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Best homeowners insurance in Missouri of 2022

Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022

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What To Know First

Collapse Caret Up There are homes for sale this year in Missouri compared to 2020 as a result of a national trend of lower inventory of homes on the real estate market since the pandemic began. If you are fortunate enough to get your offer accepted on the home of your dreams, one of the first tasks you'll need to complete is purchasing the best homeowners insurance in Missouri before closing on a house. New homes are a significant investment and it's important to ensure you're financially protected from catastrophic losses. Missouri homeowners pay well above the national average for home insurance, mainly because the state is . According to Bankrate's analysis of home insurance quotes, the average cost of home insurance in the Show-Me State is $1,558 annually for $250,000 dwelling coverage. Collapse

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The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first.

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There are homes for sale this year in Missouri compared to 2020 as a result of a national trend of lower inventory of homes on the real estate market since the pandemic began. If you are fortunate enough to get your offer accepted on the home of your dreams, one of the first tasks you'll need to complete is purchasing the best homeowners insurance in Missouri before closing on a house. New homes are a significant investment and it's important to ensure you're financially protected from catastrophic losses. Missouri homeowners pay well above the national average for home insurance, mainly because the state is . According to Bankrate's analysis of home insurance quotes, the average cost of home insurance in the Show-Me State is $1,558 annually for $250,000 dwelling coverage. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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Return to form There are homes for sale this year in Missouri compared to 2020 as a result of a national trend of lower inventory of homes on the real estate market since the pandemic began. If you are fortunate enough to get your offer accepted on the home of your dreams, one of the first tasks you'll need to complete is purchasing the best homeowners insurance in Missouri before closing on a house. New homes are a significant investment and it's important to ensure you're financially protected from catastrophic losses. Missouri homeowners pay well above the national average for home insurance, mainly because the state is . According to Bankrate's analysis of home insurance quotes, the average cost of home insurance in the Show-Me State is $1,558 annually for $250,000 dwelling coverage. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

Leaving so soon Your custom quotes are just minutes away

Return to form There are homes for sale this year in Missouri compared to 2020 as a result of a national trend of lower inventory of homes on the real estate market since the pandemic began. If you are fortunate enough to get your offer accepted on the home of your dreams, one of the first tasks you'll need to complete is purchasing the best homeowners insurance in Missouri before closing on a house. New homes are a significant investment and it's important to ensure you're financially protected from catastrophic losses. Missouri homeowners pay well above the national average for home insurance, mainly because the state is . According to Bankrate's analysis of home insurance quotes, the average cost of home insurance in the Show-Me State is $1,558 annually for $250,000 dwelling coverage. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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Best home insurance companies in Missouri

There are numerous national and regional insurance companies that offer coverage in the state. We selected the best Missouri homeowners insurance companies based on customer satisfaction and market share in the state, as well as third-party financial strength ratings. Home insurance company Average annual premium for $250k in dwelling coverage J.D. Power customer satisfaction score $1,190 882/1,000 $1,534 829/1,000 $1,894 831/1,000 $1,889 835/1,000 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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USAA

USAA consistently ranks among the best homeowners insurance companies in the nation. The company's claims satisfaction and overall customer satisfaction is higher than any other company. Standard homeowners insurance covers most weather-related events common to Missouri, although it's important to note that must be purchased separately. If the policy-holder makes no claims in five years, it's possible to earn up to 10% off policy premiums. The biggest downside is that USAA's coverages are only available to military members and their families. Learn more:

Allstate

Allstate is one of the top insurance providers for home insurance. It receives above-average scores for customer satisfaction, with 829 out of 1000 points in the 2021 J.D. Power customer satisfaction study. If you are a first-time home buyer or looking to switch home insurance policies in Missouri, Allstate might be an attractive choice due to the benefits you could receive. For first-time homebuyers, Allstate offers the standard coverage options, as well as educational resources on home insurance for first-time homeowners and a first-time home buyers discount. For homeowners looking to switch policies, Allstate offers an early signing discount and a welcome discount, saving you extra on your home insurance. Learn more:

American Family

On average, Missouri homeowners pay more for home insurance, with the average annual premium being $1,894. However, the insurance company received above-average ratings for customer satisfaction. Missouri homeowners who sign up with AmFam home coverage receive coverage on fire, falling objects, hail, lightning, smoke, water damage and wind storms or tornadoes, to name a few. AmFam also offers all of the standard coverage options and more like flooding, sump pump failure and water backup, which are all coverage options that Missouri homeowners may want to consider due to the environmental climate of the state. Learn more:

State Farm

State Farm is the of homeowners insurance in Missouri in terms of market share, covering 25% of Missouri homeowners. It offers a substantial variety of options to add to your basic policy, including additional coverage for earthquakes and coverage for the homeowner's portion of a loss that affects all homeowner's association members. State Farm is regarded as one of the best in overall customer satisfaction, although they rank slightly below average in claims satisfaction. The company offers agents in in Missouri and user-friendly digital tools to make it easy to get a quote quickly. Learn more:

How much is homeowners insurance in Missouri

As mentioned, Bankrate’s findings on the average cost of Missouri home insurance for $250,000 in dwelling coverage is $1,558 per year, which is higher than the of $1,312 per year. Extreme weather plays a big part in why rates are higher than average — can cause serious damage to your property. In addition, Missouri has one of the , increasing the odds of burglary or theft.
Although Missouri home insurance rates are high, residents in a couple of neighboring states have higher premiums due to the greater frequency of and windstorms: Arkansas: $2,142 Oklahoma: $3,519

Missouri City Average annual premium for $250k dwelling coverage Kansas City $1,713 St. Louis $1,524

Home insurance in Missouri

Missouri homeowners have special considerations they should take into account when shopping for coverage. Consider the following elements when putting a policy together.

Common causes of loss in Missouri

Tornados: Missouri ranked for the number of tornadoes in 2019, with five of the deadliest in history striking the state. The frequency of tornadoes in states like Missouri significantly impact homeowners insurance premiums. Severe storms and flooding: Missouri residents are subject to an increased chance of severe storms and flooding because of the state’s geography. High winds commonly lead to , which can cause expensive damages if the branches or power lines fall on your home. Crime: Criminal activity typically represents a small portion of annual homeowners insurance losses, representing of all claims nationwide in 2018, according to the Insurance Information Institute (Triple-I). USA Today indicates that Missouri’s crime rate is one of the , which can translate to a higher risk of filing crime-related claims.

Home insurance coverage options in Missouri

The most common types of in Missouri are property damage, additional living expenses, personal liability, and medical payments. Consider adding the following additional coverages: Flood insurance: Flooding is not covered by a standard homeowners insurance in Missouri policy. However, you can purchase the extra coverage for added protection. It may be available as an endorsement to your home policy or purchased through the federally-backed National Flood Insurance Program or private flood insurers. Replacement cost coverage: Instead of receiving a deducted reimbursement amount for items covered by your policy, you can upgrade to replacement cost coverage. You will be able to purchase coverage that pays the full replacement cost of damaged or lost items. Disappearing deductible: If you do not foresee having claims in the future, you can opt for disappearing deductible insurance if your insurer offers it. It could reduce the cost of Missouri homeowners insurance deductibles every year without a claim.

Frequently asked questions

Missouri residents pay about 19% more than the national average for homeowners insurance, so while there is less chance of finding a cheap policy, it may not be wise to reduce coverage. Instead, homeowners can decide how much coverage they need and then shop around to find an affordable rate from the .

Standard homeowners insurance policies , even though it's the most common and most expensive type of natural disaster in Missouri and across the U.S. Federal law requires homeowners to purchase flood insurance if they live in a high-risk area, but the entire state is at risk of flooding. Homeowners may want to consider purchasing this coverage from their home insurer as an endorsement, or from the federally-backed National Flood Insurance Program or through a private flood insurer.

Homeowners insurance is intended to help cover any financial losses in the event of a disaster. Ideally, a homeowner should purchase enough insurance to rebuild their home and replace all their belongings in case of total loss, not just enough to pay off your mortgage. Make sure you have enough dwelling coverage to rebuild your home in today's marketplace, as supply chain disruption has generated significant increases in construction costs.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Written by Cynthia Paez Bowman Personal Finance Contributor Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.