Find the Best Homeowners Insurance Rates and Companies in Missouri
The median home value in Missouri is $226.600. If you own a home in Missouri, chances are your home is your most important asset. You’ll want to protect it from threats like fire, theft, vandalism, and severe weather. What’s more, you’ll want to protect your assets from the costs of lawsuits if you are sued for something that happens on your property. You can do this with Missouri homeowners insurance.
An independent insurance agent can help you find the best home insurance in Missouri. Independent agents can help you get quotes from multiple insurance companies so that you can make the best choice for your needs and budget.
Best Homeowners Insurance Companies in Missouri
There are several insurance companies in Missouri that offer highly rated homeowners insurance. The following are some of the best homeowners insurance companies in Missouri. These companies provide a mix of valuable coverage offerings and competitive pricing.
- Nationwide: Nationwide provides homeowners insurance and other popular types of insurance coverage in Missouri. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states, including Missouri.
- Travelers: Travelers offers highly rated homeowners insurance in Missouri. It can meet your additional personal insurance needs with a full line of products including auto, boat, identity theft, umbrella, and other coverages.
- Progressive: Progressive is based in Ohio, but offers homeowners insurance across all 50 states, including Missouri. Missouri residents can look to Progressive for most of their personal insurance needs.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers homeowners insurance in Missouri, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
- Stillwater Insurance Group: Stillwater is a national personal and commercial lines carrier with rock-solid financial stability. The company can help you with your homeowners insurance needs in Missouri.
An independent insurance agent in your area can help you learn more about these and other homeowners insurance companies in Missouri. A local agent can help you get competitive quotes for the coverage that fits your insurance needs.
What Homeowners Insurance in Missouri Can Cover
Having homeowners insurance in Missouri protects you from the worst things that can happen to your home.
In Missouri, you face potential threats to your property all the time, including natural disasters like severe storms and tornadoes. You face numerous other property risks in Missouri as well. Here are the top 5:
- Severe storms and lightning
- Burglary and other property crimes
- Hurricanes and tropical storms
- Tornados
- Flooding and water damage
These and many other day-to-day events can damage your home or personal property. What’s more, if you own a dog or have a swimming pool, you face an increased risk of lawsuits. But with homeowners insurance in Missouri, you’ll be prepared to tackle a lawsuit without losing everything.
Homeowners insurance in Missouri covers a wide range of perils that could potentially damage your home, your belongings, or certain other structures on your property. Technically, if you don’t have a mortgage you can go without homeowners insurance in Missouri. But that is not a great idea. If something happens to your home, like a fire, a tornado, a burst pipe, or a burglary, you’d have to pay for repairs and for replacing lost or damaged belongings on your own.
A homeowners insurance policy typically categorizes coverage and coverage limits as follows. If you don’t have homeowners insurance, you put all of this at risk:
- Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, and permanently installed air-conditioning systems, and electrical wiring.
- Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on.
- Personal property coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you.
- Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses.
- Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else.
You can also customize your policy to cover other risks. You can add coverage for identity theft, sewer and water backup, scheduled personal property, business property, and more.
A local independent insurance agent can help you find homeowners insurance in Missouri.
What Homeowners Insurance in Missouri Will Not Cover
Homeowners insurance in Missouri excludes coverage for certain losses. It does not cover everything that can go wrong with your home or on your property.
First, the liability coverage in your homeowners insurance policy has certain limitations. If you hurt someone because of an intentional act, your liability coverage will not cover you. You can find all the exclusions to your liability coverage in your policy documents.
Moreover, your property coverage will not cover every type of property damage you might encounter. Almost all homeowners insurance policies in Missouri exclude coverage for property damage caused by the following:
- Ordinance or law (e.g., demolition or construction required to bring your house up to code)
- Earth movement (e.g., earthquakes, sinkholes, landslides)
- Water damage due to floods, sewer backups, and water that seeps through the foundation
- Power failure
- Neglect
- War
- Nuclear hazard
- Intentional acts
- Governmental action (e.g., destruction, confiscation, or seizure of covered property by any governmental or public authority)
- Loss to property resulting from faulty zoning, bad repair or workmanship, faulty construction materials, and defective maintenance
To avoid any surprises down the road, be sure to understand what your home insurance in Missouri does and does not cover when you decide to purchase a policy.
Flood Damage in Missouri
Flooding can be a significant concern for many homeowners, but Missouri homeowners insurance does not cover flood damage.
Flooding can be a problem in some areas of Missouri. In fact, it is one of the top five risks for homeowners in the state. Some areas of the state will have a higher likelihood of flooding than others.
It’s important to discuss your need for supplemental flood insurance with your independent insurance agent.
If necessary, your agent can help you purchase flood insurance from the National Flood Insurance Program (NFIP), a program established by the federal government to help homeowners recover after a flood event.
Average Cost of Homeowners Insurance in Missouri
The average cost of homeowners insurance in Missouri is slightly higher than the national average.
- National average yearly premium: $1,211
- Missouri average yearly premium: $1,285
Of course, your home insurance cost will be more or less than the average for homeowners in Missouri. And you can still shop around for the best local rates.
It’s important to know that your insurance premiums are calculated according to your exact coverage needs and your home's unique characteristics and risk factors. The age, size, value, and materials used to build your home help insurance companies determine how much it would cost to replace it if it were severely damaged or destroyed.
Insurance companies also evaluate your city's crime rate and weather risks, history of natural disasters, and your prior claims history to determine your home insurance premium.
A local independent insurance agent can help you get home insurance quotes in Missouri.
How does your city measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Avg. home value | Burglaries / 1,000 homes | Annual insurance cost |
| Blue Springs | $175,441 | 2.68 | $1,387 |
| Chesterfield | $439,298 | 1.18 | $2,789 |
| Columbia | $234,997 | 4.44 | $1,478 |
| Florissant | $118,664 | 3.16 | $980 |
| Independence | $177,378 | 6.00 | $921 |
| Jefferson City | $183,775 | 3.06 | $1,259 |
| Joplin | $114,069 | 9.29 | $1,014 |
| Kansas City | $188,753 | 7.54 | $1,281 |
| Lee's Summit | $248,706 | 2.12 | $1,613 |
| O'Fallon | $229,464 | 1.02 | $1,720 |
| Springfield | $194,497 | 11.72 | $1,131 |
| St. Charles | $218,212 | 1.89 | $1,397 |
| St. Joseph | $157,081 | 9.37 | $973 |
| St. Louis | $184,172 | 8.96 | $1,225 |
| St. Peters | $197,249 | 1.18 | $1,422 |
Popular Questions about Missouri Home Insurance
The national average homeowners insurance premium is $101 per month. With an average monthly premium of $107, homeowners insurance rates in Missouri are slightly higher than those in most other states. Most homeowners will pay more or less than average, depending on the specific risk factors for their home and neighborhood.
The main purpose of homeowners insurance is to cover property damage. Home insurance policies in Missouri will include dwelling coverage, other structures coverage, personal property coverage, and loss of use/additional living expenses coverage.
Homeowners insurance in Missouri also includes homeowners liability coverage. It protects you when someone claims you have caused an injury or property damage. It covers the injured party's expenses (e.g., medical bills, property repairs) and your legal fees if you're sued. After a lawsuit, it can even cover financial settlements or court-ordered judgments.
Missouri does not require you to purchase homeowners insurance. But your mortgage lender will require you to have homeowners insurance and will require proof that you have it. With over $1 billion home insurance claims paid in Missouri in one year alone, proper home insurance protection is necessary to avoid major losses.
Insurance companies calculate home insurance rates in Missouri by looking at your home, the risk factors for your neighborhood, and your specific coverage needs.
If, for example, you live in a ZIP Code with a high crime rate or that is highly susceptible to natural disasters, you can expect to pay more than someone living in a safer area. If your home or neighborhood has a prior history of severe storms (there are around 33 per year in Missouri) or tornadoes (45 per year in Missouri), you’d likely pay more than someone who lives in an area where these events happen less frequently or not at all.
There are several insurance companies in Missouri that can provide homeowners insurance. You can choose from companies that offer a highly rated mix of valuable coverage offerings and competitive pricing.
Some of the best homeowners insurance companies Missouri are Nationwide, Travelers, Progressive, Safeco, and Stillwater Insurance Group.
Yes. Missouri currently has 580 independent insurance agencies who can help you find appropriate home insurance coverage. They can offer quotes from multiple insurance companies, free of charge.
Searching for the best and most affordable homeowners insurance in Missouri can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.
Instead of getting an online quote, find an independent insurance agent in Missouri now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
Contact an agent today for a free, no-obligation consultation.
Do You Know What Your Home Insurance Covers in Missouri?
Average Cost of Home Insurance Near You
The average monthly cost of home insurance in Columbia, MO, is $123.
Your house is probably not the same as your neighbor’s. While everyone in your neighborhood has the same crime and weather risks influencing their rates, your homeowners insurance premium is also based on factors like the size, age, and value of your home, the type of roof you have, and when it was last replaced, your claims history, and potentially even your credit score. Your monthly rate for Columbia homeowners insurance may therefore be higher or lower than this average.
Residential fires pose one of the most devastating risks to homeowners. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings, including irreplaceable items like family heirlooms and original art. That is why it is important for your structural coverage to be high enough to enable you to rebuild your home and that you have sufficient contents coverage to let you replace your lost or damaged property without enduring a large financial loss.
The average monthly cost of home insurance in Independence, MO, is $77.
Not all Independence homeowners will pay the same for home insurance. Your monthly rate is based on several considerations such as the crime rate in your ZIP Code, the size of your home, the building materials used in your home’s construction, your claims history, the amount of your deductible, and more.
Many homeowners in Independence have a significant risk of sustaining flood damage. This risk isn’t limited to those who have situated near the banks of the Missouri and Little Blue rivers. When heavy rains fall, the ground can become saturated and drainage systems can become overwhelmed, leading to flash flooding throughout the city. However, homeowners insurance does not cover flood damage.
The average monthly cost of home insurance in Kansas City, MO, is $107.
Home insurance rates can vary from one homeowner to the next, especially in a large city like Kansas City. Your rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, and sometimes even your credit score.
Some of the most expensive hazards faced by homeowners in Kansas City are severe weather events like tornadoes. The rate of tornado activity in the Kansas City area is 100% greater than the national rate. A tornado can seriously damage or destroy your house if it is in its path. Fortunately, your homeowners insurance can help you repair or replace your home and belongings, and can even help you pay for a hotel if you are temporarily displaced while your home is being repaired.
The average monthly cost of home insurance in Springfield, MO, is $94.
Of course, what you may actually be expected to pay may differ significantly from this average price. This is because costs are based on the value of your property and the specific risks associated with it. Some of the factors that can influence your premium amount include the age and size of your house, the crime rate and weather risks in your ZIP Code, the materials used in your home’s construction, and your claims history.
With approximately 2,000 burglaries reported every year, Springfield has one of the highest property crime rates in the state. It is therefore important that you take precautions like using deadbolt locks and home security systems to help protect your home. Fortunately, your Springfield homeowners insurance can compensate you for your losses if you are the victim of a property crime like theft or vandalism.
The average monthly cost of home insurance in St. Louis, MO, is $102.
Your homeowners insurance is completely customized to the value of your home and property and other considerations like weather risks and crime rates in your neighborhood. You can therefore expect your monthly premium to be higher or lower than this average. It will probably cost more to insure homes in the Compton Heights neighborhood, where houses are large and highly valued.
Hailstorms can be a problem in St. Louis. Large hailstones can fall on your property without warning, causing expensive damage to your roof, siding, windows, and peripheral structures. If hail causes damage to your home, how will you pay for repairs? With St. Louis homeowners insurance, you can have peace of mind knowing that your hail-damaged home can be returned to normal without causing you a large personal expense.