Dwelling (Coverage A)
The cost to rebuild your home at today's local labor and material prices. We recommend extended replacement cost so a regional spike does not leave you short.
Personal lines
Home insurance
Dwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.
Sample: $148/mo14 carriers shoppedNo agency fee
Overview
What home insurance is really for
Kansas City sits in one of the busiest hail corridors in the country, and most local homeowners policies now carry a separate wind and hail deductible written as a percentage of the dwelling limit. If you do not know your percentage, you do not know your real out-of-pocket cost.
We rebuild the dwelling limit from current local construction costs rather than the purchase price, because a 1924 bungalow in Waldo with plaster walls and a slate roof costs far more to rebuild than it costs to buy.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Other structures
Detached garages, fences, sheds and that pergola you added last summer, usually 10 percent of the dwelling limit.
Personal property
Contents coverage, written on replacement cost rather than actual cash value so a ten-year-old sofa is not settled at scrap value.
Loss of use
Hotel, rental and restaurant costs above your normal spending while the house is uninhabitable.
Personal liability and medical payments
Injuries on your property or caused by your household, including the dog, subject to breed rules that vary by carrier.
Endorsements that matter here
Water backup, service line, equipment breakdown, ordinance or law, and scheduled items for rings, instruments and firearms.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Walk the house with us
Roof age, electrical panel, plumbing type, square footage and any recent updates. Fifteen minutes on the phone is usually enough.
- 2
Set a real rebuild number
We run a replacement-cost estimate and compare it with what your current policy carries.
- 3
Compare carrier appetite
Some carriers love older homes with updated systems. Others surcharge them heavily. We know which is which.
- 4
Bundle and bind
We pair the winner with your auto policy where the combined price wins, then set your renewal review.
Why clients choose us for this
- Wind and hail deductible explained in dollars, not percentages
- Roof settlement terms compared side by side before you buy
- Water backup and service line coverage quoted by default
- Annual review so your dwelling limit keeps up with construction costs
What moves the price
- Roof age and material
- The single biggest rating factor in this market. A roof over 15 years old narrows your carrier options sharply.
- Rebuild cost
- Square footage, finish level, and whether the home has features that are expensive to duplicate.
- Claims history
- Both yours and the property's. Prior water claims are weighted heavily.
- Protection class
- Distance to a fire hydrant and to the nearest responding station.
- Deductible structure
- A flat all-peril deductible plus a separate percentage deductible for wind and hail.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Auto insuranceLiability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.
Umbrella insuranceAn extra million or more of liability sitting above your auto and home policies, for surprisingly little.
Condo insuranceHO-6 coverage that fills the gap between your association's master policy and what you actually own.Home insurance questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
It is a deductible calculated as a share of your dwelling limit rather than a flat dollar amount. On a $400,000 dwelling limit, a 2 percent hail deductible means the first $8,000 of a hail claim is yours. We always convert it to dollars for you.
Not unless you add water backup coverage. It is one of the least expensive endorsements available and one of the most common claims in older Kansas City neighborhoods.
Usually not. Claims under or near your deductible rarely pay out and can affect your rate and eligibility for years. Call us first and we will tell you honestly whether filing helps.
Yes, though fewer carriers will offer replacement cost on the roof at that age. Several will write actual cash value instead. We will show you the difference in plain dollars before you decide.
Get this quoted properly
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.