Whether you're a new homeowner or have been in your home for a while, finding the best homeowners insurance in Missouri can be tricky. You need to find an insurance company that provides the coverage you want at a price that you can afford. Comparing quotes and companies can be difficult because there are so many things to consider.
Average Home Insurance Rates in Missouri
Missouri homeowners insurance rates are higher than national averages, at $2,876 a year. However, this doesn't mean you can't save money.
How your location affects home insurance premiums
Homes in areas where there is a high chance of severe weather and tornadoes may have higher insurance rates. You may find lower insurance rates if you live in rural areas or are outside of the storm belt.
What are some of the most popular insurance companies for homeowners in Missouri
Allstate and Farmers are among the top Missouri home insurance companies. Each has a variety of discounts and offers different levels of protection, so it's important to compare them all.
Best Home Insurance for Military Personnel in Missouri
USAA has a fantastic homeowners insurance for active duty and retired military. They have a customer satisfaction rating of 882 out of 1,000, which is the highest score among home insurance providers.
GEICO Missouri also offers a decent home insurance policy. The policy is 40% cheaper than the state average and offers a bundle of home and car insurance.
According to the NAIC's index, they have received three times the number of complaints as the average business.
Allstate has a good reputation for customer service, but it's not as good when it comes to providing the cheapest home insurance in Missouri. Its average annual cost is $896. That's 40% less than what the state average is.
Most Insurance Companies in Missouri Offer Bundling Options
You should also look for companies who offer a variety of policies, including auto and home insurance. This is a good way to save money on your monthly insurance bills and also makes it more likely that you will stay with the company.
It is always possible to ask an insurance agent more details, but you might also want to look at the company's site. 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.
As well as these factors, the age and value of your home can influence its insurance costs. It is important to choose a home insurance policy that provides enough coverage, both for the house and its contents.
If you reside in a flood prone area, it is important to purchase flood insurance. They are often not included in standard home insurance policies but can be purchased separately.