St Louis, MO Homeowners Insurance

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How to find cheap home insurance in St. Louis

 

Among the most important aspects of owning a home is homeowners insurance. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, homeowners coverage is a solid investment.

The cost of home insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more information about the specifics of home insurance coverage.

Finding the cheapest home insurance in St. Louis starts with shopping around and comparing policies. Check out the below summary of average homeowners insurance premiums in St. Louis to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
St. Louis, Missouri, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling discounts
 

 

Homeowners insurance in St. Louis by company

Homeowners insurance rates in St. Louis vary from one insurance company to another. The most inexpensive home insurance in St. Louis comes from AAA, which offers average annual rates of just $1,654 per year. This is more favorable than the city’s average homeowners premium of $1,951.

Below you'll find a list of the cheapest home insurance companies in St. Louis, Missouri to help you start your search.

 
AFFORDABLE HOME INSURERS IN ST. LOUIS
CompanyAverage Annual Rate
AAA$1,654
Liberty$1,687
USAA$1,719
State Farm$1,740
Shelter$2,161
 

 

Average homeowners insurance costs in St. Louis by coverage levels

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay. In St. Louis, carrying $200K dwelling coverage costs an average of $1,447, while carrying additional coverage up to $400K costs $3,081/year.

 
HOMEOWNERS INSURANCE RATES IN ST. LOUIS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,163
$200K Dwelling$1,447
$250K Dwelling$2,119
$400K Dwelling$3,081

 

 

St. Louis home insurance prices by ZIP code

Depending on the part of St. Louis you live in, you might see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically affect your home insurance rates.

To find the most affordable homeowners insurance premiums in St. Louis, look no further than 63128. In the 63128 area, homeowners coverage usually costs just $2,065 per year — a full $-114 less than the St. Louis average. The below table shows the best places to live in St. Louis if you’re looking for affordable homeowners insurance.

 
AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN ST. LOUIS
ZIP CodeAverage Annual Home Insurance Rate
63128$2,065
63125$2,072
63123$2,074

Other parts of St. Louis, however, are prone to homeowners insurance rates that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $2,399, 63147 comes in as the priciest ZIP code in St. Louis for homeowners coverage.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN ST. LOUIS
ZIP CodeAverage Annual Home Insurance Rate
63147$2,399
63140$2,386
63120$2,383
 

 

Homeowners insurance deductibles in St. Louis

Among the many choices faced by homeowners when shopping for homeowners insurance is how high to set the deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. Where you choose to set your homeowners deductible is directly related to the overall cost of your coverage.

When picking a deductible, bear in mind that the higher your deductible is, the lower your premiums will be. Therefore, if you are aiming for lower home insurance rates, you’ll want to keep your deductible higher. It's worth remembering that a homeowners deductible should only be as high as you can reasonably pay in the case of an actual loss.

Have a look at the standard deductibles offered by insurers and an estimate of what you can expect your rates to be.

 
HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE TIER IN ST. LOUIS
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$2,310
$1,000$2,119
$1,500$2,011
$2,000$1,917
$5,000$1,624
 

 

Money-saving tip for home and auto insurance in St. Louis: bundling

If saving money is something you are worried about, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, St. Louis homeowners could see annual savings of 12% on average.

 
CHEAPEST CAR INSURANCE WITH A POLICY BUNDLE IN ST. LOUIS
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
American Family$889
GEICO$998
Progressive$1,178
Allstate$1,237
Farmers$1,253
 

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.