St. Louis Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in St. Louis


Home insurance should be a critical consideration for every homeowner. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Events like this occur often. When paired with the high cost of repairing or rebuilding a house, purchasing an expansive homeowners policy can seem like a smart idea.

The price of a homeowners insurance policy depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more information about what is covered by a homeowners insurance policy.

Finding the cheapest home insurance in St. Louis starts with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance rates in St. Louis to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


St. Louis, Missouri, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in St. Louis by insurance company

Homeowners insurance rates in St. Louis vary from one insurance company to another. AAA offers the most affordable home insurance in St. Louis, at just $1,654 per year. This compares favorably to the city’s average homeowners premium of $1,951.

Take a look at the cheapest insurance companies in St. Louis, Missouri to find the best home policy for your needs.


CHEAP HOME INSURANCE COMPANIES 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 level

The amount of homeowners coverage you select has an impact on your insurance premiums. In St. Louis, carrying $200K dwelling coverage costs an average of $1,447, while carrying additional coverage up to $400K costs $2,466 per year.


HOMEOWNERS INSURANCE RATES IN ST. LOUIS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,447
$400K Dwelling$2,466

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St. Louis home insurance rates by ZIP code

Homeowners insurance premiums can vary depending on what area of St. Louis in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically affect your home insurance premium.

If you're looking for the cheapest homeowners insurance premiums in St. Louis, take at look at the 63128 ZIP code. In the 63128 area, homeowners policies typically cost just $2,065 per year — a full $-114 less than the overall average for St. Louis. Find the best places to live in St. Louis for cheap home insurance by looking at the following table.


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 home insurance premiums that are higher on average. Crime rates, fire risk, and even your proximity 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 costliest ZIP code in St. Louis for homeowners insurance.


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



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Looking for a money-saving tip for insurance in St. Louis? Try bundling

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, St. Louis homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN ST. LOUIS
CompanyAvg. Annual Auto Insurance Rate (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. To speak with an insurance expert, give us a call at 855-493-9728 today.


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