The best homeowners insurance Missouri offers pays for the roof after the hail that crosses the state most springs, settles a tornado claim on replacement cost, and writes the brick housing of St. Louis and the older neighbourhoods of Kansas City fairly. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What the best carrier for a Missouri house has to do
Replacement cost on hail-damaged roofs rather than a depreciation schedule, clear wind and hail deductibles, water backup as standard, fair underwriting of older brick and frame housing, and pricing from Missouri experience rather than a Plains blanket.
The Missouri perils and how the good carriers handle them
Hail and tornadoes, straight-line wind, freeze and burst pipes, ice storms, and river flooding along the Missouri and the Mississippi, which is never in the homeowners policy. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
How to judge them for your house
Check the complaint ratio at the Missouri Department of Commerce and Insurance, the financial strength rating and the filed rates on this site for your county; quote three carriers on the same dwelling limit and wind and hail deductible.
Questions people ask about best homeowners insurance missouri
Who has the best homeowners insurance in Missouri?
This site publishes no ranking. Judge the complaint ratio at the Missouri insurance department, financial strength, the filed rates for your situation on this site and the settlement terms on the declarations page.
What should a Missouri homeowners policy include?
A dwelling limit at rebuild cost, replacement cost on the roof and contents, the deductibles named above set where you can meet them, and water backup where the house needs it.
Is flood included?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.