Personalized Coverage Tailored Just for You

Kansas City Home, Auto & Personal Coverage

Living in Kansas City means juggling a lot—workday commutes on I-35, weekend games at Arrowhead, errands in Overland Park, or evenings out in Brookside. Your insurance should keep up. We focus on auto insurance and homeowners coverage for families across Kansas City, Overland Park, Shawnee, Leawood, Olathe, and North Kansas City. As an independent agency, we compare carriers side by side, explain your options clearly, and help you find discounts that actually fit your life. Beyond home and auto, we can also line up renters, condo, umbrella, motorcycle, RV, and pet coverage—so everything is under one roof.


How we help: side-by-side carrier comparisons, safe-driver and telematics programs, and smart ways to bundle home & auto for extra savings. We’ll also make sure you meet Kansas and Missouri requirements and get quick proof of insurance for registration and renewals.

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Auto Insurance

Drive confidently across Kansas City. From winter commutes on I-35 to weekend trips to the Country Club Plaza, we’ll help you choose liability, collision, and comprehensive limits that match your vehicle and budget. We’ll explain deductibles, glass coverage, loan/lease needs, and how discounts like safe-driver apps or multi-car policies may apply.

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Boat, Yacht & Personal Watercraft

Make lake days easy. Whether you’re heading to Smithville Lake or Clinton Lake, coverage can include on-water liability, hull damage, trailers, and gear. Ask about navigation limits and lay-up periods to match how you use your boat or jet ski.

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Classic Car Insurance

Protect what you’ve restored. For collectors cruising KC Cars & Coffee or mechanics tucked away in a Johnson County garage, we’ll discuss agreed value, mileage caps, and repair shop preferences so your classic is insured the way you intend.

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Condo Insurance

Condo living made simple. Pair your HOA’s master policy with coverage for walls-in improvements, personal property, and loss assessment, whether you’re near the Crossroads or in South Plaza.

Car submerged in flood water during rain.

Flood

When storms roll through the midwest, flood coverage can fill a critical gap. We’ll review risk around creeks and low-lying areas, waiting periods, and options through the NFIP or private markets.

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Home Insurance

Home coverage for KC neighborhoods. We’ll help set the right rebuild estimate, discuss roof age and wind/hail deductibles, and review discounts for alarms and smart-home devices. We can also recommend the best way to bundle home & auto for potential savings.

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Identity Theft Protection

Stay in control of your information. Monitoring, expense reimbursement, and support services can help you respond quickly if fraud occurs.

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Motorcycle Insurance

Two-wheel coverage for KC riders. From cruisers to sport bikes, choose liability, comprehensive, collision, and accessory coverage, with options for medical payments and roadside.

School bus icon.

Motor Home & RV

Hit the road with confidence. Coverage for Class A, B, and C rigs can include personal effects, campsite liability, and options for full-timer needs.

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Renter’s Insurance

Rent with confidence in Midtown, Westport, or the Northland. Protect personal property and personal liability, and see how renters policies can support proof of coverage for your lease.

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Umbrella Insurance

Extra liability can add meaningful protection beyond the limits of auto or home. We’ll review eligibility, required underlying limits, and how an umbrella may fit your situation.

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Valuable Items Protection

Insure jewelry, fine art, or collections with scheduled coverage and options for lost-mysterious disappearance, appraisals, and worldwide travel.

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Pet Insurance

Help manage vet bills for dogs and cats across the metro. Explore illness, accident, and wellness options, plus how deductibles and reimbursement levels work.

Your Insurance Questions Answered

  • What are Missouri’s minimum auto liability requirements?

    Missouri requires 25/50/25 liability coverage and proof of insurance. Drivers must show it when registering a car and keep it updated at renewal.

  • What does Kansas require for auto insurance?

    Kansas law requires liability and personal injury protection (PIP), which covers medical expenses and lost income no matter who’s at fault. We’ll help set limits that make sense for your needs.

  • Do Kansas and Missouri require proof of insurance at registration?

    Yes. Both states require proof of insurance at registration and renewal for vehicles. Digital ID cards are often accepted.

  • How can I lower my auto premium in Kansas City?

    Bundle home and auto, enroll in safe-driver/telematics programs, or raise deductibles carefully. Each carrier offers unique discount opportunities.

  • How much home insurance coverage do I really need?

    We’ll run a replacement cost estimate to align your dwelling coverage with local rebuild prices, then revisit annually to account for inflation or updates.

  • Is renters insurance required in Kansas City?

    Many landlords require it, but even if they don’t, renters insurance is affordable protection for personal property, liability, and loss-of-use.


  • What does umbrella insurance cover that my home or auto doesn’t?

    Umbrella liability adds an extra layer of protection above home and auto limits, helpful for high-cost claims or lawsuits.

Contact Me

Ready to compare personal insurance options for Kansas City residents? Share drivers, vehicles, addresses, current limits, and any other relevant considerations, and we’ll line up side-by-side quotes across multiple carriers.