Homeowners Insurance in Chesterfield, MO

Experts detail the best home insurance companies near you, which coverages you need, and more in in Chesterfield, MO.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Luxurious home design with modern curb appeal. Homeowners Insurance in Chesterfield, Missouri.

Chesterfield, Missouri has 47,538 residents. If you own a property here, you'll need protection for all the what-ifs. Consider using a local agent to get custom quotes and the proper coverage.

A Chesterfield, Missouri independent insurance agent will be able to rate your home coverage through multiple carriers at once, saving you time. They'll do the shopping while you relax, making it super-easy. Consult with an agent to get started for free.

What Is Homeowners Insurance?

In Chesterfield, Missouri, homeowners' insurance protects your home and household members from financial losses. If you sustain a loss that results in property damage or a liability lawsuit, you will be on the hook for the total amount without proper coverage. A homeowners policy can help with these types of claims and more.

What Does Homeowners Insurance Cover in Chesterfield, Missouri?

Each Chesterfield, Missouri home policy will have individualized limits under primary coverage options. Below are the most common coverages under a homeowners policy:

  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.
  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Personal liability: Pays for claims for bodily injury, property damage, or slander against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 

Most homeowners do not know that flooding is not a covered loss under their home insurance. A separate flood insurance policy is necessary to have proper protection. Get flood insurance quotes through a local agent to avoid significant financial loss.

Common Disasters Homeowners Insurance Covers in Chesterfield, Missouri

There are specific claims that are covered under most primary homeowners insurance policies. In Chesterfield, Missouri, your home coverage will include protection for the following losses:

  • Severe storms
  • Fire
  • Wind
  • Hail
  • Lightning
  • Theft and vandalism

Chesterfield's Weather-Related Statistics:

  • The number of natural disasters in St. Louis County: 2
  • The percentage of tornado activity in the Chesterfield area: 70% greater than the US average
  • The percentage of earthquake activity in the Chesterfield area: 326% greater than the US average

How Much Does Homeowners Insurance Cost in Chesterfield, Missouri?

Your Chesterfield, Missouri homeowners insurance pricing will be different from other homeowners. Each property and individual are rated on their specific risk factors, making the premiums unique. Below are some items carriers use when quoting your home coverage:

  • Where you live
  • How many claims you've filed
  • How new your house is
  • The square footage of your home
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • Your credit score
  • If you have a pool, trampoline, or pet
  • The cost to replace your home

Cheap Homeowners Insurance near Me

The least expensive homeowners insurance in Chesterfield, Missouri can be found with the help of a local agent. For exact premiums, you'll need to get individualized quotes based on your information. In the meantime, it's good to know what the average premiums run.

  • National average annual premium: $1,211
  • Missouri average annual premium: $1,285

There are different ways you can cut costs on your homeowners insurance. You'll get lower premiums if you bundle your home and auto policies with the same carrier. Other savings methods include having a good credit score, no prior claims, and using safety features in your home. 

What Are the Best Homeowners Insurance Companies in Chesterfield, Missouri?

The proper protection for your Chesterfield, Missouri home can be found through a trusted company. Some of the top carriers in your area for homeowners coverage are as follows:

Best Homeowners Insurance Companies in Chesterfield, MO Star Rating
4.5/5 star rating
5 star rating
5 star rating
State Auto
4.5/5 star rating

These insurance companies are rated among the best because of their exceptional claims handling and superior customer service. You can obtain quotes through these carriers and others like them when you shop with a local agent.

How a Local Agent Can Help Find Homeowners Insurance In Chesterfield, Missouri

When you're looking for homeowners coverage, there are many options. This can make it confusing if you're not a licensed agent. Fortunately, you don't have to navigate it alone when you use a trusted expert.

A Chesterfield, Missouri independent insurance agent will quote your home insurance through dozens of top-rated carriers. They'll compare coverage and prices and then present you with the best option. Reach out to a local agent for custom quotes to get started for free.

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