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Homeowners Insurance

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Insurance Information

We work hard for you to provide the best homeowners insurance coverage at the best rates!
Proudly serving Kansas City, Missouri and surrounding areas

Homeowners Insurance

Are you looking for affordable home insurance in Kansas City? Bargain Insurance Connection offers homeowners insurance coverage in Kansas City for first time home buyers or just customers looking to save money on their homeowners insurance.


We offer different policies, from simple dwelling coverage to more comprehensive homeowner policies. You don't need to have current insurance coverage to get insured through Bargain Insurance Connection, but it can help get the lowest rates. Regardless of age of your home or value, we have the coverage you need. We compare insurance rates from many national insurance companies to match your home insurance needs, so all you need is one phone call to us or fill out our online form.


Bargain Insurance Connection can also help you secure your valuable possessions under your homeowner policy. You will want to make sure that your homeowner's insurance is placed with enough coverage to replace the house and also replace the contents inside. We can help you determine how much additional coverage above the home's value should be added onto your policy.


Damages caused by earthquakes, floods  or war are excluded from a standard homeowner's insurance policy. Special insurance policies are available to protect yourself from these possibilities, such as a flood insurance policy.


Most individuals borrow money to finance the purchase of their home. The lenders will require a borrower have home insurance as part of the agreement to qualify for a home loan. This protects the lender's investment in the case that the house is destroyed. In many cases we can bill your mortgage company for the insurance premium, since you pay into the escrow account each month along with your mortgage payment.


Rental Properties:


At Bargain Insurance Connection we have landlord packages that insure the dwelling and also include liability coverage in case somebody is injured on your property. You can have the peace of mind your home is protected while you have tenants living there. 


Vacant Properties:


Whether you just purchased an investment property that you want to renovate and resell or just looking to rent it out, we have the right coverage for you. We provide vacant home insurance which includes coverage against windstorm, hail, lightning, fire and vandalism. This policy also provides liability coverage for your property.


Lowering Home Insurance Costs and Saving Money


Lowering your home insurance rates is not the easiest task in today's market, but by following the below tips you can take control of your home insurance costs and start saving money. At the same time, cost should not be the only factor considered when comparing home insurance policies. It's important to understand the coverage you will be receiving for the price and determine if it fits your personal needs.


Shop Around

One the most important ways to save money on your homeowners insurance is to comparison shop. Bargain Insurance Connection will provide you with a free homeowners quote from several of the top insurance companies. This makes the shopping and comparing your home insurance easier than ever – we do the research and work for you!


Multi-Policy Discounts

By having your home and car insurance with the same insurance company, you may qualify for additional discounts. Your local Bargain Insurance Connection agent can review with you which companies offer this type of discount and discuss your options.

Few things to ask your insurance agent:

- Ask at what value should you insurance you house for? There are different settlements when it come to claims. Most common one is to insure your property for Replacement Cost Coverage (RCV). This type of policy would rebuild your house at equal size and replace your belongings at values when new. Another common property valuation is Actual Cash Value or ACV. This policy would pay you the depreciated value of your house and the contents. ACV policies are generally cheaper than replacement cost, but also offer lesser coverage. Depending on the age or the condition of the home, not all will qualify for the replacement cost.

- What discounts can I get? If you have another policy, like auto insurance, with the same company, you would qualify for a multi policy discount. If you have a burglar alarm installed can also help you with the insurance premium. New roof that you recently had installed would give you cheaper home insurance. Mention any updates that you have done to the house like plumbing or electrical updates can all help you lower your premium.

- Ask what is generally not covered under a home insurance policy. There are some endorsements you can add to your homeowners insurance policy that can extend coverages, things like sewer back up if it floods your house. 

How to get a Home Insurance Quote?

It's easy, fill out our online form or simply call us at 816.453.7722. You can save money by bundling auto and home insurance together. Call us today.

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