Missori Homeowners Insurance

What You Need to Know About Missouri Homeowners Insurance

Find the right homeowners insurance policy for you.

Missouri is one of the most “neighborly” states in the union because, along with Tennessee, it borders eight other states. If you live in Missouri, you may be comparing homeowners insurance rates with your neighbors in other states and in your region, and you might be finding it tedious work.

Your Missouri home insurance quote will be based upon many different things that insurers consider before they offer you a price. Some common factors may be the value of your house, the cost to rebuild, and the location of your property. An independent Trusted Choice® member agent will be happy to explain your choices and find you the best coverage at the best price.

  • National yearly premium average: $1,132
  • Missouri yearly premium average: $1,199
  • 17th most expensive premium in the US

Comparing averages may be informative, but as mentioned earlier, your homeowners policy will be unique depending on your individual needs and risks.

What Should Missouri Homeowners Insurance Cover?

Standard policies usually provide a variety of different types of coverage in a package. To understand your own policy it may be helpful to consider these common insurance claims in Missouri and the rest of the nation:

Number of Catastrophes in Missouri vs. the Nation

  • National number of catastrophes: 19,033
  • Number of catastrophes in Missouri: 817
  • National number of tornadoes: 1,233
  • Number of tornadoes in Missouri: 48
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Missouri: $7,140,000

With a high number of tornadoes yearly, state residents may be more concerned about tornadoes than residents of other states in the country. 

A good policy should provide coverage for a variety of natural threats to your home such as floods. You may need an extra policy from the National Flood Insurance program or an extra endorsement on your standard policy in order to have flood damage covered.

Responsible Missouri home and property owners will probably also want to take additional steps to reduce their risk of common threats as much as possible. Simple actions like installing fire alarms may help keep your family safer, and they may even earn you an insurance discount.

Number of Thefts in Missouri:

  • National average for burglaries: 37,814
  • Missouri number of burglaries: 38,865

Burglary claims are also a little higher in Missouri than the national average. This figure also varies by the part of the state a house is located in. The risk may even vary by the ZIP code or neighborhood. A comprehensive policy will cover your home contents as well as the structure of your house.

How Can Missourians Compare Missouri Home Insurance Quotes?

Understanding insurance policies can take time. Comparing plans and quotes from several different companies can be tedious as well. Is there an easier way to make a good decision? A local, independent member agent in the Trusted Choice network will be happy to help you shop for the best coverage and the best price.

Home policies can be very complicated. Average Missouri home owners cannot all be expected to be insurance experts. A good agent can simplify the job of shopping for a new policy saving you time and money.

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