The right home insurance policy can help to protect your investment in your home. But finding the best policy can be tricky, especially when you’re new to homeownership and are just starting to understand the ins and outs of how insurance works.
That’s why we’ve included some of the key information that you need to know when you shop for home insurance in Missouri. This overview can help you to find the policy that’s right for your coverage needs and your budget.
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The average cost of home insurance in Missouri is $1,769 per year for $250,000 of dwelling coverage. That rate is about $300 higher than the national average home insurance rate of $1,428 per year. Home insurance in Missouri costs more than the national average because of the state’s weather, including tornadoes and storms, which can cause significant damage.
While the state’s average insurance cost gives you a rough idea of what you’ll pay, costs can vary depending on where in the state you live, too. Locations that have higher crime rates or that are an increased risk of severe weather usually have higher insurance rates. Home insurance rates tend to be lower in areas with less risk.
Missouri City | Average Cost of Home Insurance Per Year |
Lake Saint Louis | $1,570 |
Saint Charles | $1,572 |
Foristell | $1,576 |
Noel | $2,000 |
South West City | $2,009 |
Other factors, like your home’s age, its value, and how far away the fire station is located, can also impact your rates. Since insurance rates vary so much, getting a personalized quote will give you the most accurate idea of what you will pay for insurance. You can get free home insurance quotes in Missouri from ConsumerCoverage and start exploring your options today.
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When shopping for home insurance in Missouri, look for discounts, like discounts for insuring your home and vehicle through the same company. Choosing a high deductible plan can also help to keep your premiums down, but make sure that you’re prepared to pay that higher deductible if you have to file a claim.
Shopping around and comparing quotes can also help you to save money. Request a free homeowners insurance quote from ConsumerCoverage today to get started and find the right policy for you.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
