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Missouri Homeowners Insurance Quotes

Missouri's unofficial nickname is the "Show Me" state and it couldn't be more accurate. We have tons of natural wonders to show both residents and visitors that make Missouri one of the best places to live in the U.S. Whether you choose to live in one of our major cities such as St. Louis, Kansas City, and Springfield or prefer the small town feel of a town like Parkville or Boonville, Missouri is a great place to call home.

Recreational activities and natural beauty abound in Missouri. We have lovely plains complimented by the Ozark Mountains, all highlighted by three of the greatest rivers in the United States. The Mississippi, Missouri and Ohio River provide plenty of recreational opportunities. Regardless of whether you are boating, fishing or just watching the water go by, these three rivers are gems in the crown of Missouri.

Missouri Facts

According to the United States Census Bureau, there are roughly 5,988,927 people living in Missouri in 2015 which is an increase of 1.58 percent since 2010. These numbers make Missouri the 18th most populous state in the country. Over half of all Missouri residents live in the St. Louis or Kansas City metropolitan areas.

Missouri tends to be a very affordable state to purchase a house. According to Zillow, the median home value is $133,000, which is an increase of 4% over last year and Zillow is predicting another 3 percent increase over the next year.

There are roughly 3,309 households per zip code and an average of 3 people per house. Missouri ranks a solid 36th in the country when it comes to household income with a median household income of $45,000 per year.

As with all states, home prices can vary dramatically depending on where you choose to live. While the average price in Overland Park is a whopping $441,000, the average household price in Kansas City is a much more affordable $109,000.

Homeowners Insurance in Missouri

Insurance rates can vary dramatically by neighborhood but on average, Missouri falls in the middle when it comes to the cost of homeowners coverage. According to recent studies provided by national insurance commissioners and state departments, the average yearly rate for a homeowners policy is $1,091 which is slightly above the national average of $1,034.

Shopping your coverage on a regular basis can help drive down the cost to insure your home. Experts recommend shopping your insurance rates on a yearly basis and contacting at least 5 different insurance companies to ensure you are getting the best price.

Adding a monitored alarm system or sprinkler system to your home can lower your premium as can bundling all of your insurance needs with one insurer.

Factors to Consider in Missouri

Crime rates can have a huge impact on homeowner insurance rates. Missouri tends to be pretty safe with violent crime and property crime rates that are slightly above the national average.

According to FBI data, Branson leads the pack when it comes to crime. Springfield is number two, Doniphan comes in third with St. Louis as number four and Wellston rounds out the top five.

Wherever you decide to call home in the Show Me State, always check crime statistics before settling on a neighborhood. Websites such as City-Data can help you determine crime rates in any neighborhood you are considering.

If you have moved to Missouri's capitol Jefferson City or any of our other beautiful cities such as Joplin, Hannibal or Columbia we can help you find the best deal on homeowners insurance. Simply fill out our quick and easy quoting application and we will shop up to 12 carriers to provide the most competitive and affordable rates in Missouri. It's the best way to shop dozens of insurers quickly and ensure you get the best price on your homeowners coverage.

Average Homeowners Insurance Premiums in Missouri

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Missouri homeowners are paying on average. Did you know that the average homeowners insurance premium in Missouri is $1301? Missouri is now ranked 20 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Missouri is 0.76% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1301 (0.2%)$ 10820
2019$1299 (-6.1%)$ 10818
2018$1383 (7.35%)$ 11515
2017$1285 (0.39%)$ 10716
2016$1280 (2.13%)$ 10717

When we combine the state averages over the last decade, the Missouri overall average is estimated to be around $1,180.33. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Missouri current state rank compare to the rest of the country is #20. Consider shopping your Missouri home insurance with us so we can help you save up to 40% or more on your policy.

Missouri Homeowners Insurance News & Information

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 30th November, 2023

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Did you know? Your Home Insurance Doesn’t Cover… Posted on Wednesday 29th November, 2023

    While homeowners insurance covers a variety of perils and protects your home and personal possessions, it does come with a number of exclusions and coverage gaps that can result in you having to cover the cost of certain damage out of pocket.  Let’s have a quick look at what your homeowners policy does and doesn’t […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • What Is the 80/20 Rule In Homeowners Insurance? Posted on Wednesday 8th November, 2023

    If you are purchasing a home, your lender will require that you carry homeowners insurance to protect their investment in your home. Homeowners coverage will help cover the cost of repairing or replacing your home if it is damaged or destroyed by a covered peril.  Covered perils can include items such as a hurricane or […]

Missouri Housing & Real Estate Data

Details:Staticstics
Total Housing Units2712729
Occupied Housing Units2375611
Vacant Housing Units337118
Vacant Housing Units for Rent92946
Vacant Housing Units Rented Not Occupied4290
Vacant Housing Units For Sale44200
Vacant Housing Units Sold Not Occupied11098
Vacant Housing Units For Seasonal Occasional Use80374
Vacant Housing Units All Other Vacants104210
Housing Units Homeowner Vacancy Rate Percent2.6
Housing Units Rental Vacancy Rate Percent11.1
Housing Tenure Occupied Units2375611
Housing Tenure Occupied Units Owner Occupied1633610
Housing Tenure Occupied Units Owner Occupied Population4145569
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.54
Housing Tenure Occupied Units Renter Occupied742001
Housing Tenure Occupied Units Renter Occupied Population1669216
Housing Tenure Occupied Units Renter Occupied Average Household Size2.25

Understanding Missouri Homeowners Insurance

When shopping for Missouri homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Missouri renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Missouri, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Missouri rates and coverage options.