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Independent agency, Kansas City metro
One agency. Fourteen carriers. Your clearer path to coverage.
Clearpath shops auto, home, life and business insurance across fourteen companies, then explains the difference in plain dollars.
- 4.9 average from 412 reviews
- 3,100+ households and businesses
- Missouri & Kansas licensed
What we write
Nine coverages, shopped across fourteen carriers
Personal and commercial lines under one roof, so your auto, your house and your business are not three separate conversations.
Browse all coverage
Auto insuranceLiability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.See what it covers 
Home insuranceDwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.See what it covers 
Life insuranceTerm, whole life and final expense policies sized with a real needs calculation instead of a round number.See what it covers 
Business owners policyProperty, general liability and business income bundled for Kansas City shops, offices, studios and contractors.See what it covers Also written here
Not sure where to start?
Answer four questions and we will tell you what to carry.
Fourteen carriers compete for your policy
Meet the carriersCarrier names shown are fictional samples for this demo. Appetite and availability vary by ZIP code and risk.
How a Clearpath quote actually goes
Four steps, no pressure, and a written comparison you keep whether you move your policy or not.
Start a quote- 1
Send your declarations page
One photo or PDF of your current policy. It tells us your limits, your discounts and your renewal date.
- 2
We shop fourteen carriers
Same limits, same deductibles, compared apples to apples. Usually back to you the same business day.
- 3
We tune the coverage
We show you in dollars what raising liability or changing a deductible actually costs, then you decide.
- 4
We handle the switch
Cancellation, timing and lender notifications, arranged so there is never a gap in coverage.
Service center
Routine service without the hold music
Being insured should not mean phone trees. Four of the five things people call about are handled online, any hour.
Open the service centerPull an ID card
Digital auto ID cards straight from the carrier app, or a PDF emailed from our office, usually within the hour during office hours.
Get an ID card
Change a policy
New car, new address, new driver, new roof. Send the details once and we handle every carrier form behind it.
Request a change
Report a claim
A 24/7 intake line, then a named Clearpath advocate who tracks the adjuster, the estimate and the payment with you.
Go to the claims center
Annual coverage checkup
Twenty minutes, once a year, included
Policies drift. Construction costs rise, kids start driving, businesses hire. Every Clearpath household gets a yearly review that puts the whole picture back on one page.
- Dwelling limit re-estimated at current local rebuild costs
- Wind and hail deductible converted into actual dollars
- Liability limits checked against what you could lose
- Water backup and service line coverage confirmed
- Discounts audited: multi-policy, paid in full, alarm, telematics
- Teen drivers, new cars and new lienholders added correctly
- Life insurance need recalculated after births, moves and raises
- Business class codes and payroll estimates reviewed
- Renewal rate compared against our other thirteen carriers
- Everything written down in a one-page summary you keep
No feeIncluded with every policy we write
Kansas City, both sides of the line
We insure the metro we live in
Clearpath opened on Main Street in 2011 and never moved. We write policies in Brookside bungalows, Overland Park cul-de-sacs, Northland acreage and Crossroads storefronts, and we know how differently each of those rates.
All service areas
What Kansas City says about us
4.9 average across 412 reviews from households and small businesses in the metro.
Read all reviewsThey found our 1927 bungalow was insured for about $90,000 less than it would cost to rebuild. Fixed it and our combined price still went down.
Home + auto bundle
Adding our 16-year-old was going to be brutal. Clearpath quoted six companies and the spread was almost $1,400 a year for identical coverage.
Auto with a teen driver
Sewer backup in a finished basement. Because they had insisted on the higher limit two years earlier, we were not out of pocket for the rebuild.
Home claim
I needed a certificate naming a general contractor by 4pm on a Friday. It was in my inbox in 20 minutes with the waiver attached.
Business owners policy
Signed a lease Tuesday and the leasing office needed proof Wednesday. Done same day, and it turned out cheaper bundled with my car.
Renters insurance
My work truck was on a personal policy for three years. They explained exactly why that would have been denied and moved it the same week.
Commercial auto
The calculator gave me a number I could actually explain to my husband. No pressure to buy whole life when term was the right answer.
Life insurance
Two cars and a roof after the April storm. One phone call, one adjuster schedule, and someone in the office who actually knew our file.
Hail claim, auto + home
Sample bundled programs
Three combinations we write constantly in this metro. Figures are illustrations, not quotes: your real number depends on your address, vehicles and history.
Get your actual numberEssential
Auto plus renters, written to real liability limits.
$118per month, sample
Best for renters and first apartments
- Auto liability at 100/300/100
- Renters contents and $300,000 liability
- Uninsured motorist matched to liability
- Annual coverage checkup
- 24/7 claims line with a named advocate
Household
Home plus two vehicles, the bundle most of our clients hold.
$246per month, sample
Best for homeowners with one or two cars
- Home with extended replacement cost dwelling
- Water backup and service line endorsements
- Two vehicles at 100/300/100 with full coverage
- Multi-policy and paid-in-full discounts applied
- Annual coverage checkup and renewal reshop
- 24/7 claims line with a named advocate
Complete
Everything above plus umbrella and life, reviewed together.
$329per month, sample
Best for households with equity, savings or teen drivers
- Everything in Household
- $1 million personal umbrella
- Term life sized by the needs calculator
- Scheduled jewelry and valuables
- Priority claims advocacy
- Two coverage reviews per year
Sample figures for illustration only. They are not quotes, not offers of insurance and not a guarantee of availability or price. Actual premium depends on carrier underwriting.
A claim, start to finish
A client claim story
The April storm took our roof and dented both cars in the driveway. I called one number, and Clearpath had the home adjuster and the auto adjuster scheduled before the end of the day. Nobody made me explain the situation twice.
Greg Tanaka, Northland, Kansas City
Hail claim on auto and home · May 2026
- Claim first contact under 4 hours (sample average)
- A named advocate on every claim file
- 24/7 claims line, 365 days
Common questions
Straight answers, before you ask
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
A captive agent can only sell you one company's policy. We are appointed with fourteen carriers, so we enter your information once and compare real quotes across all of them. When your carrier files a rate increase, we reshop instead of asking you to accept it.
About five minutes online through our quote form, or roughly fifteen minutes on the phone if you want us to review limits as we go. If you send a photo of your current declarations page, we can usually return a written comparison the same business day.
Most Kansas City homeowners policies now apply a separate deductible for wind and hail damage, written as a percentage of the dwelling limit. On a $400,000 dwelling limit, a 2 percent deductible means $8,000 comes out of your pocket first. We always convert it to dollars so there are no surprises.
Call either. Our 24/7 claims line routes to the carrier intake team after hours, and a Clearpath advocate picks up your file the next business morning. Calling us first means someone local is tracking the claim alongside you.
No. We are paid a commission by the carrier that writes your policy, and that commission is already inside the rate the carrier files. Working with us does not make the same policy cost more.
Yes. Every Clearpath household gets an annual coverage checkup: limits, discounts, life changes and a reshop if your rate moved. It takes about twenty minutes and it is included.
Let's find your clearer path
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.