The Best Home Insurance in Missouri for 2023

The average cost of homeowners insurance in Missouri is $2,735 per year, or about $228 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

We’ve analyzed rates and companies across the state to find the best homeowners insurance in Missouri. Our sample rates are for a homeowner with good credit and $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Your rates will be different.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best homeowners insurance in Missouri

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

More about the best home insurance companies in Missouri

See more details about each company to help you decide which one is best for you.

As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

Learn more with our State Farm homeowners insurance review.

Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.

Learn more with our Farmers homeowners insurance review.

Founded in Madison, Wisconsin, American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.

Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.

Get more information in our American Family homeowners insurance review.

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Missouri homeowners can get a discount for using Notion smart devices to monitor their home for potential water leaks, fires and break-ins. When you buy the devices through Nationwide, you can get nearly 50% off the purchase price.

Learn more with our Nationwide homeowners insurance review.

USAA sells homeowners insurance to veterans, active-duty military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy new replacements for your stuff.

Learn more with our USAA homeowners insurance review.

How much does homeowners insurance cost in Missouri?

The average annual cost of home insurance in Missouri is $2,735. That’s 50% more than the national average of $1,820.

In most states, including Missouri, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Missouri, those with poor credit pay an average of $5,510 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s more than double the average of those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Missouri by city

How much you pay for homeowners insurance in Missouri depends on where you live. For instance, the average cost of home insurance in St. Louis is $2,615 per year, while homeowners in Kansas City pay $3,135 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Missouri

Here are the insurers we found with average annual rates below the Missouri average of $2,735.

» MORE: The cheapest homeowners insurance

What to know about Missouri homeowners insurance

Whether you’re a first-time home buyer or looking to renew your homeowners insurance policy in Missouri, here are a few risks you will want to consider.

Winter weather

Missouri can see severe winter weather, which brings the risk of significant damage, like collapsed roofs from the weight of ice or snow or burst pipes from freezing temperatures. A standard homeowners policy will cover most damage from winter storms.

However, you should carefully review the coverage in your policy because some types of winter weather damage may require extra coverage. If you have flood damage caused by snowmelt, you’ll typically need a separate flood insurance policy. Damage caused by negligence, such as frozen pipes if you fail to keep your heat at an adequate temperature while you’re out of town, may also not be covered.

Flooding

Missouri is susceptible to flooding, which is considered its deadliest severe weather hazard. In addition to the risk to life, flooding can cause significant property damage. Standard homeowners insurance policies typically don't cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water damage.

To find out whether you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.

Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.

» MORE: Why you might want flood insurance — even if it’s not required

Earthquakes

Although Missouri isn't known for frequent earthquakes, it lies near the New Madrid Seismic Zone, which has seen significant seismic activity in the past, as well as ongoing smaller seismic events. Standard homeowners insurance policies don't typically cover structural damage due to an earthquake. However, you may have some coverage for related damage. For example, if a gas line dislodged by the earthquake starts a fire, that may be covered. Review your policy carefully, and if you live in an area with higher risk, consider purchasing additional earthquake insurance.

When purchasing earthquake insurance, pay attention to the deductibles so you know the potential out-of-pocket costs. Your earthquake insurance often has a separate deductible, which can be around 20% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you must pay a $40,000 deductible for earthquake damage before your insurance kicks in.

Tornadoes and high wind

Missouri is no stranger to tornadoes and storms with high winds. These can cause significant damage to properties, such as roof damage, broken windows or structural issues.

A standard homeowners insurance policy often includes wind damage, but make sure to review your policy because you may have a separate wind deductible. This can be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Wildfires

While less common than some of the other perils mentioned, wildfire can still be a hazard for Missouri homeowners. Homeowners insurance typically covers damage from fires, but it's important to review your policy to ensure you have enough coverage in case of wildfires.

Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your home, so talk with your insurer to ensure you have enough coverage to rebuild if necessary.

» MORE: Home insurance calculator: Estimate your rate

Missouri insurance department

In Missouri, the Department of Insurance oversees the state’s insurance industry. Its website provides helpful resources about insurance and has information about how to file a complaint against your insurance company.

If you have questions or need assistance resolving a complaint with your insurer, call the Division of Consumer Affairs at 800-726-7390 from 8 a.m. to 5 p.m. Mondays through Fridays. You can also file a complaint online using the Consumer Complaint Form or by mail or fax.

Looking for more insurance in Missouri?

• Cheapest car insurance in Missouri.

• Kansas City car insurance.

• St. Louis car insurance.

Amanda Shapland contributed to this story.