Missouri Home Insurance Quotes
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Call Us Now: 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 |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 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 1 | Home 2 | Home 3 | Home 4 | Home 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 |
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
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Home insurance deadline may be approaching for many Joplin tornado victimsWednesday, May 16, 2012
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MLB, players team up to continue Joplin recovery effortsFriday, May 11, 2012
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Lawmakers continue to debate flood insurance programThursday, May 10, 2012
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Hail leaves St. Louis residents assessing damageMonday, April 30, 2012
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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 Missouri homeowners.
- Visit the Homeowners Blog to read the latest news affecting Missouri 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.
