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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.
We can’t be 100% certain, but last year 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!.
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.
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.
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.
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.
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.
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.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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