Outbuildings and acreage
Barns and workshops need their own limits, not a share of the default other structures allowance.
Liberty & the Northland, MO
Insurance in Liberty & the Northland
Acreage, outbuildings, boats and business vehicles parked at home.
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Local detail
What is different about Northland
North of the river, properties get larger and so do the things parked on them. Pole barns, workshops, boats, side-by-sides and work trucks are common, and each one needs a deliberate decision about where it belongs on the policy.
We also write a lot of commercial auto up here, because the Northland is full of trades running one or two trucks out of a residential address.
Three things we watch in Northland
The coverage details that come up again and again at this end of the metro.
Toys and trailers
Boats and recreational vehicles need underlying coverage before an umbrella will sit over them.
Work trucks at home
A truck titled to a business and parked in the driveway belongs on commercial auto, not a personal policy.
Most requested here
What Northland clients buy
The three coverages we place most often at this address range.
All nine coveragesHome insuranceDwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.Sample: $148/moCommercial autoVehicles, trailers and hired or non-owned exposure for trades, delivery fleets and service businesses.Sample: $186/mo per vehicleUmbrella insuranceAn extra million or more of liability sitting above your auto and home policies, for surprisingly little.Sample: $21/mo
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
Other areas we serve
Same office, same fourteen carriers, different local quirks.
All service areasQuote your Northland address
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.