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Missouri Home Insurance

Missouri home insurance provides the necessary property damage coverage for your home. The basic policy, known as the HO-2 policy, carries coverage for most perils, including fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The more popular HO-3 policy offers bodily injury liability for your property, as well as additional property damage coverage. When you buy a home with a mortgage lender’s help, they usually require Missouri home insurance for the duration of the loan.

Missouri Home Insurance Coverage

The many perils evident in Missouri are probably covered by your basic policy. The damage wrought by a heavy storm, falling objects, and the like, would likely be covered under the HO-3 policy, but you may need to review the “exclusions” section of your policy to see the limitations. Many homeowners do not realize that their policy does not cover flood damage. Homeowners need to purchase additional flood insurance to provide flood damage coverage.

Missouri Home Insurance Rates

The rates for Missouri homeowners insurance can vary from county to county, city to city, and insurance company to insurance company. In Columbia, Missouri a regular HO-3 policy on a $100,000 would cost $427 through one insurer. The same coverage on the same house would cost $805 through another insurer. If you shop around, you can find a deal from company to company. In some cases, where a city has a history of tornado damage, the Missouri home insurance rates can be higher. It is always a good idea to shop around.

Saving Money

If you want to reduce your Missouri homeowners insurance rate, you can do some basic things to your home. When you live in a heavy storm area, you can install storm shutters, reinforce your roof, and replace existing roof materials with stronger shingles to receive a discount from your Missouri home insurance providers. The majority of insurance companies offer a discount when you purchase more than one insurance policy through them. You may consider purchasing your home and auto policies from the same company to receive this discount. Of course as we saw above, you can receive deep discounts by simply shopping around before buying your Missouri home insurance.

Missouri Department of Insurance

301 West High Street, Room 530
Jefferson City, MO 65101


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