Raytown Insurance Rates:

Raytown, MO homeowners insurance is roughly $813 to $1,103, about $67-$91/month. Our thorough guide reveals consumers can save as much as $382 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Communications is the name of the game and between our agent and emails, we have always had great customer service.
Geico
I wish geico had more flexible customer service hours because sometimes i have questions regarding my membership and changes to my account
Geico
I signed up online and didn't even need to call geico for anything. my cards and all info were emailed.
State Farm
I like that I can follow any claims online or in the app without having to make a phone call, anytime I have a question. Login and website (as well as app) navigation is very easy and feels effortless. No real complaints in this area.
Alfa Insurance
It gives the pertinent information for my local agent, phone number, etc. That's pretty much all I need to know. I really don't know of anything I'd like better except to be able to pay a premium or check it online.
American Family
The company has provided me all these years with good agents who regularly contact me. The rates on the policies are in line with other companies and the discounts with bundling policies make it simple to just renew the coverage each year without getting quotes from other ones
State Farm
This premium is much lower than our previous company. It is not the lowest premium we have seen but by far offer the best coverage for the money we pay and we get a discount by having our auto insurance through them as well.
Progressive
The only thing I dislike about this company is that the price goes up every year. As we already have car insurance with this company which makes it more expensive.

Raytown, MO Homeowners Insurance By Home Value

Raytown, MO Home Value Total Homes % of Total Average Raytown, MO Homeowners Insurance
Less than $50,000 283 3.0% $229
$50,000 to $59,999 141 1.0% $478
$60,000 to $69,999 508 6.0% $593
$70,000 to $79,999 579 6.0% $689
$80,000 to $89,999 1,215 14.0% $784
$90,000 to $99,999 1,189 14.0% $870
$100,000 to $124,999 2,051 24.0% $1014
$125,000 to $149,999 1,356 16.0% $1263
$150,000 to $174,999 556 6.0% $1502
$175,000 to $199,999 137 1.0% $1732
$200,000 to $249,999 144 1.0% $2076
$250,000 to $299,999 156 1.0% $2545

Top Home Insurance Agents Near Raytown, MO

Home Insurance Company Near Raytown, MO Homeowners Insurance Agency Near Raytown, MO Address
State Farm Drayton Riley 101 SE 2nd St, Lees Summit, MO, 64063-2319
State Farm Greg Aldridge 13501 W 87th Street Pkwy, Lenexa, KS, 66215-2408
Travelers Insurance Analysts 10000 W 75 STE 119, SHAWNEE MISSION, KS, 66204
Travelers Marsh & Mclennan Agency Llc 7015 COLLEGE BLVD STE 400, OVERLAND PARK, KS, 66211
State Farm Ryan Lorei 10551 Barkley St Ste 100, Overland Park, KS, 66212-1879

Cost Of Homeowners Insurance By Street Near Raytown, MO

Streets in Raytown Area Homeowners Insurance Cost
Fuller Dr, Dittman Ave, Proctor Ave, E 59th Ter Cir, Harvard Ter, Larson Ct, E 88 Ter, Tennessee Ave, Tennessee Ave, E 94th Ter$983
Woodson Dr, Frost Rd, Marion Dr, 86th St, W Longview Pkwy, Wildwood Dr, E 90 Cir, Railroad St, 86th Ter, Willis Ct$966
Fairwood Ct, Hidden Lake Dr, Sycamore Ct, E 80th Dr, Richards Cir, E 78 Pl, E 71 St, Crysler Ave, E 91st Ter, Ridgeway Ct$963
E 65 Ter, Leslie Ave, Elm Pl, Harrison Rd, 71st St Dr, Holliday Rd, Northern St, E 64th Ter, E 65 Ter, Hadley St$1,129
E 71st St, Norwood Ave, Raytown Trfy, Rice Ave, E 79th Dr, Ford Ave, E 88 Pl, E 93rd Pl, E 94 Ter, Raytown Trfy$968

Raytown, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Raytown$143 to $146
Brooking$143
Jackson County$146
Lee's Summit$152

Raytown, 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
Brooking township, Jackson County, Missouri $143 $191 $287
Jackson County, Missouri $146 $195 $293
Lee's Summit city, Missouri $152 $203 $305

Raytown, 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
Raytown, MO7.0%18.2%
Brooking6.95%18.64%
Jackson County6.25%18.03%
Lee's Summit5.13%15.22%

Raytown Renters Insurance as a Percentage of Rent

Raytown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 56 1.0% $803
$300 to $499 178 5.0% $1253
$500 to $749 1,158 34.0% $1928
$750 to $999 1,051 31.0% $2678
$1,000 to $1,499 792 23.0% $3803
$1,500 or more 113 3.0% $5453

Raytown, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Raytown Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,900$10,300
Net Savings to Raytown Home Owner from High Deductible Plan $600

Raytown, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Raytown, MO Home Replacement Value MORE than Home Value Raytown, MO Home Replacement Value LESS than Home Value
Replacement Value $162,000 $109,500
Insurance Premium based on Replacement Value $650 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,500 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Raytown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceLiberty Mutual
Monthly Premium 1036681
Year Built 196719741980
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$150000-$175000$200000-$250000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 335,000 Membrane Roof 4,920 5 $500- $1000 Deductible 170 1 Brick siding No
1980 240,000 Metal Roof 3,400 5 $5000 to $10,000 Deductible 760 10 Stone Siding yes
1976 165,000 Wood Shake Roof 1,920 3 $1000-$2500 Deductible 180 3 Stucco siding yes
1980 185,000 Asphalt Shingles Roof 2,170 4 $500 Deductible 600 8 Stucco siding No
1973 120,000 Slate Shingles Roof 2,100 3 $500 Deductible 90 2 Brick siding yes
1960 175,000 Wood Shake Roof 2,540 5 $1000-$2500 Deductible 470 10 Stucco siding yes
1965 170,000 Asphalt Shingles Roof 2,680 5 $1000-$2500 Deductible 50 1 Wood siding No
1962 175,000 Asphalt Shingles Roof 2,560 5 $1000-$2500 Deductible 280 6 Brick siding yes
1961 135,000 Metal Roof 1,730 3 $500- $1000 Deductible 50 1 Brick siding yes
1972 150,000 Slate Shingles Roof 2,020 5 $5000 to $10,000 Deductible 280 6 Wood siding yes
1960 330,000 Shingles Roof 3,810 5 > $10,000 Deductible 680 9 Wood siding No
1969 195,000 Shingles Roof 2,730 4 $500 Deductible 130 2 Vinyl siding yes
1967 170,000 Composition Roof 2,160 3 $2500-$5000 Deductible 310 6 Brick siding yes
1966 235,000 Shingles Roof 3,880 5 $2500-$5000 Deductible 640 12 Stone Siding No
1976 355,000 Asphalt Shingles Roof 4,880 5 $1000-$2500 Deductible 210 2 Brick siding No
1981 135,000 Composition Roof 1,810 5 $500 Deductible 170 3 Wood siding No
1962 120,000 Slate Shingles Roof 2,010 4 $500 Deductible 270 5 Fiber-Cement Siding No
1962 105,000 Slate Shingles Roof 1,760 5 $1000-$2500 Deductible 230 7 Wood siding No
1986 125,000 Tile Roof 1,750 5 $1000-$2500 Deductible 610 12 Fiber-Cement Siding No
1982 145,000 Shingles Roof 2,160 4 $2500-$5000 Deductible 140 4 Brick siding No
1968 155,000 Shingles Roof 2,700 4 $500 Deductible 310 5 Wood siding yes
1978 185,000 Shingles Roof 3,060 4 $5000 to $10,000 Deductible 50 1 Brick siding No
1981 250,000 Tile Roof 3,140 5 $500- $1000 Deductible 290 3 Wood siding No
1964 135,000 Shingles Roof 2,230 4 $500 Deductible 460 6 Brick siding No
1978 285,000 Slate Shingles Roof 4,500 5 $500- $1000 Deductible 190 2 Brick siding yes
1967 210,000 Metal Roof 2,900 4 $2500-$5000 Deductible 510 8 Vinyl siding yes
1969 130,000 Metal Roof 2,000 3 $500 Deductible 540 8 Brick siding No
1961 105,000 Asphalt Shingles Roof 1,870 4 $500 Deductible 160 4 Brick siding yes
1975 75,000 Metal Roof 1,270 3 $500- $1000 Deductible 170 9 Vinyl siding yes
1969 205,000 Composition Roof 3,370 4 > $10,000 Deductible 280 5 Stone Siding No