Bbflegacy Headquarters
2416 NE Carousel Cir, Lees Summit, MO 64064
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Lees Summit households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2416 NE Carousel Cir, Lees Summit, MO 64064
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656 SE Bayberry Ln, STE 105, Lees Summit, MO 64063
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721 NE Lakewood Blvd, Lees Summit, MO 64064
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651 NE Woods Chapel Rd, Ste 101, Lees Summit, MO 64064
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2641 NE McBaine Dr, Lees Summit, MO 64064
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Learn about insurance coverage options specific to Lees Summit residents.
Complete guide to auto, home, and insurance options in Lee's Summit, Missouri. Find local agents, coverage requirements, and money-saving tips for Jackson County residents.
Home InsuranceLee's Summit home insurance averages $3,947/year due to tornado risk. Learn about coverage needs, flood insurance, and ways to save on premiums.
General Insurance EducationComplete insurance guide for Lee's Summit, MO. Compare auto, home, and life insurance costs. Learn what coverage you need for tornado risks and Midwest weather.
Car InsuranceLee's Summit auto insurance averages $1,890/year. Learn about Missouri's 25/50/25 minimums, I-470 corridor risks, and why higher coverage protects you.
Missouri requires $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage. You also need uninsured motorist coverage of $25,000/$50,000. However, most insurance professionals recommend higher limits—at least 100/300/100—to adequately protect your assets in case of a serious accident.
Jackson County has a very high tornado risk, which significantly increases insurance premiums. Spring storms bringing tornadoes and hail are common, and insurers price this weather risk into your policy. Missouri's average homeowners premium of $3,290 is already 56% higher than the national average, and Jackson County often exceeds that due to local weather patterns.
Standard homeowners policies don't cover flooding, and parts of Lee's Summit sit near flood-prone areas. If your home is near creeks or in low-lying zones, flood insurance through the National Flood Insurance Program is worth considering. Even areas outside high-risk flood zones can experience flooding during heavy rains, and recovery costs without insurance can be devastating.
Most insurance companies offer 15-25% discounts when you bundle home and auto policies with them. For a Lee's Summit household paying $1,500 annually for auto and $3,500 for home insurance, that's potential savings of $750-$1,250 per year. Always get quotes both bundled and separate to ensure you're getting the best deal.
Both have advantages. Local agents understand Jackson County's specific risks—tornado season, flood zones, local claims trends—and can provide personalized advice. Independent agents can shop multiple insurers for you. Online options may offer lower prices but less personal service. Many Lee's Summit residents prefer local agents for complex coverage like home insurance while using online quotes for simple auto policies.
Common discounts include bundling home and auto (15-25%), good student discounts for teens with B averages or better, defensive driving course credits, multi-car discounts, claims-free history discounts, and safety feature discounts for anti-theft devices or advanced driver assistance systems. Your credit score also significantly impacts rates in Missouri, so improving your credit can lower premiums.
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