Finding homeowners insurance shouldn't be stressful. Compare rates from Missouri by city and carrier below.
Get a QuoteHomeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A home insurance policy protects your dwelling, attached buildings, and personal property in the event of a variety of misfortunes, such as wind damage, fire, theft, vandalism, and more.
Major discrepancies exist in homeowners insurance rates on a state-by-state basis. Home insurance policy rates in a given state diverge depending on the frequency and value of homeowners policy claims filed across the state, and also on the value of the belongings and dwelling you're insuring.
The easiest way to find a cheap homeowners insurance policy in Missouri is to view prices from as many companies as possible. Learn more about homeowners insurance costs in Missouri by reviewing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.
Rates for homeowners insurance in Missouri vary based on the insurance company you use. Safeco offers the most affordable home insurance in Missouri — $1,405 per year. This compares favorably to the state mean cost of $2,377, providing a $972 discount on the typical rates in the state.
Begin the hunt for a home insurance policy by reviewing the cheapest Missouri carriers, listed below.
| Company | Average Annual Rate in Missouri |
| Safeco | $1,404.94 |
| AAA | $1,700.21 |
| State Farm | $1,846.91 |
| Amco | $1,960.31 |
| Shelter | $2,065.51 |
Homeowners insurance rates in Missouri differ by city. Pricing depends on local variables such as the likelihood of weather-related claims in the area, giving your ZIP code weight in deciding how much you pay.
The cheapest home insurance in Missouri is found in Ballwin. An average homeowners insurance policy in Ballwin costs just $2,012 annually — $365 less than the average Missouri rate. The below cities have the most affordable home insurance in Missouri.
Another company you should consider if Hippo. They advertise their smarter and personalized shopping experience can save you as much as 25% on your premium. Click below to get started.
Homeowners insurance rates in Missouri differ by city. Pricing depends on local variables such as the likelihood of weather-related claims in the area, giving your ZIP code weight in deciding how much you pay.
The cheapest home insurance in Missouri is found in Ballwin. An average homeowners insurance policy in Ballwin costs just $2,012 annually — $365 less than the average Missouri rate. The below cities have the most affordable home insurance in Missouri.
If you want to save on insurance, consider purchasing your homeowners and car insurance policies from the same company. Bundling homeowners and auto insurance in Missouri can save you a substantial sum each month on your auto insurance policy. Purchasing bundled policies in Missouri may generate average annual savings of $150.
| $1,222.00 | $150.00 | 12% |
Bundling home and auto policies is a great way to save. Start shopping today!
Tornadoes can strike with precious little warning. There isn't much that can be done to get ready and the results are often devastating. It's vital to protect your home and personal property against tornado damage in Missouri, which suffers an average of 47 tornadoes each year.*
Tornado damage comes primarily in the form of wind, so verify your current homeowners policy includes windstorm protection, which comes standard as a part of many homeowners policies.
Wind protection covers the exterior and overall structure of the building. Depending on your policy type, you may find that interior damage is only covered if it is a result of exterior damage, like a broken window. Detached structures are also covered, usually about 10% of the home’s insured amount. Keep in mind that other losses brought about by the storm may not be covered by insurance. For instance, if your home is damaged from flooding that occurs from the same storm that produces the tornado, it won’t be covered unless you have specifically purchased flood insurance.
*Source: NOAA'S National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)
