Best Home Insurance Companies In Missouri – Allstate offers the cheapest home insurance in Missouri. The cost of a policy is $896 per year, or $75 per month.
The best home insurance policy is one that strikes the right balance between affordability, reliability and coverage. To help Missouri homeowners find the best home insurance, we gathered hundreds of quotes from across the state and evaluated the top home insurers in Missouri.
Best Home Insurance Companies In Missouri
Allstate has one of the cheapest average prices for homeowners insurance in Missouri, with an annual rate of only $896 per year.
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We gathered thousands of home insurance quotes across Missouri to find out which insurance company offers the lowest prices in the state.
The average cost of homeowner insurance in Missouri is $1,492 per year. This is $3 per year less than the national average.
Missouri homeowners should also consider comparing quotes nationwide. The company’s policy costs only $6 per month more than the cheapest insurer Allstate.
We conducted an in-depth review of the top homeowners insurance companies in Missouri, analyzed their prices, coverage options, customer service, and more to find the best home insurance company for Missouri homeowners with many different needs.
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We recommend Allstate for Missouri homeowners to focus on finding the best home insurance rates. Allstate in Missouri offers a very low average cost of $896 per year. It is 40% less expensive than the national average.
Allstate also offers a nice home and auto insurance bundle for its customers. The company claims that customers can save up to 25 per cent by bundling their policies.
However, Allstate’s customer service is not as good as other Missouri insurers. It has a 3.07 complaint index from the National Association of Insurance Commissioners (NAIC), which means it receives more than three times the average number of complaints based on its size.
Missouri homeowners looking for excellent customer service should obtain a quotation from Shelter. According to the NAIC, the company receives only 25% of complaints, as expected for an insurer of its size. The shelter offers a surprising amount of variety for a small insurance company, such as wreck removal, inflation protection and dock protection.
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Shelter’s home insurance rates are among the highest in Missouri, and the company’s online tools are somewhat limited. At $1,789 per year, the cost of a policy is $297 per year more than the state average. While it’s important to have an insurance company you can trust if you need to make a claim, the extra cost is worth it for homeowners who value peace of mind.
USAA is the best homeowner insurer in Missouri for military members and their families. It has affordable rates and good customer service, along with some special coverage options, which should be especially attractive to people in the military. For example, USAA covers your personal property even if you’re in a war zone, which most insurers don’t cover—an important consideration for soldiers on active duty.
The average rate from USAA is $1,468 per year, or $24 per year cheaper than the typical rate in Missouri. The biggest downside to USAA is its eligibility requirements. To purchase insurance from USAA, you must have served in the military, or you must be an immediate family member (spouse or dependent) of someone with USAA insurance.
The cheapest cities in Missouri for home insurance are Breshear and Macon, while the most expensive insurance can usually be found in Steele.
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The average cost of home owner’s insurance varies from $443 per year depending on where you live in Missouri.
We rated homeowners insurance companies based on their NAIC Complaint Index scores, JD Power’s annual customer satisfaction study, and our own editor ratings.
Like other states in the Midwest, Missouri’s most common regional insurance perils are related to seasonal storms: thunderstorms and tornadoes in the summer, and snowstorms in the winter. Damage from some of these weather-related events is covered by standard home insurance policies, but some types of damage require a separate policy or endorsement for coverage.
Tornadoes are a common occurrence in Missouri – according to the National Weather Service, there were 50 tornadoes in 2021. Wind damage from tornadoes and other storms is usually covered by home insurance. Wind is one of the home insurance perils that almost all policies cover, and you are protected whether it rips shingles off your roof, breaks windows or a tree falls on your home.
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In the winter, one of the more common sources of damage to Missouri homes is blizzards. The most common ways winter weather damages homes is by heavy snow on roofs and ice bursting gutters.
Snow damage is usually covered by homeowner’s insurance. This includes fallen trees. The only exception is if the damage was caused by negligence on your part: for example, if snow damages the roof after you neglected to make necessary repairs.
Flooding is not as common in Missouri as in coastal states, but damage can still be a concern for homeowners who live near large rivers such as the Mississippi or Missouri.
Flood damage is generally not covered by homeowner’s insurance. You can protect against the cost of flood damage by purchasing a separate flood insurance policy.
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There are two types of flood insurance: policies sold through the National Flood Insurance Program (NFIP) supported by the federal government, and policies sold by private insurers. Both are usually sold through private companies.
The main difference is that you may not be rejected for an NFIP flood policy because of the high risk, but a private policy may offer more flexibility when it comes to coverage limits and rates. The waiting period for private flood insurance policies is generally shorter than the 30 days required to wait for NFIP flood insurance.
The average cost of home insurance in Missouri is $1,492 per year. However, average rates can range up to $443 per year depending on the city you live in.
Landlord in st. In comparison, living in Kansas City pay $1,622 per year.
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According to the NFIP, the average cost of flood insurance in Missouri is $1,215 per year. The typical policy includes coverage of $222,000.
We gathered thousands of home insurance quotes from every zip code in the state from the eight top Missouri insurance companies. Our sample home was built in 1976 with home equity of $157,200.
The analysis uses insurance rate data from Quadrant Information Services. These rates have been obtained from publicly available insurer filings and should be used for comparison purposes only – your own quote may differ.
We used the National Association of Insurance Commissioners (NAIC) Complaint Index, J.D. Determined customer service ratings using data from Power’s 2021 Home Insurance Customer Satisfaction Survey and reviews from our own editors analyze it all.
Compare Homeowners Insurance Quotes For 2022
Call to get an insurance quote over the phone: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! For this reason, we have determined the best companies for a variety of customer profiles, whether you are looking for cheap insurance, great customer service or the best home and car bundle.
We’ve compiled thousands of quotes from the nation’s largest insurers to determine the best home insurance companies. We also consider customer reviews and ratings, availability, coverage options and discounts.
Finding the cheapest price for home owner’s insurance is important, but there are several factors you should consider when shopping for the best policy. We analyzed insurance rates, coverage options, customer reviews and financial stability to determine the six best home insurance companies.
Erie offers homeowners great insurance coverage and exceptional customer service at some of the cheapest rates in the country. However, Erie only offers home insurance in 12 states and Washington, D.C., which means many homeowners are not eligible.
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On average, an Erie homeowner’s insurance policy costs $1,244 per year, which is $220 cheaper than the national average of $1,464 per year. In addition to significant savings, Erie’s standard home insurance policy comes with additional coverage options that you won’t have with most other insurers, such as guaranteed replacement cost cover and theft cover, which includes lost items, a benefit that is worth your while. Useful if you have valuables that can easily be misplaced, such as jewelry and small electronics.
Erie also provides reliable customer service to landlords. According to the National Association of Insurance Commissioners (NAIC), the company receives only 9% as many complaints as insurers of similar size, and has a high score on J.D. Earned Power’s customer satisfaction survey. This means that most customers are satisfied with the service they are receiving from Aerie.
State Farm is the best option for homeowners looking for affordable insurance without sacrificing quality. Its low rates and national coverage give homeowners access to affordable coverage nationwide – a policy costs an average of $1,363 per year. The company offers the cheapest homeowner insurance in several states including Arizona, Illinois and North Carolina.
Like many insurers, State Farm offers discounts for bundling your home and auto insurance policies. simultaneously,
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