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Clark County, MO Homeowners Insurance Quotes

Are you looking for a quick comparison of Clark County, MO homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Clark County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Affordable Clark County Rates

Homeowners living in Clark County, pay on average around $1301 per year or $108.42 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Clark County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-913-276-4017

For all Clark County, MO residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Clark County? Simply enter your zip code to get your Missouri homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Clark County, MO Housing Demographics

With 7,139 residents living within the Clark County area there are over 3,473 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 1,987 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Clark County.

DemographicValues
Total Occupied Households2,933
Family Households (families)1,987
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units3,473

Clark County, MO Home Insurance Average Premiums

Local Clark, MO homeowners insurance quotes comparison

$1,041 /yr.

Missouri's Average Home Insurance Rates Overall

For the state of Missouri, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 20 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$688 /yr.
Current Average Cost:$1,041 /yr.
Maximum Range:$1383 /yr.

Missouri Homeowners Insurance News & Information

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

Discounts For Homeowners in Clark County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Missouri homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Clark County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Clark County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Clark County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Clark County Housing & Real Estate Data

Details:Statistics
Total Housing Units3473
Occupied Housing Units2933
Vacant Housing Units540
Vacant Housing Units for Rent81
Vacant Housing Units Rented Not Occupied13
Vacant Housing Units For Sale32
Vacant Housing Units Sold Not Occupied19
Vacant Housing Units For Seasonal Occasional Use183
Vacant Housing Units All Other Vacants212
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units2933
Housing Tenure Occupied Units Owner Occupied2231
Housing Tenure Occupied Units Owner Occupied Population5486
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied702
Housing Tenure Occupied Units Renter Occupied Population1563
Housing Tenure Occupied Units Renter Occupied Average Household Size2