4.5/5 stars Read Reviews
Call Us Now: 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 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 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
| 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. |
Missouri Homeowners Insurance News
- Home insurance deadline may be approaching for many Joplin tornado victimsWednesday, May 16, 2012
- MLB, players team up to continue Joplin recovery effortsFriday, May 11, 2012
- Lawmakers continue to debate flood insurance programThursday, May 10, 2012
- Hail leaves St. Louis residents assessing damageMonday, April 30, 2012
- Missouri home insurance rates rising in aftermath of tornadoesWednesday, March 28, 2012
Other Missouri Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other homeowners.
- Visit the Homeowners Blog to read the latest news affecting homeowners today!
Search for home insurance in your Missouri county:
- Adair
- Andrew
- Atchison
- Audrain
- Barry
- Barton
- Bates
- Benton
- Bollinger
- Boone
- Buchanan
- Butler
- Caldwell
- Callaway
- Camden
- Cape Girardeau
- Carroll
- Carter
- Cass
- Cedar
- Chariton
- Christian
- Clark
- Clay
- Clinton
- Cole
- Cooper
- Crawford
- Dade
- Dallas
- Daviess
- Dekalb
- Dent
- Douglas
- Dunklin
- Franklin
- Gasconade
- Gentry
- Greene
- Grundy
- Harrison
- Henry
- Hickory
- Holt
- Howard
- Howell
- Iron
- Jackson
- Jasper
- Jefferson
- Johnson
- Knox
- Laclede
- Lafayette
- Lawrence
- Lewis
- Lincoln
- Linn
- Livingston
- Macon
- Madison
- Maries
- Marion
- Mcdonald
- Mercer
- Miller
- Mississippi
- Moniteau
- Monroe
- Montgomery
- Morgan
- New Madrid
- Newton
- Nodaway
- Oregon
- Osage
- Ozark
- Pemiscot
- Perry
- Pettis
- Phelps
- Pike
- Platte
- Polk
- Pulaski
- Putnam
- Ralls
- Randolph
- Ray
- Reynolds
- Ripley
- Saint Charles
- Saint Clair
- Saint Francois
- Saint Louis
- Saint Louis City
- Sainte Genevieve
- Saline
- Schuyler
- Scotland
- Scott
- Shannon
- Shelby
- Stoddard
- Stone
- Sullivan
- Taney
- Texas
- Vernon
- Warren
- Washington
- Wayne
- Webster
- Worth
- Wright
Customer Reviews in Missouri
For additional information about specific insurance laws in Missouri, visit the Missouri Department of Insurance website.
