Popular QuestionsPopular Questions about Homeowners Insurance in Missouri

How much does Missouri home insurance cost? $1,285

On average, homeowners in America pay $1,211 per year for their home insurance coverage. However, in Missouri, the average annual premium is a bit higher at $1,285.

Even though home insurance costs in Missouri may seem like a lot of money, having this coverage is vitally important because hazards like severe weather, accidental fires, and property crimes in this state can cause expensive losses to homeowners who are not insured.

What can Missouri home insurance do for me?

Your home insurance gives you peace of mind knowing that your finances are protected if a disaster strikes in your neighborhood. Whether it's a fire, hailstorm, tornado, or a rash of burglaries, you're covered when you have a suitable Missouri homeowners insurance policy. 

Pays to repair or replace your home and your belongings

  • This is called "dwelling insurance" when it covers your home and “contents insurance” when it covers your property.
  • Example: A hailstorm causes significant damage to your roof and siding and they need to be replaced.

Pays for someone else's injuries or property damage when it's your fault

  • This is called “homeowners liability insurance.”
  • Example: Your child is playing baseball with his friends in the backyard and hits a ball through your neighbor’s picture window.

Pays for temporary living expenses when your home is damaged

  • This is called “loss of use insurance.”
  • Example:  Damage from a tornado makes your house unsafe to inhabit. You need to stay in a hotel while structure repairs are made.
Will I actually use my Missouri home insurance?

We can’t be 100% certain, but in 2016, insurance companies paid out more than $1.06 billion on home insurance claims in Missouri alone. That's a lot of unfortunate events happening to homeowners in the Show-Me State!.

How are Missouri home insurance rates calculated?

Insurance companies calculate home insurance costs based on the value of your property and by asking, "How likely is it that something bad will happen?" The more likely it is that a damaging event can happen to your house, the more expensive your home insurance policy will be.

These potential disasters are called "risks” or “exposures.” Let’s take a look at how risky Missouri is compared to the rest of the country.

Crime

The burglary rate in Missouri is higher than the national average. Be sure to protect your property by keeping doors and windows securely locked, keeping all entryways unobstructed and well-lit, and putting lights on timers when you are out of town. Frequently, installing a burglar alarm in your home can earn you discounts on your home insurance costs.

  • Average number of burglaries per 1,000 homes in MO: 4.45
  • Average number of burglaries per 1,000 homes in the US: 3.76

Weather

Severe weather, including hailstorms and tornadoes, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.

  • Number of federally declared disasters since 1953: 74
  • Most common cause of disasters in the state: Severe storms, floods, and ice accumulation
  • Average number of tornadoes per year in the state: 46.7
  • Amount paid in home insurance claims in 2016: $1,060,782,000

Home Values

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Missouri, the average home value is lower than the national average. This helps to keep insurance rates affordable despite this state’s many weather-related risks.

  • Average home value in MO: $156,700
  • Average home value in the US: $188,900
What is the best homeowners insurance company in Missouri?

No single insurance company is “best” for everyone. While one homeowner may get the best coverage and price from one company, their neighbor may find the best value with another provider.

That is why independent agents compare policies and rates from multiple highly rated insurance companies as they search for the policy that is best able to meet your coverage and budgetary needs.

Are there any independent insurance agents in Missouri?

Yes! There are currently 580 independent agents in Missouri who are ready to help. Contact an insurance agent near you to discover the many benefits of working with an experienced independent insurance professional.

InformationFind the Best Home Insurance in Your City

Coming Soon...

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes, and the overall cost of your home will also factor in to how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost : $1,211 / year
  • National average burglary rate per 1,000 homes: 4.45
  • National average home value: $188,900
CityAverage House ValueBurglary Rate per 1,000 HomesAvg. Cost of Home Insurance (Yearly)
Blue Springs$175,4412.68$1,387
Chesterfield$439,2981.18$2,789
Columbia$234,9974.44$1,478
Florissant$118,6643.16$980
Independence$177,3786.00$921
Jefferson City$183,7753.06$1,259
Joplin$114,0699.29$1,014
Kansas City$188,7537.54$1,281
Lee's Summit$248,7062.12$1,613
O'Fallon$229,4641.02$1,720
Springfield$194,49711.72$1,131
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

Kansas City, MO Home Insurance

The average monthly cost of home insurance in Kansas City 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. 

St. Louis, MO Home Insurance

The average monthly cost of home insurance in St. Louis 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. For example, it will likely 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.

Springfield, MO Home Insurance

The average monthly cost of home insurance in Springfield 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 St. Louis homeowners insurance can compensate you for your losses if you are the victim of a property crime like theft or vandalism. Your local independent agent can provide assistance throughout the claims process, if needed.

Columbia, MO Home Insurance

The average monthly cost of home insurance in Columbia 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. Your insurance agent can help you make sure that the coverage levels in your Columbia homeowners insurance policy are high enough.

Independence, MO Home Insurance

The average monthly cost of home insurance in Independence 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 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. Talk to a local independent agent for help supplementing your home insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).