Missouri Home Insurance Quotes

Homeowners insurance data in Missouri including average premiums.

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Finding competitive, low cost homeowners insurance quotes in Missouri does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Missouri home insurance coverage. Rest assured knowing our team of Missouri licensed insurance consultants are standing by to give you top notch advice to coverages and rates in your area.

Average Missouri home insurance rates in December were approximately $1001.00 which have increased since November when rates were around $984. Average rates in the area reflect premiums on new policies sold by HomeInsurance.com in Missouri. For a full list of premiums by state visit our RateReport.

Average Premiums for Home Insurance In Missouri
Dec 2011Nov 2011Oct 2011Sep 2011Aug 2011
$1001.00$984.00$954.00$949.00$923.00

There are a lot of discounts for Missouri homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their Missouri homeowners insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything.

Standard Missouri Home Insurance Coverages

Coverage
A

Dwelling: A standard Missouri homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril

B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Missouri home insurance policy

C

Contents/Personal Property: A Missouri home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.

D

Loss of Use: If your Missouri home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.

E

Personal Liability Protection: In Missouri, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.

F

Medical Payments: Medical Payments coverage, or Missouri MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.

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Customer Reviews in Missouri

The top 5 customer reviews on HomeInsurance.com service and savings in Missouri.
4 Star Rating
Savings: $382/year
Customer: Kathryn R.
Date: Jan 13, 2012
The agent was so helpful and explained the benefits of the policies to me. Also, he saved me a great amount of money per year. I am grateful to have the better coverage for less money.
Sullivan, MO
4 Star Rating
Savings: $800/year
Customer: Eva M.
Date: Aug 27, 2010
Thank you for the savings!
St. Louis, MO
4 Star Rating
Savings: $400/year
Customer: Paige M.
Date: Mar 03, 2010
Friendly service, saved some money, can't beat that!
Independence, MO
4 Star Rating
Savings: $200/year
Customer: Rebecca H.
Date: Apr 09, 2009
HomeInsurance.com helped me save money and improve my coverage.
Independence, MO
4 Star Rating
Savings: $300/year
Customer: Sean D.
Date: Apr 09, 2009
Wonderful to work with and you saved me three hundred dollars.
Kansas City, MO

For additional information about specific insurance laws in Missouri, visit the Missouri Department of Insurance website.

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