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 on home insurance coverages and rates in your area.
The average Missouri homeowners insurance rate in September 2009 was $765.00. It appears that rates have increased since August 2009 when average rates in Missouri were around $761.00.
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on your Missouri homeowners insurance. Be sure to review your home insurance policy with your local Missouri insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Missouri homeowners insurance policy to be sure you are still getting the coverage you need for your home and family.
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. |
Other Missouri Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Missouri home insurance policy? Quiz yourself!
- homeowner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Missouri
- Missouri Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Missouri county:
- Wright
- Worth
- Webster
- Wayne
- Washington
- Warren
- Vernon
- Texas
- Taney
- Sullivan
- Stone
- Stoddard
- Shelby
- Shannon
- Scott
- Scotland
- Schuyler
- Saline
- Sainte Genevieve
- Saint Louis City
- Saint Louis
- Saint Francois
- Saint Clair
- Saint Charles
- Ripley
- Reynolds
- Ray
- Randolph
- Ralls
- Putnam
- Pulaski
- Polk
- Platte
- Pike
- Phelps
- Pettis
- Perry
- Pemiscot
- Ozark
- Osage
- Oregon
- Nodaway
- Newton
- New Madrid
- Morgan
- Montgomery
- Monroe
- Moniteau
- Mississippi
- Miller
- Mercer
- Mcdonald
- Marion
- Maries
- Madison
- Macon
- Livingston
- Linn
- Lincoln
- Lewis
- Lawrence
- Lafayette
- Laclede
- Knox
- Johnson
- Jefferson
- Jasper
- Jackson
- Iron
- Howell
- Howard
- Holt
- Hickory
- Henry
- Harrison
- Grundy
- Greene
- Gentry
- Gasconade
- Franklin
- Dunklin
- Douglas
- Dent
- Dekalb
- Daviess
- Dallas
- Dade
- Crawford
- Cooper
- Cole
- Clinton
- Clay
- Clark
- Christian
- Chariton
- Cedar
- Cass
- Carter
- Carroll
- Cape Girardeau
- Camden
- Callaway
- Caldwell
- Butler
- Buchanan
- Boone
- Bollinger
- Benton
- Bates
- Barton
- Barry
- Audrain
- Atchison
- Andrew
- Adair
For additional information about specific insurance laws in Missouri, visit the Missouri Department of Insurance website.
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