Homeowners Insurance in Missouri

Finding homeowners insurance shouldn't be stressful. Compare rates from Missouri by city and carrier below.

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How to find inexpensive homeowners insurance in Missouri


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners policy protects your dwelling and property from a number of calamities, including fire, theft, vandalism, or wind damage.

Unlike car insurance, homeowners policies aren’t priced based on state laws. Even so, there are major differences in home insurance rates from state to state. Insurance policy costs in a given state differ based on the number and cost homeowners claims filed in the state, and also on the value of the belongings and home insured on the policy.

The easiest way to get a cheap home insurance policy in Missouri is to view prices from multiple insurance companies. Learn home insurance rates in Missouri by reviewing the below data. Individual rates may vary depending on coverage options.


Home insurance in Missouri:
  1. Rates by company
  2. Rates by city
  3. Bundling home and auto insurance
  4. FAQs


Homeowners insurance rates in Missouri by carrier

Rates for homeowners insurance in Missouri can vary depending on which insurer you select. Safeco underwrites the most affordable home insurance policies in Missouri — just $1,405 yearly. This compares favorably to the state average cost of $2,377, offering a $972 discount on the state's average rate.

Begin your search for cheap homeowners insurance by checking out the cheapest Missouri carriers, detailed below.


HOME INSURANCE RATES IN MISSOURI: BY COMPANY
Insurance CompanyAverage 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


Missouri home insurance by city

Not all Missouri cities have the same homeowners insurance rates. Policy pricing depends on city-specific variables, such as the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.

The most affordable homeowners insurance in Missouri is found in Ballwin. A typical home insurance term in Ballwin totals just $2,012 per year — $365 less than the average policy in other Missouri cities. The below cities have the most affordable home insurance in Missouri.


AFFORDABLE HOME INSURANCE BY CITY IN MISSOURI
CityAverage Yearly Home Insurance Rate
Ballwin$2,012.31
Wildwood$2,029.00
Chesterfield$2,056.11
Jefferson City$2,059.49
Florissant$2,071.79


Home and auto insurance bundles in Missouri

If you're trying to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling homeowners and auto insurance in Missouri can lead to substantial savings on car insurance. Purchasing bundled policies in Missouri leads to yearly savings of $150.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN MISSOURI
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,372.00$1,222.00$150.0012%


A great way to save is to bundle your auto and homeowners insurance policies. Find a policy today!


Seeking information on homeowners insurance in a specific city? Check out our analysis of large Missouri cities:

  1. Kansas City
  2. St. Louis


Missouri home insurance FAQs


Does GEICO insure homes in Missouri?

Yes - if you own a home in Missouri, GEICO's homeowners insurance is an option for coverage.

Which insurance companies in Missouri offer seasonal home insurance?

There are several insurance companies that offer seasonal home insurance for your vacation home in Missouri, like Foremost and Farmers.





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