Paige Cerulli Last Updated On: October 17, 2023

How to Find the Best Homeowners Insurance in Missouri

The right home insurance policy can help to protect your investment in your home. But finding the best policy can be tricky, especially when you’re new to homeownership and are just starting to understand the ins and outs of how insurance works.

That’s why we’ve included some of the key information that you need to know when you shop for home insurance in Missouri. This overview can help you to find the policy that’s right for your coverage needs and your budget.

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Table of Contents

The Average Cost of Home Insurance in Missouri

The average cost of home insurance in Missouri is $1,769 per year for $250,000 of dwelling coverage. That rate is about $300 higher than the national average home insurance rate of $1,428 per year. Home insurance in Missouri costs more than the national average because of the state’s weather, including tornadoes and storms, which can cause significant damage.

While the state’s average insurance cost gives you a rough idea of what you’ll pay, costs can vary depending on where in the state you live, too. Locations that have higher crime rates or that are an increased risk of severe weather usually have higher insurance rates. Home insurance rates tend to be lower in areas with less risk.

Missouri City

Average Cost of Home Insurance Per Year

Lake Saint Louis


Saint Charles






South West City



Other factors, like your home’s age, its value, and how far away the fire station is located, can also impact your rates. Since insurance rates vary so much, getting a personalized quote will give you the most accurate idea of what you will pay for insurance. You can get free home insurance quotes in Missouri from ConsumerCoverage and start exploring your options today.

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Coverage Options for Homeowners Insurance in Missouri

Understanding what’s included in your quotes will be helpful when you shop for home insurance in Missouri. Most base home insurance policies will include these types of coverage:
  • Dwelling coverage covers the structural elements of your home, like the walls, roof, and porch.
  • Other structures coverage helps to protect detached structures, like a shed or barn, that are on your property.
  • Personal property coverage applies to your personal belongings in your home, like furniture or electronics.
  • Personal liability coverage helps to protect you if another person is hurt while they’re on your property. This type of insurance covers expenses like lawyer fees and lawsuits.
  • Medical payments coverage helps to cover medical expenses that could result if another person were injured while on your property.
  • Loss of use coverage applies if your home is damaged and is uninhabitable while being repaired. This coverage can help to cover costs like a rental home or hotel room.
While these base coverages are a good place to start, if you want more comprehensive coverage for your home, you might want to add on these optional coverages:
  • Flood insurance: Standard insurance policies typically exclude flood coverage. If your home is near a body of water or in a flood zone, your mortgage lender might require you to add on flood insurance, or you might want to add it on for peace of mind.
  • Valuable items coverage: Your personal property coverage will pay to repair or replace your possessions up to a certain limit, but that limit may be too low to replace valuable items like art or jewelry. Valuable items coverage increases that limit so all of your possessions, including the more expensive items, are protected.

How to Save on Home Insurance in Missouri

When shopping for home insurance in Missouri, look for discounts, like discounts for insuring your home and vehicle through the same company. Choosing a high deductible plan can also help to keep your premiums down, but make sure that you’re prepared to pay that higher deductible if you have to file a claim.

Shopping around and comparing quotes can also help you to save money. Request a free homeowners insurance quote from ConsumerCoverage today to get started and find the right policy for you.

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