The 3 Best Missouri Homeowners Insurance Companies

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Missouri’s extreme weather — from summer thunderstorms and tornadoes to heavy winter snowfall — makes finding affordable coverage in the state a Herculean task. Research has estimated the average homeowners insurance premium in the Show-Me State at about 6% above the national average.

Hope is not lost, however. 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 navigate your options, we’ve come up with our list of the companies we believe will give you the most for your money. We’ve also included an online quote tool, so you can start the comparison process immediately and receive accurate up-to-date estimates.

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.

The 3 Best Missouri Homeowners Insurance Companies

Here are The Simple Dollar’s picks for best home insurance in Missouri:

  • State Farm
  • American Family
  • Liberty Mutual

Missouri insurance needs are special

As you might expect, weather-related damage is responsible for many home insurance claims. Missouri homeowners face their share of bad weather but 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.

State Farm

Should they experience a loss and need to file a claim, State Farm customers have the peace of mind knowing that they 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, online, or using the mobile Pocket Agent app. Tools like State Farm’s HomeIndex allow you to compose a digital inventory of your covered possessions and their respective worth, helping you file a claim more efficiently and recover your items.

State Farm also offers among the widest 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 baseline 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.

American Family

American Family is backed by an “A” financial rating from A.M. Best and has been around for over 80 years, so you can trust the quality of service you will receive. The company is a consistently popular choice for Missouri homeowners due to its community-based approach to conducting business.

AmFam allows customers to easily customize their homeowners insurance policy by offering add-on options for home offices, daycares, and studios as well as sewer backup coverage and identity theft protection.

To help you save on your premium, American Family offers discounts right off the bat to new customers with a claims-free history as well as to loyal AmFam customers who have consistently 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 over 30% on your Missouri homeowners insurance policy premium.

Liberty Mutual

Liberty Mutual is one of the best choices for affordable homeowners insurance in Missouri. The company’s affordable rates are supplemented with multiple savings opportunities: Customers who bundle multiple insurance policies, install security devices, purchase 100% 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 their 14,000 participating employers, groups, and alumni associations.

In additional to being affordable, Liberty Mutual is also a good provider to have on your side in the event of a disaster. Filing a claim can easily be done online or on the phone via their claims hotline. While most providers offer a 24/7 claims phone line, Liberty Mutual goes one step further and 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 and vetted contractor in your area to carry out the immediate repairs necessary to make your home safe and livable.

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.

For more information and resources on all things insurance, visit our insurance archives here.