Homeowners Insurance in Jefferson City, MO

Our experts detail where you can find the quality coverage you need at the rate you deserve, and more in Jefferson City, MO.

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

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.

Beautiful suburban home exterior on bright sunny day with green grass and blue sky. Jefferson City, Missouri Homeowners Insurance.

The rate of home burglaries in Missouri (4.45 out of every 1,000 residents) is much higher than the current national average of 3.76 per every 1,000 residents. Fortunately, you don't have to be a victim if you have the right type of coverage on hand. That's what makes having homeowners insurance critical.

An independent insurance agent in Jefferson City can help you get the protection you deserve in a home insurance policy. They'll even get you covered long before disaster ever strikes. But first, here's a closer look at homeowners insurance in Jefferson City, MO.

What Is Homeowners Insurance?

Homeowners insurance is coverage designed to protect your home, personal property, liability, and potential additional living expenses. Home insurance can reimburse for disasters like fire, vandalism, falling objects, lighting, and more that damage or destroy your home's structure or contents. It can also reimburse you for extra costs if you can't stay in your home for a while due to a disaster or lawsuit costs if you get sued.

What Does Homeowners Insurance Cover in Jefferson City, MO?

Your independent insurance agent will help you assemble a home insurance policy with the exact types of coverage you need, but these are the core coverages in standard policies:

  • Dwelling coverage: Covers repairs for damage or destruction of your home's structure after a covered disaster like a fire or explosion.
  • Contents coverage: Covers the repair or replacement of personal property like clothing, electronics, silverware, furniture, etc., after a covered disaster like a fire, etc.
  • Liability coverage: Covers legal expenses if a guest, worker, or third party sues you for personal property damage or bodily injury.
  • Additional living expenses: Covers extra costs if you and your family must stay at a hotel or temporary residence when your home is being repaired after a major-covered disaster like an explosion. 

Your independent insurance agent in Jefferson City, MO, won't let you walk away without the coverages you need most in your home insurance policy.

What's Not Covered by Homeowners Insurance in Jefferson City, MO?

Home insurance across the country includes exclusions or perils that aren't covered. These typically include:

  • Costs of general home maintenance
  • General wear and tear to the home and property
  • Malicious/intentional acts against others
  • Insect or pest infestation and damage
  • Earthquake and flood damage

You'd need to add separate flood or earthquake insurance to your home insurance policy if you want protection against these natural disasters. Your independent insurance agent in Jefferson City can help you find it. 


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How Much Does Homeowners Insurance Cost in Jefferson City, MO?

Annual rates for homeowners insurance in the state of Missouri are higher than the current national average of $1,211. Residents in Missouri pay about $1,285 per year for their home insurance, placing the state at number 16 in terms of the highest coverage rates in the US. Regardless, an independent insurance agent in Jefferson City can help you easily find affordable home insurance near you. 

The Most Common Home Disasters in Jefferson City, MO

Every city has its own set of property disasters that it's most commonly prone to. It's helpful to review this list and check your home insurance accordingly to ensure that you're prepared by getting the coverage you need.

The most common home disasters reported in Jefferson City, MO are:

  1. Severe storms and lightning damage
  2. Burglary and other property crimes
  3. Hurricanes and tropical storms
  4. Tornadoes
  5. Flooding and water damage

Since a few of these disasters can bring natural flood damage with them, make sure to talk to your independent insurance agent about adding flood insurance coverage ASAP. However, your home insurance policy can protect against lightning damage, burglary and other property crimes, tornadoes, and certain types of water damage.

Cheap Homeowners Insurance Near Me

Don't cheap out when it comes to your homeowners insurance. If you want to pay less out of pocket per claim, you'll want a policy with a lower deductible amount, which can often come with a higher premium cost. Further,  higher coverage limits also often accompany higher premium rates.

Paying a bit more for your homeowners insurance can also help you get matched to a company that's reliable and delivers on its coverage promises. Price and reliability aren't always correlated, but it's still helpful to consider the possibility because sometimes they are. An independent insurance agent in Jefferson City, MO can help you find a reliable home insurance carrier either way.

What Are the Best Homeowners Insurance Companies in Jefferson City, MO?

Here are just a few of our top recommendations for quality homeowners insurance companies in Jefferson City, MO.

Top Homeowners Insurance Companies in Jefferson City, MO Star Rating
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Why Work with an Independent Insurance Agent in Jefferson City, MO?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Missouri to find you the right coverage at a great price.

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