Homeowners Insurance in Missouri – Protect Your Home
Comprehensive Homeowners Insurance for Kansas City Area Homes
Your home isn’t just four walls and a roof — it’s where memories are made, milestones are celebrated, and life unfolds. At Antioch Insurance, we treat your home as if it were our own, offering policies designed for Missouri homeowners facing local risks like severe storms, hail, and tornadoes.
As an independent agency, we compare top-rated carriers to find coverage that fits your home, lifestyle, and budget. Whether you own a new build in Liberty, a historic house in the Northland, or a vacation property, we make sure you’re not left underinsured.
What Does a Homeowners Insurance Policy Cover?
A standard homeowners policy includes several layers of protection, all explained in plain English:
We take time to walk you through what’s included — and what isn’t — so you can feel confident about your protection.
Additional Coverages & Options
Every home is different, and some families need more protection than a standard policy provides. Antioch offers guidance on add-ons such as:
Flood Insurance
Essential in certain areas of Missouri; homeowners policies don’t cover flooding.
Sewer & Drain Backup
Coverage for costly water damage caused by backups.
Earthquake Insurance
Added protection in a region where seismic activity is rare but possible.
Umbrella Liability
Extends your liability coverage beyond home policy limits (see our Umbrella Insurance page).
Why Home Insurance is Crucial in Missouri
Missouri homeowners face unique challenges — from severe thunderstorms to icy winters. The average cost of storm damage continues to rise statewide, making adequate coverage critical.
Is homeowners insurance required in Missouri?
Yes, if you have a mortgage, lenders require it. Even if you don’t, it’s one of the smartest ways to protect your largest investment.
What’s the average cost of home insurance in Missouri?
Costs vary, but our agents can help you compare options to get the right coverage at a fair rate.
Tailored Coverage for Your Needs
No two homes are alike, and neither are the families who live in them. Whether you own a starter home, a custom build, or a house in Liberty’s historic district, we tailor policies to fit.
We also help you save with multi-policy discounts — bundle your home and auto for added convenience and cost savings (see our Auto Insurance page).
Claim Examples & Preventive Tips
A homeowners policy isn’t just about covering big disasters — it’s also about the unexpected everyday risks.
Scenario:
A tree falls on your roof after a storm. Your dwelling coverage helps pay for repairs.
Scenario:
A guest trips on your driveway. Liability protection can cover medical bills and legal expenses.
Quick Tip:
Updating smoke detectors, installing a security system, or reinforcing your roof may lower your premiums. We’ll help you find practical ways to save.
Get Started – Free Home Insurance Quote
Your home is your most valuable asset — let us help you safeguard it. At Antioch Insurance, you’ll work with a local agent who knows the Kansas City community and takes the time to answer your questions.