Home Insurance in Gladstone, MO
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Your home is probably the biggest thing you own, and it’s where life happens. At the Kirk Hilt Agency, a local Allstate agency, we help homeowners in Gladstone, the Kansas City Northland, and across the Kansas City area protect it. From spring hail to a burst pipe, we’ll help you understand what your policy covers, and what it doesn’t, before you ever need to use it.
Protection for Your Home and Belongings
A home policy can help pay to repair or rebuild your house and replace your belongings after a covered loss, like a fire or storm damage. We'll help you pick coverage amounts that fit your home.
Coverage for Life's Accidents
Home insurance also includes personal liability coverage. It can help if someone gets hurt on your property and you're found responsible. We'll make sure your limits make sense for you.
Bundle Your Home and Auto
Insuring your home and car with us may help you save with a multi-policy discount. You also get one local agent and one office for both policies.
Does home insurance cover hail and wind damage?
Most standard home policies cover damage from hail and wind, which are common in the Kansas City area. Some policies have a separate deductible for wind and hail, so it’s worth checking yours. We’ll go over your coverage and deductible with you.
Does home insurance cover flooding?
Standard home insurance policies usually do not cover flood damage. Flood insurance is a separate policy. If you live near a creek or a low-lying area, or just want peace of mind, ask us about flood coverage.
How much home insurance do I need?
Your dwelling coverage should be enough to rebuild your home. That amount can be different from your home’s market value or what you paid for it. We’ll also look at how much coverage you need for your belongings and for liability.
What is the difference between replacement cost and actual cash value?
Replacement cost coverage helps pay what it costs to repair or replace something today. Actual cash value pays what the item was worth at the time of the loss, after wear and tear. We can explain which one your policy uses.
Can I bundle my home and auto insurance?
Yes. When you insure your home and car with Allstate, you may qualify for a multi-policy discount. It also means you have one local agent for both policies.
Do you offer renters, condo, or landlord insurance?
Yes. We help renters, condo owners, and landlords in Gladstone and across the Kansas City area find coverage that fits. Call us at (816) 420-0500 to talk about your situation.
Get Your Home Insurance Quote
Want to know your home is protected? Call the Kirk Hilt Agency at (816) 420-0500 or request a free quote online. You’re welcome to stop by our office at 6812 N Oak Trafficway, Unit 3, in Gladstone, or email quote@hiltinsurance.com.
Contact Info
Address: 6812 N Oak Trafficway, Gladstone, MO 64118
Why Work With a Local Agent?
We live and work in the Northland too. We know the storms that roll through Clay and Platte counties and what they can do to a roof or siding. When you have a question or need to start a claim, you can call or visit our Gladstone office and talk with someone who knows you. Our agents are licensed in Missouri and Kansas. We’re also happy to review your coverage when you remodel, add on, or buy a new home.
Coverage for Every Kind of Home
Not a homeowner? We also help with renters, condo, and landlord insurance. Ask us about optional coverage, like protection for water that backs up from a drain or sewer. You can also ask about features that may help keep your rate from going up after a claim, such as Claim RateGuard®.
More Ways We Can Help
Insurance for Your Home, Car, and Family
Many of our customers keep their home, car, and life insurance in one place with one local agent. Explore our other coverage options below.
Auto Insurance
Protection on the Road: Your Journey, Our Assurance.
