The 3 Best Homeowners Insurance Companies in Missouri

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Missouri gets extreme weather ranging from summer thunderstorms and tornadoes to heavy winter snowfall, which makes finding affordable homeowners insurance a challenge. The average annual homeowners insurance premium is $1,722, according to Insurance.com. That’s about 40 percent higher than the national average.

There are things you can do as a homeowner to protect your most valuable asset and make premium rates more manageable. One of the most important money-saving measures you can take is doing your research on homeowners insurance providers and comparing rates and policy offerings.

To help you with your search, we’ve come up with a list of the companies we believe will give you the most for your money. Here are details of the picks for the top Missouri homeowners insurance providers.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Our Top Picks for Best Homeowners Insurance in Missouri

  • State Farm
  • American Family
  • Liberty Mutual

State Farm

Should they experience a loss and need to file a claim, State Farm customers have access to one of the largest claims networks in the world. Claims can be reported using the 24/7 phone hotline, at a local state farm office, online or by using the mobile Pocket Agent app. Tools like State Farm’s HomeIndex allow you to complete a digital inventory of your possessions and their value, which will help you file a claim more efficiently and recover your items.

State Farm also offers broad options for coverage in Missouri, with policies available for nearly every type of standard dwelling, including single-family homes, condos, mobile homes, and farms and ranches. Each basic policy from State Farm can be supplemented with personal liability and injury coverage, as well as umbrella insurance for complete and comprehensive protection in the event of a covered loss.

State Farm’s Discount Double Check feature ensures that you’re receiving the best possible price for your premium by automatically factoring in any discounts you are eligible for. The company does not offer premium deductions for new or recently renovated homes, however, so if your home is in that category, make sure to keep this in mind when comparing quotes.

One unique and useful feature is 360Value, which helps determine a home’s replacement value. This online estimating tool also has step-by-step instructions and a video, so you can get a better idea of how to price your home.

American Family

American Family is backed by an “A” financial rating from A.M. Best and has been around for over 80 years, making it a trusted resource. The company is a popular choice for Missouri homeowners because it emphasizes recognition of the community.

AmFam allows customers to easily customize their homeowners insurance policy by offering additional options for home offices, day cares and studios, as well as sewer backup coverage and identity theft protection. American Family offers a mobile app, MyAmFam, which allows you to keep track of your policy information, file and manage any claim and pay your premium.

To help you save on your premium, American Family offers discounts immediately to new customers with a claims-free history, as well as to loyal AmFam customers who have been insured with the company for at least five years. Other discounts are available for various policy bundles, installing security devices, and opting for an umbrella policy. Taking advantage of these discounts can save you more than 30 percent on your Missouri homeowners insurance policy premium.

Liberty Mutual

Liberty Mutual is one of the best choices for homeowners insurance in Missouri. The company’s affordable rates are supplemented with multiple savings opportunities: Customers who combine multiple insurance policies, install security devices, purchase 100 percent replacement cost coverage and obtain a quote from Liberty Mutual before their existing policy expires are eligible for rate reductions.

Liberty Mutual also has a vast affiliate network and affords additional discounts and exclusive benefits to customers belonging to one of its 14,000 participating employers, groups and alumni associations.

In addition to being affordable, Liberty Mutual is also a good provider to have in the event of a disaster. Filing a claim can easily be done online or on the phone via its claims hotline.

Liberty Mutual also provides emergency repairs 24 hours a day, 365 days a year. Upon filing a claim, a Liberty Mutual representative can connect you with an approved contractor in your area to do the immediate repairs necessary to make your home safe and livable. Liberty Mutual offers inflation protection, a unique feature that covers possessions to their full value, not a depreciated value.

How much is homeowners insurance in Missouri?

The average homeowners insurance premium is $1,722, which is $494 more than the national average of $1,228. Of course, the cost will vary by city and depends on the rate factors listed below.

Missouri Rate Factors

Missouri is prone to a wide variety of weather events, ranging from tornadoes to torrential rains. A large amount of rain and wind can combine to increase potential damage to homes.

While weather-related damage is responsible for many home insurance claims, Missouri homeowners also have an additional concern: sinkholes. Government researchers have identified Missouri as one of the states most at risk for sinkholes, which makes optional sinkhole coverage an important consideration as you shop for the best Missouri homeowners coverage.

The 3 Best Missouri Homeowners Insurance Companies

  • State Farm
  • American Family
  • Liberty Mutual

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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