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