It can be challenging to find the best Missouri homeowners' insurance, regardless of whether you are new or a seasoned homeowner. You're looking for a provider that can offer you the protection you need at an affordable price. But there are a lot of factors to consider when comparing quotes and companies, so it's important to know what you're looking for before you get started.
Average Home Insurance Costs in Missouri
Missouri homeowners' insurance costs are $2,876 on average per year. This is higher than average. However, this doesn't mean you can't save money.
How your location affects home insurance premiums
Homes located in areas that have a higher risk of tornadoes or severe storms could see a rise in their home insurance premiums. In contrast, homeowners' insurance rates could be lower if your home is in a remote area or you don't live within the tornado belt.
What Are the Most Popular Homeowners Insurance Companies in Missouri?
Allstate and Farmers are among the top Missouri home insurance companies. Comparing them is important because each offers different protection levels and discounts.
Best Home Insurance in Missouri for Current and Retired Military Members
USAA offers a great homeowners insurance policy to current and retired military members. They have a customer satisfaction rating of 882 out of 1,000, which is the highest score among home insurance providers.
GEICO offers a great home insurance plan for Missouri. The policy is 40% cheaper than the state average and offers a bundle of home and car insurance.
It has a NAIC complaint index of 3,07, which means that they get three more complaints than average.
Allstate is known for its excellent customer service but not so much when it comes down to offering the lowest home insurance rates in Missouri. Its yearly cost is $896, which is 40% lower than the statewide average.
Many Missouri Insurance Companies Offer Bundling Option
You should also look for companies who offer a variety of policies, including auto and home insurance. You can save money by combining your auto and home insurance policies.
For more information you can ask your insurance agent, but it is also worth visiting the company website. Some of these websites will give a quick overview on how much the company charges, what it offers, and how easy filing a claim is.
Insurance costs can be affected by a number of factors including the value of a home and its age. It is important to choose a home insurance policy that provides enough coverage, both for the house and its contents.
Flood insurance is also recommended if you live in an area prone to flooding. They are often not included in standard home insurance policies but can be purchased separately.