Best Home Insurance in Missouri (2023)

Compare personalized Home insurance rates in Missouri

Home Insurance in Missouri

Most people don’t like thinking about buying homeowners insurance in Missouri, yet making this purchase is essential to protecting your home. The good news is that with cheap homeowners insurance available and few Missouri homeowners requirements, it may not be as hard as you think to get the coverage you need. Here’s the support you need to get the right policy at the best price.

Home Insurance Companies in Missouri

The top rated homeowners insurance companies in Missouri can provide you with the coverage you need. Yet, it is up to you to compare your homeowners insurance agencies in Missouri to gain the best possible policy for your home. The best home insurance companies in Missouri combine quality coverage, moderate deductibles, and affordable premiums. To find the lowest rates, work with independent home insurance agents in Missouri to locate just what you need.

How to Get the Best Rates for Home Insurance in Missouri

When it comes time to find the best rates available, your goal should be to compare several companies to find coverage that fits your goals. To do this, enter your zip code on this page. Then, navigate the options to get quotes.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Missouri?

Finding the cheapest home insurance in Missouri should be your goal, but it’s not always easy to do. The average annual premium in Missouri is $1,253, which is significantly higher than the national average of $1,173. That means it is even more important to get home insurance quotes in Missouri from multiple providers to find the best policy for your needs.


<twitter>The average annual premium in Missouri is $1,253, which is significantly higher than the national average of $1,173.</twitter>


List of Homeowners Insurance Companies in Missouri

To find the best rates, it’s essential for you to have a list of available companies. You can do that easily right here. Simply input your zip code below to access a list of homeowners insurance companies available to Missouri residents.

How Homeowners Insurance Is Calculated in Missouri

To calculate homeowners insurance costs in the state, insurance companies use a variety of details. They gather data from previous claims to determine how much risk a specific property represents. One way to do this is by using risk factors such as the following.


<qa>1;Crime;Crime is a key factor. If you live in an area where crime rates are high, chances are good your costs will be higher. Missouri has a higher-than-normal crime rate. The rate of violent crimes is 5.30 per 1,000 residents. That’s higher than the national average of 4. Also, the rate of property crimes is 28.34, which is significantly higher than the national average of 24. This is one reason insurance rates here are higher.</qa>

<qa>2;Weather/Climate;All states have some climate-related risks. Some key concerns exist in Missouri. This includes inland flooding, extreme heat, and fire risks. There is also the risk of storm damage from high-impact wind, rain, and snow. This increases costs as well.</qa>

<qa>3;Home Values;Home values are an important factor. Most of Missouri is affordable, though. The median home value here is $161,400, which is an 8.5 percent increase over the previous year. This figure stems from data accurate as of March of 2019.</qa>

Home Insurance Requirements in Missouri

Do you have questions about home insurance requirements in the state? If so, you can always ask your agent. Here are a few of the most common questions with answers.

Is Homeowners Insurance Required in Missouri?

Missouri mortgage underwriters and lenders require all homeowners to maintain home insurance. City and state laws do not. If you have a loan, you may need to maintain comprehensive insurance coverage for it.

What Does Home Insurance Cover?

All home insurance policies in Missouri will provide two key components. The first is property insurance, which protects the structure of your home (along with other listed property such as sheds, garages, and outbuildings) along with your personal property. It also covers liability risks, which includes instances such as dog bites.

Homeowners Insurance for New Properties in Missouri

Some areas of Missouri are seeing home construction. In these areas, nearly all homes have loans on them, requiring comprehensive coverage.

Homeowners Insurance for Old Properties in Missouri

Many areas have older homes here. Yet, even without a mortgage, these properties benefit from having comprehensive insurance to minimize against risks such as electrical fires and flooding.

Renters Insurance in Missouri

The state of Missouri doesn’t require property owners or renters to maintain home insurance. However, some cities may require renters to have insurance in place on their property. It’s important to check state law here.


Renter’s insurance is always a benefit. Even when requirements don’t exist, it can help you cover your personal property and liability risks as these are never covered by the property owner’s insurance.


<zipcode>Compare Renters Insurance in Missouri</zipcode>


Compare Home Insurance in Missouri by City

To get the cheapest home insurance in Missouri, you need to compare quotes based on your city. Compare home insurance quotes based on the size, value, and features of your home. Here are some of the specs for the largest cities in the area.


<qa>1;Home Insurance Quotes in Kansas City, Missouri;Kansas City is the largest city in the state and an urban setting. Over 488,943 people live in this area. The median home value here is $149,300.</qa>

<qa>2;Home Insurance Quotes in St. Louis, Missouri;One of the most popular areas, St. Louis is also a large, urban community. It’s home to 308,626 people and many others in the metro area. The median home value here is very affordable at $119,600.</qa>

<qa>3;Home Insurance Quotes in Springfield, Missouri;Springfield is home to 167,376 people. A growing city, the median home value in Springfield is $137,600.</qa>

<qa>4;Home Insurance Quotes in Columbia, Missouri;In Columbia, about 121,717 people call the area home. Perhaps one of the fastest, up and coming communities, the median home value in Columbia is $181,100.</qa>

<qa>5;Home Insurance Quotes in Independence, Missouri;Independence, one of the fastest growing communities here, is home to 117,306 people. The median home value here is $122,600.</qa>


Bonus: Most Expensive Homes in Missouri

You always want to save money on home insurance. Yet, consider just how much some people pay in the most expensive homes in the city.


  • The Dream Land Ranch, which sits on more than 1,800 acres, is valued at $15.2 million.
  • The spacious, luxury home at 42 Huntleigh Woods Drive in Huntleigh is valued at $7.695 million.
  • Or, the home with a music room and library at 9847 Litzsinger Road in Ladue, is valued at $6.35 million.