If you're searching for Missouri home insurance quotes, you've come to the right destination. You can simply the process by working with HomeInsurance.com agents. How? Our licensed agents shop your coverage with multiple highly rated carriers to compare coverage and premiums for you. Don't believe us? Even residents of the Show me State will believe the convenience when they see it.
Missouri home insurance: Show Me State protection
As a generally flat plain with neither tall mountains nor oceans nearby to regulate the weather, Missouri is prone to severe and sudden weather contrasts. Hot and cold extremes travel from the humid Gulf of Mexico and the Arctic wind respectively, and they fight for influence across the state. Accordingly, the state experiences a large number of both thunderstorms and winter storms.
Dueling weather fronts also cause numerous tornadoes. There are certain steps you can take to prepare your house physically for tornado season, but make sure you are always covered by Missouri homeowners insurance so that you can pick yourself up after a disaster.
As a state crisscrossed by rivers, lakes, and streams big and small, Missouri is vulnerable to floods. Remember that typical Missouri home insurance policies do not cover flood or earthquake damage. If you live in or near a flood plain, consider buying a separate flood insurance policy through FEMA's National Flood Insurance Program. If you live close to the fault lines in the boot heel of the state, check out the Missouri Department of Insurance for information about earthquake policies.
Home insurance rates in Missouri
Average Missouri home insurance rates in February were approximately $998.00 which have increased since January 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
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Find out how Missouri rates stack up to national rates. On average, Missourians paid $998, compared with the national average premium of $815.
Rates frequently fluctuate, but you can almost always find ways to save on your home insurance premiums. The Insurance Information Institute (III) recommends that you check your policy at least annually to make sure you're covered. While you check your policy, you also can find potential savings. If you enter your ZIP code above or call us at 1-877-295-3422, we can begin to show you the different discounts for which you might qualify.
Common opportunities to save include:
- Bundling: Purchasing your policies for auto insurance and Missouri home insurance with the same carrier can typically earn you price breaks.
- Fire: In addition to storms, Missouri's plains and forests also are vulnerable to fires. Carriers reward safe homeowners by offering discounts for homes with smoke detectors, sprinklers, and those with no smoking residents. Why? The average payout for a fire claim exceeds $33,000, according to the III.
- Security: Residents with certified security systems can save up to 10% because the systems can substantially reduce the changes of break-ins. Even installing deadbolt locks could earn price breaks of up to 5%.
- New home: If your home was built within the last 10 years, you could earn a new home discount with your carrier.
- Sustainable materials: Green materials, especially recycled steel and aluminum, used in construction or renovation of roofs can earn you preferred because they are usually more durable.
Your neighbors' Missouri homeowners insurance premiums
In determining what you should pay for Missouri home insurance, it can be helpful to know what those around you pay. For instance, you can find out how the average premium in your county compares to the average premium in your state.
HomeInsurance.com also can show you the five most recent policies our agents have written for Missouri residents. Remember, providers determine home insurance quotes using multiple factors, including individual history, house and construction type, and location. To truly know what you must pay, talk to a licensed agent.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,333†||$796†||$991†||$481†||$520†|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Gas||Central Gas||Central Gas||Central Electric|
Standard Missouri home insurance policy coverage
A typical policy doesn't simply protect the structure of your home. Informing yourself about what a standard Missouri home insurance policy can help you get the coverage and security you need:
- Dwelling/ Other Structures: Any structures on your property, including your home (dwelling) and anything attached or unattached to it, such as tool sheds or garages (other structures) receive protection from a standard policy.
- Personal Property: Your policy will help pay for repair to or replacement of any of your home's contents up to the policy limits.
- Loss of Use: This coverage can help pay hotel or restaurant bills if your house becomes damaged in a covered event and you are forced to relocate while it undergoes repair.
- Personal Liability: This can come into play if someone gets injured on your property and files a lawsuit. It can help pay legal expenses as well any award issued in the case, up to your coverage limits.
- Medical Payments: This helps to pay the medical bills of someone who sustains an injury on your property but decides not to take you to court.
Additional Missouri home insurance resources
If you still find home insurance difficult to understand, you can find answers and information in our Frequently Asked Questionssection.
Prepare your home for any storm or natural event using our Disaster Preparedness Guide.
Use our Home Insurance Calculator to estimate the amount of dwelling coverage to purchase and discover the average dwelling costs for Missouri homes.
Missouri homeowners insurance by city
Find more detailed information by clicking your Missouri city below.
|Independence||Kansas City||Kirksville||Lake Saint Louis|