Consider purchasing Missouri homeowners insurance to safeguard your home from damage and losses. Standard homeowners insurance covers your home, any other structures on the property, and your personal belongings from a range of perils including theft, fire, and water damage.
Best Homes Insurance in Missouri: Allstate, USAA and Liberty Mutual
If your budget allows it, you should shop around for the best deal on homeowners insurance. Protecting your most precious asset requires the right homeowners insurance.
A good company should offer a balance of affordability, quality service, financial stability and a strong claims rating. MoneyGeek has analyzed thousands quotes to identify the Missouri homeowners insurance companies that provide these factors.
Allstate, USAA, and Liberty Mutual are the best home insurers in Missouri based on customer ratings, savings from deductibles, and coverage options. These companies also provide educational resources, as well as discounts to new homeowners and customers who switch policies.
Missouri Costs & Insurance Issues
Your location, your age, and your credit rating will all affect the cost of your homeowners insurance. Some people may pay more if they live in a high risk area, like a tornado-belt or a city that has a higher crime rate.
You should also check your state's insurance requirements. Some states mandate that homeowners purchase specific types of coverage such as flood or earthquake insurance. If your state requires you to purchase a separate policy, that's another reason to shop around for the right deal.
The age and condition of your home can also affect the cost of insurance. The cost of insurance can be affected by the age and condition of your home.
Consider adding extra coverage to your homeowner's policy if you live in a region prone to natural disasters or tornadoes. These policies can help protect your home from damage and losses caused by tornadoes, landslides, earthquakes and other storm-related perils.
The following are some other insurances you might want to purchase:
Other structures in your yard that aren’t attached to the house (garages sheds etc.). These are usually covered by a separate insurance policy. This coverage is crucial to replace any buildings that have been destroyed or damaged by a storm.
You may choose to cover yourself with one of the following options, depending on your circumstances and preferences:
Full Replacement Cost
This option will pay for your home's rebuilding costs following a major loss. This option can be especially useful if your home is being rebuilt after a major catastrophe.
Extended Coverage
It is useful to those who have built additions such as a hot-tub or swimming pool. This coverage can also cover the replacement cost for your items in case they are lost or stolen.
As an alternative to the standard coverages you can purchase a number of add-ons. Some popular additions to your Missouri homeowners policy include:
A Zero Deductible Benefit
Many insurance companies provide a no-deductible option that will save you significant money in case of an accident. This can help you lower your annual homeowners’ insurance rates. But make sure to understand how it works.