Mexico Homeowners Insurance

Your Complete Guide to Mexico, MO, Homeowners Insurance

How to find a trusted adviser

Mexico Missouri Homeowners Insurance

Coverage for your home is necessary no matter where you live. In Mexico, MO, there are roughly 11,517 residents. The right homeowners insurance can mean the difference in a claim getting paid or financial ruin.

An independent insurance agent can help with coverage and premium options. They have a network of several carriers so that you get the best pricing in town. Connect with a local expert in minutes. 

What Does Homeowners Insurance Cover In Mexico, MO?

In Mexico, MO, homeowners protection is essential to avoiding a large loss. There are automatic coverages that are in every policy. The majority of homeowners policies have the following coverages.

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

Perils your homeowners policy will cover

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

Catastrophe/Common Disasters In the Area

A natural disaster can happen at a moment's notice. In 2020, Missouri had approximately 1,060,782,000 home insurance claims. You'll want to be prepared for the worst. Take a peek at the top exposures in Mexico, MO.

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

Mexico's weather-related statistics

The number of natural disasters in Mexico: 16

Major presidentially declared disasters in Mexico: 9

Emergencies declared in Mexico: 6

Let's look at the top three causes in Mexico

Floods: 7 declared as a disaster

Storms: 7 declared as a disaster

Winter storms: 5 declared as a disaster

How flood insurance can help in Mexico, MO

Did you know that your homeowners insurance excludes coverage for flooding? If your property has a flood loss, you'll be on the hook for the damage without the proper policy. You can obtain flood insurance through a local agent.


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How Much Does Homeowners Insurance Cost In Mexico, MO?

The cost of your home insurance will be unique to you. Carriers look at personal data and outside risk factors when setting your price. Take a look at the items insurance companies use to determine your premiums.

  • Where you live
  • How many claims you've filed
  • How new your house is
  • 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 square footage of your home
  • How much it costs to replace your home

The average home insurance premium

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

Risk factors you can improve

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

Another way to cut costs is by bundling. When you bundle home and auto insurance policies with the same carrier, you'll save on premiums. Insurance companies give a discount of 30% or more in most cases.


To protect your greatest asset, you'll need to start with the best coverage. Your home's liability insurance can be found through two policy types. Take a peek at the most common ways to obtain liability protection.

Personal liability insurance will cover a lawsuit arising out of property damage, bodily injury, libel or slander. When you have a more substantial claim, umbrella insurance may be necessary. Umbrella coverage applies when your underlying home policy has been exhausted.

Property Crimes

In Mexico, MO, crimes occur every day. Just like any city in America, burglary is a possibility. Take a look at the burglaries per 100,000 households below.

  • National average: 376.0
  • Missouri average: 444.9
  • Mexico average: 477.1

Your home insurance costs will factor in local crime rates. The more unsafe your city is, the worse your premiums are. Fortunately, most homeowners policies will cover theft and vandalism.

How a Local Agent Can Help Find Insurance

Home insurance can help you pay less out of pocket for a loss. Your Mexico, MO, home needs the best protection to cover all the what-ifs. When you're unsure how much coverage is necessary, consider using a trained professional.

An independent insurance agent can help with policy and premium options. They work with the best carriers in town and can quote your coverage at no cost to you. Connect with a local expert on to get started.

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