Popular Questions about Homeowners Insurance in Missouri

The average Missouri homeowners insurance rate is $1,285 annually, coming in a bit higher than the national at $1,211 per year. Every person and home will have a unique insurance premium and quotes are necessary for exact figures. 

Your Missouri homeowners policy will come with standard coverages. Dwelling value, personal property, other structures, liability, medical payments, and additional living expenses are included. The limits you set will be tailored to your needs and provide coverage for fire, theft, vandalism, severe weather, and natural disasters. 

In Missouri, you are not mandated by law to carry homeowners coverage. However, if you have a lender, mortgage, or other interested financial party, you will be required to provide proof of insurance. With Missouri having 1,060,782,000 home claims reported in one year alone, the proper coverage could save you from financial ruin.

Each Missouri home insurance policy is calculated using various risk factors. Carriers look at your personal information coupled with local exposures to rate your policy. Things like crime, natural disasters, past claims reported, and property value are all determining factors. Missouri has a burglary rate of 4.45 per 1,000 people, which could give you a higher insurance premium.

The best carrier is relative to what's offered in your area. In Missouri, there are several home insurance companies that offer competitive rates and excellent coverage. Nationwide, Safeco, Progressive, and State Auto are a few that come highly recommended in Missouri for their homeowners protection.

Yes, Missouri currently has 580 independent insurance agencies to choose from for home coverage. Many have dozens of carrier options and can quote a variety of policies for all your insurance needs. 

Do You Know What Your Missouri Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

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 $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Blue Springs$175,4412.68$1,387
Jefferson City$183,7753.06$1,259
Kansas City$188,7537.54$1,281
Lee's Summit$248,7062.12$1,613
St. Charles$218,2121.89$1,397
St. Joseph$157,0819.37$973
St. Louis$184,1728.96$1,225
St. Peters$197,2491.18$1,422
  1. $107
  2. Kansas City, MO Monthly average home insurance cost
  3. The average monthly cost of home insurance in Kansas City is $107.
  4. 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.
  5. 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. 

  1. $102
  2. St. Louis, MO Monthly average home insurance cost
  3. The average monthly cost of home insurance in St. Louis is $102.
  4. 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.
  5. 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.

  1. $94
  2. Springfield, MO Monthly average home insurance cost
  3. The average monthly cost of home insurance in Springfield is $94.
  4. 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. 
  5. 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 St. Louis homeowners insurance can compensate you for your losses if you are the victim of a property crime like theft or vandalism. 

  1. $123
  2. Columbia, MO Monthly average home insurance cost
  3. The average monthly cost of home insurance in Columbia is $123.
  4. 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.
  5. 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.

  1. $77
  2. Independence, MO Monthly average home insurance cost
  3. The average monthly cost of home insurance in Independence is $77.
  4. 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.
  5. Many homeowners in Independence have a significant risk of sustaining flood damage. This risk isn’t limited to those who are 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.