Kansas City is a lot of different places at once: a downtown loft, a bungalow in Waldo, a split-level north of the river, a little shop in the Crossroads. Coverage that makes sense in one part of town doesn't always fit another, and that's where a local conversation helps.
Shield Squad Agency is based just east of KC in Independence. Troy Lentz works with Kansas City drivers, homeowners, renters, and business owners all over the city — and with the communities around it on both sides of the state line.
We're right down I-70 in Independence — close enough to know the city's neighborhoods, highways, and weather, and close enough that you're talking with a real person instead of a call center.
Kansas City stretches across Jackson, Clay, Platte, and Cass counties, so "local" covers a lot of ground. Whether you're in Midtown, Brookside, south KC, or the Northland, we're glad to help you sort through your options.
Troy Lentz
Licensed Insurance Advisor
Here's how we think about the coverage Kansas City residents ask us about most.
Between I-70, I-35, I-29, I-435, and I-49, plenty of Kansas Citians spend real time on the highway — on top of street parking, downtown garages, and game-day traffic. We'll help you pick liability limits and deductibles that fit how and where you actually drive, not just the state minimum.
A lot of KC houses have some age on them — bungalows, Tudors, and four-squares in established neighborhoods. Older roofs, wiring, and plumbing, plus what it would really cost to rebuild with today's materials, are all part of the conversation.
From downtown and Midtown apartments to rental houses all over town, Kansas City has plenty of renters. Your landlord's policy is there for the building; renters insurance is how you protect your own belongings and your liability.
Whether you're a young family in the Northland or empty-nesters in south KC, life insurance comes down to who's counting on you. We'll walk through term, whole life, and IUL in plain English.
From restaurants and storefronts to contractors and one-person consulting shops, Kansas City runs on small businesses. We'll start with how your business actually operates and talk through which coverages may make sense.
City traffic, highway merges, and weekend rides out of town all feel different on two wheels. We'll talk about liability, uninsured motorist coverage, and how your bike is parked and stored.
Kansas City boaters head everywhere from Smithville Lake and Longview Lake to the Lake of the Ozarks. We'll make sure your coverage fits where you take your boat and how you tow it there.
Plenty of KC families keep a camper or travel trailer for getaways. Motorhomes and towables are insured differently, so we'll make sure you know how yours is covered on the road and parked at home.
A trip to the dog park can turn into an emergency vet visit fast. Pet insurance through Farmers is provided by Pets Best, and we can help you understand how plans generally work before you choose one.
Ready to review your coverage? Talk with a local advisor in Kansas City.
A big city means a lot of different situations. These are the ones that come up most.
Yes. We're based in Independence, just east of Kansas City, and we work with Kansas City residents and businesses across the city — north of the river, Midtown, south KC, and everywhere in between.
Missouri's minimums are liability of $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, plus uninsured motorist coverage of $25,000 per person and $50,000 per accident. Those are minimums — with KC's highway traffic, it's worth asking whether higher limits make sense for you.
Auto insurance basicsYou can look up your address on FEMA's Flood Map Service Center. Flash flooding can happen outside mapped zones too, and most homeowners policies don't cover flood. Flood insurance is a separate policy that generally takes 30 days to start.
FEMA Flood Map Service CenterYour landlord's insurance is generally there for the building, not your belongings or your liability. Renters insurance fills that gap — and some leases require it.
Read: Renters Insurance in Kansas CityAuto policies typically cover you when you drive in other states, but details vary by policy. What matters most is where your car is registered and kept. If you're thinking about moving across State Line Road, give us a call first.
We can talk through general liability, property, commercial auto, workers' comp, and more, depending on what your business does. Coverage options and eligibility depend on the business and the insurance company. Call or text (816) 291-3898 to get started.
Business insurance basicsLearn more about the coverage Kansas City, MO households and businesses ask about, or see how we help customers across Missouri.
Insurance Across MissouriIf you rent in the metro, your landlord's insurance is for the building — not your laptop, furniture, or a guest who gets hurt in your apartment.
Hail does not wait for a convenient Saturday. Here is what I walk local homeowners through so a storm is a headache, not a financial surprise.
What to do at the scene, what to wait on, and when to call your agent — written for regular drivers, not claims adjusters.
Talk with Troy Lentz and the Shield Squad Agency team about your insurance needs.
Troy Lentz
Licensed Insurance Advisor
