Nestel Insurance Agency LLC
9233 Ward Pkwy, Ste 124, Kansas City, MO 64114
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9233 Ward Pkwy, Ste 124, Kansas City, MO 64114
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9601 NE Barry Rd, Ste 120, Kansas City, MO 64158
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11500 N Ambassador Dr, Ste 310, Kansas City, MO 64153
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5752 N Broadway St, Kansas City, MO 64118
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5752 N Broadway, Kansas City, MO 64118
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1100 Walnut St, Ste 3200, Kansas City, MO 64106
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6409 North Spruce Avenue, Kansas City, MO 64119
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Learn about insurance coverage options specific to Kansas City residents.
Complete insurance guide for Kansas City, Kansas. Learn about auto, home, and flood insurance requirements, local rates, and finding agents in Wyandotte County.
Home InsuranceKansas City, Kansas homeowners pay $3,285-$3,690/year for insurance. Learn about tornado risk, flood coverage, and how to save on premiums in Wyandotte County.
Car InsuranceKansas City, KS requires 25/50/25 liability plus PIP and uninsured motorist coverage. Learn what you need, what you'll pay, and how to save on premiums.
Kansas requires 25/50/25 liability coverage ($25,000 per person for injuries, $50,000 per accident for injuries, and $25,000 for property damage), plus Personal Injury Protection (PIP) with minimum $4,500 medical coverage, and uninsured/underinsured motorist coverage matching your liability limits. Kansas requires more coverage than most states.
No, standard homeowners insurance does not cover flooding. Wyandotte County borders the Missouri River and faces significant flood risk, so you'll need separate flood insurance through the National Flood Insurance Program. Coverage starts as low as $129 per year for low-to-moderate risk areas.
Home insurance in Kansas City costs an average of $3,285 per year, which is actually 15% cheaper than the Kansas state average. However, your actual cost will depend on your home's age, condition, location, and the coverage limits you choose.
Kansas is a no-fault state, meaning your own auto insurance pays for your medical expenses after an accident regardless of who caused it. This is why Kansas requires Personal Injury Protection (PIP) coverage. Your PIP pays your medical bills, lost wages, and other expenses up to your policy limits before you can sue the other driver.
Yes, most insurance experts recommend higher limits than the state minimum. Medical bills and car repairs are expensive, and the minimum $25,000 per person for injuries may not be enough if you cause a serious accident. Consider at least 100/300/100 limits if your budget allows, plus comprehensive and collision coverage to protect your own vehicle.
Wyandotte County faces two primary weather risks: flooding from the Missouri River and heavy rainfall, plus a moderately high tornado risk according to FEMA. These risks affect your insurance needs—you'll want flood insurance for flood protection and adequate homeowners coverage limits to rebuild after tornado damage.
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