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2019 Guide: Best Homeowners Insurance Companies in Missouri

Missouri homeowners can get get insurance coverage from some of the top dogs in the industry or more regional providers. Consider what coverage you may need (renters, earthquake, etc.) before getting a quote. Shelter and State Farm are among the top homeowners insurance companies in Missouri.
Missouri homeowners can get get insurance coverage from some of the top dogs in the industry or more regional providers. Consider what coverage you may need (renters, earthquake, etc.) before getting a quote. Shelter and State Farm are among the top homeowners insurance companies in Missouri.

As you shop for home loans in Missouri, you may start to wonder about homeowners insurance. Missouri lenders often require that borrowers have insurance just in case disasters hit the home or accidents happen within the home. Homeowners insurance covers more than you might think; in addition to rebuilding or renovating, homeowners insurance covers possessions within the home.

Not all homeowners insurance is the same; some plans may cover more possessions while others cover extra costs that weren’t initially calculated by the insurance company. Get to know the top homeowners insurance companies in Missouri and how they can protect your new home.

Top 5 Homeowners Insurance Providers in Missouri

Shelter Insurance

J.D. Power Overall Satisfaction Score: ⅘

A.M. Best Financial Rating: A

Shelter Insurance is not a big player in the insurance game, but it still covers strong coverage for homes in 15 states throughout the mid-west. They offer earthquake protection and various plans for Missouri residents who have summer houses.

Since Shelter Insurance is not the biggest insurance company, they might be a little pricier and offer fewer discounts. However, the extra coverage and its reputation for strong customer service may just be worth a few extra dollars a month.

Curious about Shelter Insurance? Request a free online quote to get started.

State Farm

J.D. Power Overall Satisfaction Score: ⅘

A.M. Best Financial Rating: A

You’ve heard of State Farm before. State Farm offers wide coverage and isn’t afraid to give out discounts. In fact, when you search for online quotes, State Farm Discount Double Check will make sure you apply for every discount that you can get. Customers also rate State Farm’s customer service as one of the best in the game. Jake from State Farm is always waiting to take your call, even in the middle of the night.

Even if you have an insurance company in mind, we recommend that you get an online quote from State Farm. If you are eligible for one type of discount that shows up in the Discount Double Check, remember to ask about that discount when you choose an insurance policy. Plus, the website has a 360Value feature that gives you a good idea of the value of your home and the type of coverage that you should be asking for while you shop.

Curious about State Farm Insurance? Get an online quote.

American Family Insurance

J.D. Power Overall Satisfaction Score: ⅗

A.M. Best Financial Rating: A+

American Family Insurance is the best of both worlds for Missourians who want wide, reliable coverage that uses a small-town approach. Homeowners can still browse through a long list of discounts and add different options to their plans. If you are worried about earthquake insurance, you have the option of adding coverage onto your plan. Missourians can also add sinkhole protection to their plan.

American Family may take a few days to get back to customers with answers or information, but their A+ financial rating should be enough to settle your mind and know that all of your claims will be handled one way or the other.

Curious about American Family Insurance? Unfortunately, they don’t offer online quotes. Use the online calculator to get started and request information from American Family for more information about coverage.

Liberty Mutual

J.D. Power Overall Satisfaction Score: ⅗

A.M. Best Financial Rating: A

Liberty, Liberty, Liberty is another big player in the insurance game. The insurance company offers excellent customer service that includes a separate catastrophe response unit. Homeowners can get earthquake coverage that includes property damage protection. If you need alternate housing during repairs or rebuilding efforts, Liberty can help you find this accommodation.

If you are worried about whether or not you can get coverage for the possessions in your home, choose Liberty. Their Home Protection Plus package covers property damage by accidents or disasters - and covers up to their full value. Some insurance companies will take in the depreciation of your items over time, so you can basically guarantee that Liberty offers the highest coverage for your items.

Liberty Mutual offers fast online quotes for homeowners insurance, condo insurance, or bundles. Visit their website to find how much Missouri homeowners insurance with Liberty will cost you.

Additional Considerations Before You Commit to a Homeowners Insurance Carrier

Missouri homeowners may not need speciality homeowners insurance - unless they live near the New Madrid fault line or have a summer home in the Ozarks. If this applies to you, pay extra attention to the insurance companies that offer additional coverage.

How much is homeowners insurance? Missouri residents, on average, pay $1,253 for insurance. Know that this is just an average; your final quote is based on the size of your home, the area where your home is located, and a long list of other factors.

If you’re currently evaluating your options for homeowners insurance on your next property in Missouri, a good first step is to connect with an experienced, local real estate agent.

Agents can provide valuable guidance and advice on what kind of coverage you should be looking for, how much you’ll need given your property type and location, and make recommendations that can help you save on your monthly premium. They can also point you in the direction of quality insurance carriers and trustworthy local agencies or independent agents.

Fill out our online form to connect with a top-rated buyer's agent near you for a no-obligation, introductory call.

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Reuven Shechter

Reuven Shechter is the Outreach Coordinator at Clever Real Estate, the free online service that connects you with top real estate agents to help save on commission. He spreads the word about Clever, disseminating studies to journalists and developing relationships with media outlets. Reuven is passionate about investing in real estate and creating lasting success for families. His writing has been featured in Max Real Estate Exposure, Leverage Marketing, and more.

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