Insurance Products
Explore Henson Agency’s full range of insurance products for individuals, families, landlords, and business owners. Our coverage options are organized by insurance type below, making it easy to find the protection that fits your property, vehicles, lifestyle, or business operations.
As a local agency serving clients across the Kansas City metro area, our Kansas City insurance team helps clients on both the Missouri and Kansas sides of the state line evaluate coverage options clearly and confidently.
If you are new to insurance or want to better understand what happens after a loss, our insurance claims guide for auto, home, and renters walks through the claim process step by step and explains what to expect before you ever need to file.
If your household includes a teen or first-time driver, use our Insurance Checklist for New Drivers to make sure your policy is updated correctly, your liability limits are appropriate, and you understand what changes to expect when adding a new driver.
One of the most common coverage gaps for homeowners is flooding. Standard homeowners insurance typically does not cover flood damage, which is why many property owners consider a separate flood insurance policy depending on risk and lender requirements.
Jump to: Personal Insurance | Vehicle & Recreation | Property & Specialty | Business Insurance
Personal Insurance
Everyday insurance coverage designed to protect your home, belongings, liability exposure, and long-term financial security.
- Home Insurance – Coverage for your home, personal property, and personal liability. If you want to understand what is not covered, review flood insurance vs homeowners insurance.
- Condo Insurance – Coverage tailored to condo unit owners and HO-6 policies.
Learn how HOA master policies work and where personal coverage begins in our detailed guide: How Condo Insurance Works (HO-6 Explained) - Renters Insurance – Affordable protection for tenants’ belongings and liability.
- Landlord Insurance – Coverage for rental property owners and leased homes.
- Umbrella Insurance – Additional liability protection beyond standard policies.
- Life Insurance – Financial protection for your family and future goals.
Vehicle & Recreation
Insurance solutions for vehicles and recreational assets used for commuting, travel, work, or leisure.
- Auto Insurance – Personal auto coverage for everyday driving.
- Motorcycle Insurance – Protection for motorcycles, riders, and liability risks.
- RV Insurance – Coverage for motorhomes, travel trailers, and campers.
- ATV Insurance – Insurance for ATVs and UTVs used on or off property.
- Boat Insurance – Coverage for boats, watercraft, and marine liability.
Adding a teen driver soon? Use our Insurance Checklist for New Drivers to avoid common coverage gaps and premium surprises.
Property & Specialty
Property-focused insurance for owners with multiple units, unique risks, or non-standard coverage needs.
- Flood Insurance – Separate coverage for flood related losses that are typically excluded by homeowners insurance.
- Multifamily Insurance – Coverage for duplexes, triplexes, and multi-unit properties.
- Specialty Property Insurance – Solutions for unique or higher-risk property scenarios.
Not sure how flood coverage differs from homeowners coverage? Read the comparison here.
Business Insurance
Commercial insurance products designed to protect business property, operations, vehicles, and professional liability.
Who We Serve
Prefer to browse insurance based on your situation? Explore coverage options by audience below.
Individuals & Families
Insurance solutions for homeowners, auto owners, renters, condo owners, and families.
Homeowners | Auto Owners | Renters | Condo Owners | Families | First-Time Homebuyers
Condo owners can also review our in-depth guide explaining HOA master policy gaps and HO-6 coverage: How Condo Insurance Works (HO-6 Explained)
New to insurance or concerned about what happens after a loss? Read our step-by-step insurance claims guide.
Families adding a teen driver can also use: Insurance Checklist for New Drivers.
Property Owners & Investors
Coverage for landlords, investors, and owners managing property risk and liability exposure.
Landlords | Real Estate Investors | Property Owners | Commercial Landlords
Flood risk is a common blind spot for property owners. Start here: Flood Insurance and Flood vs Homeowners.
Vehicle & Recreation Owners
Coverage for commuting, travel, and recreational vehicles across Missouri and Kansas.
Motorcycle Riders | RV Owners | ATV Owners | Boat Owners
Not sure what changes when you add a new driver? Use the new drivers checklist.
Business & Professional Clients
Commercial coverage for business owners and professionals who need liability and operational protection.
Business Owners | Professionals | Contractors | Professional Service Firms