Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Miller County, MO agent.

Miller County, MO Homeowners Insurance Quotes

If you shopping for home insurance for your property located in Miller County MO, we have great coverage options available at GetHomeInsuranceQuotes.com. We offer up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Miller County. Our Missouri agents have over 20+ years of experience and are ready to help you compare and review the most affordable homeowners policies available, including enhanced coverage options and discouts. Protecting your home in Miller County from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy should be limited to so ask our agents which carrier and coverage option is best for you.

You might like to know that the average home insurance rate for the state of Missouri is $1668 a year. That's $139.00 a month in homeowners insurance cost. We can certainly help you save up to 40% or more by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Miller County MO. Simply give us a call now at 1-855-976-2656

For all Miller 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 Miller 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.

Miller County, MO Housing Demographics

With 24,748 residents living within the Miller County area there are over 12,758 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 6,723 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 Miller County.

DemographicValues
Total Occupied Households9,917
Family Households (families)6,723
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units12,758

Miller County, MO Home Insurance Average Premiums

Local Miller, MO homeowners insurance quotes comparison

$1,090 /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 15 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$688 /yr.
Current Average Cost:$1,090 /yr.
Maximum Range:$1668 /yr.

Missouri Homeowners Insurance News & Information

  • Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026

    If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]

  • Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

  • Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026

    Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]

  • Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025

    Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

Discounts For Homeowners in Miller 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 Miller 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 Miller 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 Miller 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.

Miller County Housing & Real Estate Data

Details:Statistics
Total Housing Units12758
Occupied Housing Units9917
Vacant Housing Units2841
Vacant Housing Units for Rent414
Vacant Housing Units Rented Not Occupied12
Vacant Housing Units For Sale242
Vacant Housing Units Sold Not Occupied28
Vacant Housing Units For Seasonal Occasional Use1264
Vacant Housing Units All Other Vacants881
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent14
Housing Tenure Occupied Units9917
Housing Tenure Occupied Units Owner Occupied7341
Housing Tenure Occupied Units Owner Occupied Population18353
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied2576
Housing Tenure Occupied Units Renter Occupied Population6124
Housing Tenure Occupied Units Renter Occupied Average Household Size2