductible 110 2 Stone Siding No