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Home Insurance Costs with Deductible Scenarios in Independence, MO & Nearby Areas

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
(> $10,000 Deductible)
Low Deductible($)
($1000-$2500 Deductible)
Independence $100,000 $308 $480
Oak Grove $120,000 $380 $601
Oaks $235,000 $635 $1,898
Sibley $100,000 $312 $517
Prairie Village $215,000 $1,395 $1,100
Excelsior Springs $110,000 $339 $549
Oakwood Park $135,000 $468 $680
Fleming $90,000 $294 $431
Raytown $100,000 $306 $464
Napoleon $95,000 $285 $458

Impact of Coverage Amount on Home Insurance Cost In Independence, MO

Coverage Amount Home Insurance Cost ($)
$100000 $1,053
$250000 $1,263
$500000 $2,021
$750000 $2,628
$1000000 $3,363
More than $1000000 $3,889


Independence, MO Homeowners Insurance Rates Compared to State & National Average Rates

Average Home Insurance Cost($)
National Average $1224
Independence, MO Average Home Insurance Cost$957
State Average Home Insurance Cost$1,188
Difference Vs national Average-267

Best Home Insurance Quotes & Estimates for Properties Near Independence, MO

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$500- $1000 Deductible $122,500 $440 W Sea St, S Mc Coy St
$500 Deductible $114,500 $440 Manor Rd
$1000-$2500 Deductible $78,500 $300 E 7 Ter
$1000-$2500 Deductible $148,000 $460 N Cedarcrest Dr
$500 Deductible $120,000 $540 E 11th St Ct N
$1000-$2500 Deductible $127,500 $480 Roberts
$2500-$5000 Deductible $77,500 $270 S Eastland Center Ct
$1000-$2500 Deductible $382,000 $1230 NW 37th St Ter

Top Homeowners Insurance Companies in Independence, MO

Insurance Provider Average Homeowners Insurance Cost($)
Shelter $2,066
State Farm $1,847
AAA $1,700
Safeco $1,405

Independence, MO Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claims Free -48 909
One Claim +67 1024
Two Claims +124 1081