If you own a home in Missouri, you should consider buying homeowners insurance to protect it from damage and loss. A standard homeowners insurance policy covers your house, other structures on your property and personal belongings against a variety of perils, including fire, theft, and water damage.
Best Homes Insurance in Missouri from Allstate USAA Liberty Mutual
If you can afford it, shop around for the most affordable homeowners insurance. The best policy to protect your biggest asset is the one you choose.
A company that is reputable should be able to offer the right balance of affordability and quality service. They also need to have a strong claim rating. MoneyGeek looked at thousands of quotes and found the Missouri homeowners insurers with these features.
The best homeowners insurers in Missouri are Allstate, USAA and Liberty Mutual based on their customer ratings, deductible savings and coverage options. These companies also provide educational resources, as well as discounts to new homeowners and customers who switch policies.
Missouri Insurance and Costs
Cost of homeowners insurance is affected by a variety of factors including location, age, and credit score. Some people may pay more if they live in a high risk area, like a tornado-belt or a city that has a higher crime rate.
You should also check your state's insurance requirements. Some states require homeowners to carry specific types of insurance, such as earthquake or flood coverage. You should shop around to find the best deal if your state requires that you purchase separate policies.
Your home's age and its condition can also impact its insurance costs. The cost of insurance can be affected by the age and condition of your home.
If you live in an area that is prone to tornadoes, or if there are more natural disasters than average, it's worth adding coverages to the homeowners policy. These policies help protect you from losses and damage due to storms, landslides or earthquakes.
Consider purchasing the following additional coverages.
Other structures not attached to your residence (garages, sheds and so on) are covered by a separate policy. They are covered under separate policies. This type of coverage ensures that any structures destroyed or damaged in a natural disaster can be replaced.
You may choose to cover yourself with one of the following options, depending on your circumstances and preferences:
Full Replacement Cost
This option will cover the costs of rebuilding your home after a disaster. This option is useful for homeowners rebuilding their home after a disaster.
The Extended Coverage
This can be a useful coverage for those who added an addition to their home such as a spa or pool. This coverage can also cover the replacement cost for your items in case they are lost or stolen.
As an alternative to the standard coverages you can purchase a number of add-ons. Some popular additions to your Missouri homeowners policy include:
A Zero Deductible Benefit
Many insurance companies offer a zero-deductible benefit that can save you a substantial amount of money in the event of a claim. It can be an excellent way to reduce your homeowners insurance rates, but make sure you fully understand the process before buying it.