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Missouri Home Insurance Quotes

Average home insurance rates, coverage and discounts information in Missouri.

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Missouri home insurance today.

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Year Built:
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Finding competitive, low cost Home Insurance quotes in Missouri just got a whole lot easier. At HomeInsurance.com, you can fill out one form and get multiple quotes. Get a new, 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.

Our team of licensed agents will shop for your Missouri home insurance policy and help you get the best rate on the most comprehensive coverage. You'll get access to bundle discounts and apples-to-apples comparisons for multiple MO insurance providers.

Get the Best Home Insurance Rates in MO

Average Missouri home insurance rates in April were approximately $1169.00 which have decreased since March when rates were around $1197. 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
Apr 2013Mar 2013Feb 2013Jan 2013Dec 2012
$1169.00$1197.00$1209.00$1235.00$1248.00

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 Home insurance policies. You can also save money if you've got a security system installed or if you've filed no claims on previous insurance. The Insurance Information Institute 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. One of our experts can not only find you coverage at a low price, but discounts you may not get otherwise.

Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to get Missouri home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your MO policy. They also will make sure you get every available discount. Potential discounts include the following:

  • Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
  • Nonsmokers. Save up to 20% if no one in your households smokes.
  • New home. If your home was built within the past 10 years, you could save up to 20%.
  • 55 or older, retired. Save up to 20% - certain conditions apply.
  • Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
  • Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
  • Fire/smoke detectors and deadbolt locks also could mean savings.

Discounts vary widely by provider. All discounts aren't available in every state.

See what your neighbors in Missouri are paying

Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Missouri by HomeInsurance.com agents.

Premiums vary according to square footage, location, features of the home and other factors.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $1,336 $715 $1,144 $1,061 $1,123
Premium with Auto Discount$1,136† $715 $1,144 $1,061$955†
Carrier Safeco Safeco Foremost Foremost Foremost
Zip 63138 63829 63138 63124 65672
Year Built 1950 1940
Foundation type Basement Crawl Space
Lot Size N/A N/A N/A N/A N/A
Square Feet N/A N/A N/A N/A N/A
Bedrooms N/A N/A N/A N/A N/A
Bathrooms N/A N/A N/A N/A N/A
Discounts














Primary Heat Source Central Electric Central Gas
† Estimate if the homeowner had bundled coverages.

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.

Other Missouri Homeowners Resources:

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Customer Reviews in Missouri

The top 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.

Call now and speak to a licensed agent: 1-877-919-5198