Best and Cheapest Home Insurance in Missouri

The best home insurance policy is one that strikes the right balance of affordability, reliability and coverage. To help homeowners in Missouri find the best home insurance, we gathered hundreds of quotes from across the state and evaluated the top home insurers in Missouri.

Best cheap home insurance in Missouri

Cheapest options for homeowners insurance in Missouri

We collected thousands of home insurance quotes across Missouri to find which insurance company offers the lowest price in the state.

The average cost of homeowners insurance in Missouri is $1,492 per year. That's $3 per year less than the national average.

Missouri homeowners should consider comparing quotes from Nationwide as well. A policy from the company only costs $6 per month more than one from Allstate, the cheapest insurer.

Best homeowners insurance companies in Missouri

We performed an in-depth review of the top homeowners insurance companies in Missouri, analyzing their prices, coverage options, customer service and more to find the best home insurance company for Missouri homeowners with a variety of different needs.

Best for most people: Allstate

We recommend Allstate for Missouri homeowners focused on finding the best home insurance rates. Allstate offers a very low average cost of $896 per year in Missouri. That's 40% less expensive than the statewide average.

Allstate also offers a good home and auto insurance bundle to its customers. The company claims customers can save up to 25% by bundling their policies.

However, Allstate's customer service isn't as good as other Missouri insurers. It has a 3.07 Complaint Index from the National Association of Insurance Commissioners (NAIC), meaning that it gets three times more complaints than average based on its size.

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Best-rated insurer: Shelter Insurance

Missouri homeowners looking for great customer service should get a quote from Shelter. The company gets only 25% as many complaints as would be expected for an insurer of its size, according to the NAIC. Shelter also provides a surprising variety of coverages for a smaller insurance company, such as debris removal, inflation protection and dock protection.

Shelter's home insurance rates are some of the highest in Missouri, and the company's online tools are somewhat limited. At $1,789 per year, a policy costs $297 more per year than the statewide average. However, it's important to have an insurance company you can count on if you have to file a claim, so the extra cost may be worthwhile for homeowners who value peace of mind.

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Best for military families: USAA

USAA is the best homeowners insurer for members of the military and their families in Missouri. It has affordable rates and great customer service, alongside a few special coverage options that should be particularly appealing to people in the military. For example, USAA covers your personal property even if you're in a war zone, which most insurers don't cover — an important consideration for soldiers on active duty.

The average rate from USAA is $1,468 per year, or $24 per year cheaper than the typical price in Missouri. The biggest drawback to USAA is its eligibility requirements. In order to buy insurance from USAA, you have to have served in the military, or you must be the immediate family member (spouse or dependent) of someone who has had USAA insurance.

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Missouri homeowners insurance rates by city

The average cost of homeowners insurance varies by as much as $443 per year depending on where in Missouri you live.

Best-reviewed homeowners insurance companies in Missouri

We rated homeowners insurance companies based on their NAIC Complaint Index scores, J.D. Power's annual customer satisfaction study and our own ValuePenguin editor's ratings.

Most common home insurance perils in Missouri

Like other states in the Midwest, Missouri's most common regional insurance perils relate to seasonal storms: thunderstorms and tornadoes in the summer, and snowstorms in the winter. Damage from some of these weather events is covered by standard home insurance policies, but coverage for some types of damage requires a separate policy or endorsement.

Is wind damage from tornadoes covered by home insurance?

Tornadoes are a common occurrence in Missouri — it had 50 tornadoes in 2021, according to the National Weather Service. Wind damage from tornadoes and other storms is usually covered by home insurance. Wind is one of the home insurance perils that almost all policies cover, and you're protected whether it tears shingles off your roof, breaks windows or knocks a tree onto your house.

Is snow damage covered by home insurance?

During the winter, one of the more common sources of damage to Missouri homes is snowstorms. The most common ways winter weather damages homes are heavy snowfall on roofs and ice cracking gutters.

Snow damage is typically covered by homeowners insurance. This also includes collapsing trees. The only exception is if the damage is due to negligence on your part: for example, if snow causes roof damage after you've neglected to make necessary repairs.

Is flood damage covered by home insurance?

Flooding isn't as common in Missouri as it is in coastal states, but damage may still be a concern for homeowners who live near major rivers, like the Mississippi or Missouri.

There are two types of flood insurance: policies sold through the National Flood Insurance Program (NFIP), which is backed by the federal government, and policies sold by private insurers. Both are usually sold through private companies.

The most important differences are that you can't be rejected for an NFIP flood policy due to high risk, but a private policy may offer more flexibility when it comes to coverage limits and rates. Private flood insurance policies also generally have a shorter waiting period than the 30 days you're required to wait for NFIP flood insurance.

Methodology

We collected thousands of home insurance from eight of the top insurance companies in Missouri, across every ZIP code in the state. Our sample home was built in 1976, with $157,200 of dwelling coverage.

The insurance companies we surveyed are:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We determined customer service ratings by analyzing data from the National Association of Insurance Commissioners (NAIC) Complaint Index, J.D. Power's 2021 home insurance customer satisfaction survey and our own ValuePenguin editor's ratings.