Finding the Best Homeowners Insurance in Missouri
Homeowners Insurance policy is at its best when it provides the required coverage while being simultaneously reliable and affordable. Before getting your Missouri Homeowners Insurance Quotes, you should be assured that your choice is the best Homeowners Insurance in Missouri. Most home insurance policies cover three primary areas, but they can also offer supplementary coverage related to the primary coverages. Dwelling coverages cover the cost of a rebuild; liability coverage protects you against liability claims, while personal property damage protects your belongings. Nonetheless, the price of your insurance will be determined by your location. Missouri is a disaster-prone state that experiences severe storms, tornadoes, ice storms, and flooding periodically, so you must carefully select a coverage that applies to you. In May 2019, there was a disastrous storm season with tornadoes tearing through the region and the Mississippi River rising with flooding threats. This led to extensive property damage, with 25 people injured. This likelihood of these disasters and the relative safety of your building’s location broadly become the main factors behind the cost of insurance in Missouri. Thus, it is also essential to know what kind of coverage can protect you from these disasters. This should be your main concern when deciding the best home policy for you and what we cover in this article.
| Missouri Homeowners Insurance Cost Broken Down | Rates |
|---|---|
| Yearly Cost of Homeowners Insurance in Missouri | $1,671.00 |
| Costs Per Month for Homeowners Insurance in Missouri | $139.25 |
How Much is Homeowners Insurance in Missouri
To decide which home policy is best for you, you may be wondering how much is Homeowners Insurance in Missouri. A lot of factors determine homeowners Insurance rates in Missouri. Prominent among them are your particular location in the state and what kind of coverage you want. In addition to the storms, tornadoes, which make Missouri a high-risk location, small earthquakes occur almost every day. These may contribute to the cost of your homeowner's insurance. Homeowners insurance in Missouri doesn't normally include disaster coverage, so you have to add it to your policy to protect your home. This is what makes the most likely to increase since there is a high risk that such disasters will occur. This probably explains why Missouri residents paid $1,285 more than the national average of $1,211 for insurance in 2017. But you can reduce costs by looking for discount opportunities. This usually involves bundling your insurance policies. You can also do this by comparing coverage limits alongside their prices between different insurance companies. The average cost of Homeowners Insurance in Missouri is currently $1,424 per year. Depending on which city you live in, this may vary either slightly or significantly. Ballwin is currently the city with the least expensive homeowners insurance, at an average rate of $1,494 per year. At an average rate of $1,876 per year, Neosho is the most expensive at the moment. Overall, your average monthly cost will be $119.
| City in Missouri | Monthly Costs | Yearly Costs |
|---|---|---|
| Arnold, MO | $127.08 | $1,525.00 |
| Ballwin, MO | $124.50 | $1,494.00 |
| Bellefontaine Neighbors, MO | $135.08 | $1,621.00 |
| Belton, MO | $151.25 | $1,815.00 |
| Blue Springs, MO | $143.42 | $1,721.00 |
| Bolivar, MO | $148.67 | $1,784.00 |
| Branson, MO | $152.17 | $1,826.00 |
| Bridgeton, MO | $130.92 | $1,571.00 |
| Cape Girardeau, MO | $139.00 | $1,668.00 |
| Carthage, MO | $155.25 | $1,863.00 |
| Chesterfield, MO | $126.50 | $1,518.00 |
| Clayton, MO | $132.50 | $1,590.00 |
| Columbia, MO | $135.25 | $1,623.00 |
| Crestwood, MO | $123.92 | $1,487.00 |
| Creve Coeur, MO | $127.33 | $1,528.00 |
| Dardenne Prairie, MO | $124.58 | $1,495.00 |
| Eureka, MO | $132.92 | $1,595.00 |
| Excelsior Springs, MO | $147.17 | $1,766.00 |
| Farmington, MO | $137.58 | $1,651.00 |
| Ferguson, MO | $137.92 | $1,655.00 |
| Festus, MO | $132.83 | $1,594.00 |
| Florissant, MO | $129.67 | $1,556.00 |
| Fulton, MO | $133.58 | $1,603.00 |
| Gladstone, MO | $142.58 | $1,711.00 |
| Grain Valley, MO | $145.33 | $1,744.00 |
| Grandview, MO | $151.75 | $1,821.00 |
| Hannibal, MO | $133.33 | $1,600.00 |
| Harrisonville, MO | $150.58 | $1,807.00 |
| Hazelwood, MO | $130.67 | $1,568.00 |
| Independence, MO | $147.00 | $1,764.00 |
| Jackson, MO | $147.00 | $1,764.00 |
| Jefferson City, MO | $135.25 | $1,623.00 |
| Jennings, MO | $139.75 | $1,677.00 |
| Joplin, MO | $156.08 | $1,873.00 |
| Kansas City, MO | $151.50 | $1,818.00 |
| Kennett, MO | $155.25 | $1,863.00 |
| Kirksville, MO | $135.42 | $1,625.00 |
| Kirkwood, MO | $125.83 | $1,510.00 |
| Lake St. Louis, MO | $126.75 | $1,521.00 |
| Lebanon, MO | $142.58 | $1,711.00 |
| Lee's Summit, MO | $146.33 | $1,756.00 |
| Liberty, MO | $145.08 | $1,741.00 |
| Manchester, MO | $126.00 | $1,512.00 |
| Marshall, MO | $138.92 | $1,667.00 |
| Maryland Heights, MO | $127.42 | $1,529.00 |
| Maryville, MO | $148.25 | $1,779.00 |
| Mexico, MO | $132.67 | $1,592.00 |
| Moberly, MO | $136.00 | $1,632.00 |
| Neosho, MO | $156.42 | $1,877.00 |
| Nixa, MO | $151.33 | $1,816.00 |
| O'Fallon, MO | $125.92 | $1,511.00 |
| Overland, MO | $131.25 | $1,575.00 |
| Ozark, MO | $152.08 | $1,825.00 |
| Poplar Bluff, MO | $145.92 | $1,751.00 |
| Raymore, MO | $148.33 | $1,780.00 |
| Raytown, MO | $149.33 | $1,792.00 |
| Republic, MO | $152.92 | $1,835.00 |
| Rolla, MO | $135.75 | $1,629.00 |
| Sedalia, MO | $139.50 | $1,674.00 |
| Sikeston, MO | $144.83 | $1,738.00 |
| Springfield, MO | $146.75 | $1,761.00 |
| St. Ann, MO | $132.67 | $1,592.00 |
| St. Charles, MO | $126.75 | $1,521.00 |
| St. Joseph, MO | $149.83 | $1,798.00 |
| St. Louis, MO | $134.33 | $1,612.00 |
| St. Peters, MO | $126.08 | $1,513.00 |
| Town and Country, MO | $127.25 | $1,527.00 |
| Troy, MO | $131.58 | $1,579.00 |
| Union, MO | $130.92 | $1,571.00 |
| University City, MO | $132.42 | $1,589.00 |
| Warrensburg, MO | $147.50 | $1,770.00 |
| Washington, MO | $129.25 | $1,551.00 |
| Webb City, MO | $154.42 | $1,853.00 |
| Webster Groves, MO | $126.00 | $1,512.00 |
| Wentzville, MO | $129.50 | $1,554.00 |
| West Plains, MO | $138.83 | $1,666.00 |
| Wildwood, MO | $127.25 | $1,527.00 |
Missouri Homeowners Insurance Laws
Missouri Homeowners Insurance requirements are not rigidly defined. There are also no Missouri Homeowners Insurance laws that place any kind of mandatory obligation on residents. Due to the damage caused by periodic tornadoes, storms, and earthquakes in Missouri, it is advisable and even encouraged to have homeowners insurance. But this is not required by law. Nevertheless, there are insurance laws in place to protect Homeowners interests. These laws are meant to protect homeowners from repair contractors who may try to exploit them. In 2011, two laws were specifically passed to this effect. The first, Senate Bill 101, makes it illegal for repair contractors to offer to pay the deductible of a homeowner’s insurance. This is due to the probability of exploitation in their attempt to make a sale. They are also prohibited from negotiating with an insurance company on behalf of any homeowner. Senate bill 132 guarantees the free movement of insurance companies. This allows them to set up mobile service centers for temporary operations in storm-damaged areas so that consumers can file claims. This law makes it illegal for a city or county leadership to restrict them from doing this for any reason.
What Does Homeowners Insurance Cover in Missouri
There are different kinds of risks that Homeowners insurance companies in Missouri try to protect residents from. Before you get your quotes, you need to know what Homeowners Insurance covers in Missouri. The homeowner's insurance covers things such as Personal property, Personal liability, and Dwelling coverage. Personal property coverage helps you protect your property from damages of different forms. Your insurer will help you fix or replace them when you file a claim, depending on the damage level. Personal liability coverage protects you from claims involving allegations of injury to the body or damage to property. It covers your legal expenses and pays for damages for which you are held liable. Dwelling coverage protects your home and its attached internal and external structures, such as staircases and the plumbing system. This can also take care of damages on property not directly attached to your house, including your garage. Medical payments coverage helps pay the medical expenses of anyone who gets hurt on your property. And Loss of Use coverage takes care of your rent when you cannot live in your property due to damage. Other living expenses related to housing will be taken care of as well.
| Costs of Home Insurance in Missouri by County | Monthly Average Costs | Yearly Average Costs |
|---|---|---|
| Adair County, MO | $113.83 | $1,366.00 |
| Andrew County, MO | $124.17 | $1,490.00 |
| Atchison County, MO | $121.75 | $1,461.00 |
| Audrain County, MO | $111.92 | $1,343.00 |
| Barry County, MO | $128.75 | $1,545.00 |
| Barton County, MO | $126.00 | $1,512.00 |
| Bates County, MO | $127.75 | $1,533.00 |
| Benton County, MO | $118.17 | $1,418.00 |
| Bollinger County, MO | $118.00 | $1,416.00 |
| Boone County, MO | $114.08 | $1,369.00 |
| Buchanan County, MO | $124.17 | $1,490.00 |
| Butler County, MO | $121.75 | $1,461.00 |
| Caldwell County, MO | $121.17 | $1,454.00 |
| Camden County, MO | $112.75 | $1,353.00 |
| Cape Girardeau County, MO | $119.08 | $1,429.00 |
| Carroll County, MO | $117.92 | $1,415.00 |
| Carter County, MO | $117.58 | $1,411.00 |
| Cass County, MO | $123.50 | $1,482.00 |
| Cedar County, MO | $125.42 | $1,505.00 |
| Chariton County, MO | $126.00 | $1,512.00 |
| Christian County, MO | $114.75 | $1,377.00 |
| Clark County, MO | $127.33 | $1,528.00 |
| Clay County, MO | $113.08 | $1,357.00 |
| Clinton County, MO | $118.92 | $1,427.00 |
| Cole County, MO | $124.33 | $1,492.00 |
| Cooper County, MO | $114.33 | $1,372.00 |
| Crawford County, MO | $113.83 | $1,366.00 |
| Dade County, MO | $116.25 | $1,395.00 |
| Dallas County, MO | $127.50 | $1,530.00 |
| Daviess County, MO | $126.17 | $1,514.00 |
| DeKalb County, MO | $118.92 | $1,427.00 |
| Dent County, MO | $121.83 | $1,462.00 |
| Douglas County, MO | $117.33 | $1,408.00 |
| Dunklin County, MO | $122.67 | $1,472.00 |
| Franklin County, MO | $123.42 | $1,481.00 |
| Gasconade County, MO | $111.33 | $1,336.00 |
| Gentry County, MO | $112.08 | $1,345.00 |
| Greene County, MO | $120.42 | $1,445.00 |
| Grundy County, MO | $122.17 | $1,466.00 |
| Harrison County, MO | $116.33 | $1,396.00 |
| Henry County, MO | $116.75 | $1,401.00 |
| Hickory County, MO | $120.92 | $1,451.00 |
| Holt County, MO | $126.08 | $1,513.00 |
| Howard County, MO | $122.83 | $1,474.00 |
| Howell County, MO | $113.33 | $1,360.00 |
| Iron County, MO | $119.25 | $1,431.00 |
| Jackson County, MO | $120.25 | $1,443.00 |
| Jasper County, MO | $124.08 | $1,489.00 |
| Jefferson County, MO | $128.33 | $1,540.00 |
| Johnson County, MO | $114.08 | $1,369.00 |
| Knox County, MO | $122.17 | $1,466.00 |
| Laclede County, MO | $112.67 | $1,352.00 |
| Lafayette County, MO | $122.33 | $1,468.00 |
| Lawrence County, MO | $120.75 | $1,449.00 |
| Lewis County, MO | $128.25 | $1,539.00 |
| Lincoln County, MO | $113.92 | $1,367.00 |
| Linn County, MO | $112.92 | $1,355.00 |
| Livingston County, MO | $114.17 | $1,370.00 |
| Macon County, MO | $115.83 | $1,390.00 |
| Madison County, MO | $114.33 | $1,372.00 |
| Maries County, MO | $121.50 | $1,458.00 |
| Marion County, MO | $115.58 | $1,387.00 |
| McDonald County, MO | $132.50 | $1,590.00 |
| Mercer County, MO | $115.50 | $1,386.00 |
| Miller County, MO | $116.08 | $1,393.00 |
| Mississippi County, MO | $119.00 | $1,428.00 |
| Moniteau County, MO | $113.67 | $1,364.00 |
| Monroe County, MO | $112.67 | $1,352.00 |
| Montgomery County, MO | $113.00 | $1,356.00 |
| Morgan County, MO | $117.08 | $1,405.00 |
| New Madrid County, MO | $122.58 | $1,471.00 |
| Newton County, MO | $129.83 | $1,558.00 |
| Nodaway County, MO | $119.83 | $1,438.00 |
| Oregon County, MO | $121.00 | $1,452.00 |
| Osage County, MO | $115.58 | $1,387.00 |
| Ozark County, MO | $121.67 | $1,460.00 |
| Pemiscot County, MO | $125.58 | $1,507.00 |
| Perry County, MO | $115.83 | $1,390.00 |
| Pettis County, MO | $117.17 | $1,406.00 |
| Phelps County, MO | $115.50 | $1,386.00 |
| Pike County, MO | $113.42 | $1,361.00 |
| Platte County, MO | $120.25 | $1,443.00 |
| Polk County, MO | $126.92 | $1,523.00 |
| Pulaski County, MO | $118.50 | $1,422.00 |
| Putnam County, MO | $114.92 | $1,379.00 |
| Ralls County, MO | $112.75 | $1,353.00 |
| Randolph County, MO | $114.08 | $1,369.00 |
| Ray County, MO | $121.92 | $1,463.00 |
| Reynolds County, MO | $124.33 | $1,492.00 |
| Ripley County, MO | $123.75 | $1,485.00 |
| Saline County, MO | $115.92 | $1,391.00 |
| Schuyler County, MO | $114.42 | $1,373.00 |
| Scotland County, MO | $114.33 | $1,372.00 |
| St. Louis County, MO | $110.75 | $1,329.00 |
| Ste. Genevieve County, MO | $116.75 | $1,401.00 |
| Stoddard County, MO | $119.67 | $1,436.00 |
| Stone County, MO | $130.00 | $1,560.00 |
| Sullivan County, MO | $115.92 | $1,391.00 |
| Taney County, MO | $126.58 | $1,519.00 |
| Texas County, MO | $121.75 | $1,461.00 |
| Vernon County, MO | $127.75 | $1,533.00 |
| Warren County, MO | $112.08 | $1,345.00 |
| Washington County, MO | $117.00 | $1,404.00 |
| Wayne County, MO | $120.33 | $1,444.00 |
| Webster County, MO | $126.17 | $1,514.00 |
| Worth County, MO | $120.42 | $1,445.00 |
| Wright County, MO | $123.83 | $1,486.00 |
Top Rated Homeowners Insurance Companies in Missouri Based on Ratings
Many companies are offering Homeowners Insurance in Missouri. This Missouri Homeowners Insurance companies list contains the top-rated Homeowners Insurance companies in Missouri. There are different things to consider when deciding the best Homeowners Insurance companies in Missouri for different people. Shelter is the best for most people. It has an average price of $1,179 and good customer service, with 70% fewer complaints than average. It also has a wider variety of coverages, including debris removal. A A A is the best for low rates at an average price of $1,129 per year. It also has an insurance bundle that saves up to 25% on home insurance. Travelers are the best national insurer in Missouri. It has an average statewide price of $1,600. Its financial abilities are deemed superior, and it has full online accessibility. It has an A + + financial strength rating from A.M., implying that it has an excellent ability to pay out claims at any time. USAA is best for military families. This is because it covers your belongings even when you are in a war zone, which most insurers do not do. And it does this at an average price of $1,457 per year.
| Missouri Home Insurance Company | JD Power Rating | NAIC Rating |
|---|---|---|
| State Farm Ratings for Homeowners Insurance in Missouri | 4/5 | 0.2 |
| American Family Ratings for Homeowners Insurance in Missouri | 3/5 | 0.69 |
| Liberty Mutual Ratings for Homeowners Insurance in Missouri | 2/5 | 0.53 |
| Farmers Insurance Ratings for Homeowners Insurance in Missouri | 3/5 | 0.39 |
| Shelter Ratings for Homeowners Insurance in Missouri | N/A | 0.36 |
| USAA Ratings for Homeowners Insurance in Missouri | 5/5 | 0.33 |
| Allstate Ratings for Homeowners Insurance in Missouri | 3/5 | 0.31 |
| Nationwide Ratings for Homeowners Insurance in Missouri | 2/5 | 0.4 |
| Automobile Club of Missouri Ratings for Homeowners Insurance in Missouri | 4/5 | 0.62 |
| Travelers Ratings for Homeowners Insurance in Missouri | 2/5 | 0.3 |
| Missouri Farm Bureau Insurance Ratings for Homeowners Insurance in Missouri | N/A | 0.23 |
| Progressive Ratings for Homeowners Insurance in Missouri | N/A | 0.8 |
| Auto-Owners Insurance Ratings for Homeowners Insurance in Missouri | 4/5 | 0.21 |
| Chubb Ratings for Homeowners Insurance in Missouri | 2/5 | 0.09 |
| The Hartford Ratings for Homeowners Insurance in Missouri | 3/5 | 0.78 |
| COUNTRY Financial Ratings for Homeowners Insurance in Missouri | 3/5 | 0.13 |
How to Lower Homeowners Insurance in Missouri
You probably have a budget for your homeowner's insurance policy. Therefore, you may want to cut costs as much as possible, to get the best at the lowest possible price. In that case, you want to know how to lower Homeowners Insurance in Missouri. Missouri Homeowners Insurance rates come at an average of $1,424 per year. But there are things you can do to get some Missouri Homeowners Insurance discounts. One example is constructing your house with bricks because it costs more to insure frame houses. Increasing your fire protection will also decrease the cost of the coverage for your fire insurance. You can also take further precautions to protect your home against damage. These may include making your roof shingles wind and hail resistant to decrease your disaster coverage cost. Smoke detectors, deadbolt locks and burglar alarms within a proper home security system will also help too. Buying your home policy from the same insurer you bought your auto policy provides you with a bundling or multi-policy discount. And a good credit record can also help by paying your credits on time and keeping your credits as low as possible.
Compare Homeowners Insurance in Missouri Before Buying
Shopping for Homeowners Insurance in Missouri requires you to consider quality, reliability, affordability, and suitability. Affordable Homeowner Insurance in Missouri means a home insurance policy that meets your particular needs at the lowest price you can find. And you can compare Homeowners Insurance in Missouri to determine which one is best for you. You're probably looking for the cheapest, so you are already in the best place if you're living in Ballwin. You'll only be paying $1,494 per year. But if you don't stay with Ballwin, there are still other options. A A A offers you the lowest rates at $1,129 per year, with a multi-policy discount of 25%. But also keep in mind that Shelter offers a rate of $1,179, which is just slightly different and has great customer service. On the other hand, Travelers has the best technology and finance and offers $1,600 per year.