Missouri Renters Insurance

Learn more about renters insurance in Missouri.

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How to get affordable renters insurance in Missouri

Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy protects your items against fire or smoke damage, a wind event, theft, vandalism and a collection of other circumstances.

Unlike auto insurance, renters insurance isn't priced based on state-level legislation. Regardless, there are relatively substantial differences in renters insurance prices by state. Renters insurance prices in a given state vary based on the frequency of — and value of — renters policy claims across the state, and depend on the value of the belongings covered by the policy.

Missouri renters insurance is more expensive than the national average. The average annual cost of renters insurance in Missouri is $189, $5 more expensive than the US average.

The best way to find a cheap renters insurance policy in Missouri is to compare rates from as many insurance companies as you can. Learn more about average renters insurance rates in Missouri via the below data. Remember: your rates will vary, depending on your coverage limits and the valuation of your belongings.

 
Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions
 

Renters insurance prices in Missouri by company

Prices for renters insurance in Missouri will vary based on the insurance company you choose. Safeco provides the most affordable renters insurance in Missouri — just $130 per year. This compares favorably to the state average rate of $189, providing a 32% price cut on the typical rates in the state.

Begin your search for affordable coverage by reviewing the best Missouri companies, listed below.

 
AFFORDABLE RENTERS INSURANCE COMPANIES IN MISSOURI
CompanyAverage 12-Month Rate in Missouri
Safeco$130
Shelter$132
State Farm$138
Travelers$157
AAA$160
 

Missouri renters insurance costs by city

Renters insurance rates in Missouri differ by city. Rates are determined based on on local variables such as the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest renters insurance rates in Missouri are in Jefferson City. A typical renters insurance term in Jefferson City costs just $177 per year — $115 less than the state average. The below cities have the most affordable renters insurance in Missouri.

 
CHEAPEST CITIES FOR RENTERS INSURANCE IN MISSOURI
CityAverage Annual Renters Insurance Rate
Jefferson City$177
Columbia$178
Cape Girardeau$180
Springfield$184
Liberty$186
 
 

Are you looking for renters insurance info for a specific city? Take a look at our breakdown of the most populous metropolitan areas in Missouri.

  1. Kansas City
  2. St. Louis
 

Renters insurance in MO by coverage tier

The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Missouri, the difference in annual premium between these two tiers is approximately $64. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage LevelAverage Annual Renters Insurance Rate in Missouri
$25K Property$157
$50K Property$221
 

Tip: bundle auto and renters insurance in Missouri

If you want to save on insurance, consider carrying your renters and auto policies with the same insurance company. A renters and auto insurance bundle in Missouri can save you a substantial sum each month on auto insurance. Purchasing bundled policies in Missouri may generate average annual savings of $72.

 
CAR AND RENTERS BUNDLING DISCOUNTS IN MISSOURI
Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)Annual Savings ($)Annual Savings (%)
$1,410$1,338$725%

 

 

Missouri renters insurance FAQs

 

Is renters insurance required in Missouri?

In Missouri, there is no law that requires renters to have renters insurance, but keep in mind it's usually required by landlords before you can rent their property. It's an inexpensive way to protect your personal property if something happens to the rental.

What does Missouri renters insurance cover?

A renters policy can be more flexible depending on your individual needs. In general, a basic policy will get you liability insurance, coverage for the home's contents, loss of use, and medical payments to others.



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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.