Auto & Home Insurance in Kansas City, MO
Independent Coverage, Kansas City Style
R Thompson Insurance designs auto and home insurance policies for Kansas City drivers and homeowners. From Crossroads and Westport to Brookside, Waldo, Midtown, and the River Market, we help you compare carriers and choose the right fit. Our independent approach means transparent options for auto and home insurance, prioritizing straightforward steps to get covered and move on with your day.
Auto Insurance Built For City Streets
From streetcar districts to I-70 and I-35 commutes, your car sees it all. We’ll review Missouri liability minimums vs. full coverage, then set deductibles and add-ons (comprehensive, collision, rental, glass) that match your vehicle, budget, and garaging ZIP. Discounts can include multi-car, safe-driver/telematics, and bundle options with your home. Expect quick proof of insurance for registration or renewals.
Home Coverage That Fits KC Homes
KC roofs and weather are a real thing. We’ll help align your dwelling limit to today’s rebuild costs, account for roof age and materials, and discuss wind/hail deductibles common across the metro. Personal property, liability, and loss-of-use come standard; endorsements can fine-tune jewelry, collectibles, or water backup. Ask how bundling home and auto can lower both premiums.
Why Choose An Independent KC Agency
Choice matters. We shop multiple carriers for you, lay out the differences in plain language, and help you decide—no single-brand pressure. Need quick help for a landlord or lender? Count on fast certificates and proof of insurance. Want one bill and fewer headaches? We’ll walk you through bundle savings and annual reviews so your policy keeps pace with life changes around the Plaza or North KC.
What We Offer
Auto
State minimums vs. full coverage, comp/collision, roadside, rental, safe-driver programs
Home
Replacement cost, roof/wind/hail, water backup, valuables scheduling, smart-home/alarms discounts
Cross-sell options
Umbrella liability, life insurance, and renters or condo policies for in-town living
FAQ for and by Kansas City Residents
What affects car insurance rates in Kansas City?
Your driving record, age, vehicle type, garaging ZIP, annual mileage, prior claims, and chosen coverage limits all play a role. Discounts like multi-car, telematics, and bundling can help.
Is Missouri an at-fault state for car accidents?
Yes. Liability laws apply, and drivers must maintain active insurance and carry proof of insurance for registration and renewals.
How much home coverage do I need in KC?
Start with a replacement-cost estimate based on your home’s features and local construction costs. We revisit limits each year to reflect inflation and updates.
Are wind and hail part of KC home policies?
Typically yes, with a dollar or percentage deductible. Roof age, materials, and recent repairs can influence pricing and terms.
Can I bundle home & auto for a discount?
Often. Bundling can reduce total cost, simplify renewals, and may add perks like a single deductible event.
Do you provide fast proof of insurance for landlords and lenders?
Yes. We can issue mortgagee updates, additional interest listings, and lender or landlord declarations quickly.
What if I’m new to the city and don’t know where to start?
Share your address and current policies. We’ll translate Missouri requirements, compare options, and set up a timeline that works with moves around Downtown, Westside, or the Crossroads.
Ready To Compare?
Tell us about your drivers, vehicles, and home, and we’ll return clear, side-by-side choices. Serving Kansas City, MO and nearby neighborhoods with prompt follow-ups and local guidance from Lenexa/Overland Park.
