Property insurance in Missouri will replace both your home and belongings. It also includes liability insurance against injuries or property damage caused by family members or household pets. Property insurance will also cover temporary living expenses while you live away from home because of a natural disaster.

Property insurance in Missouri provides protection against fire, hail and lightning in addition to other natural disasters that are specified in the policy. However, you will need a separate policy for earthquakes and floods which are normally not covered by a standard home insurance policy. Missouri home insurance rates will not cover losses caused by poor maintenance.

There are three key points that will affect the cost of property insurance in MO:

1. The location of the property may require additional property insurance. Missouri properties should also be protected against ice, sleet and snow.
2. Effective loss-control measures can control the premium charged by Missouri property insurance providers. This most commonly refers to an alarm system.
3. Home insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.
   

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Missouri homeowners insurance

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Complete the form for your home at Insure.com to get quotes for property insurance. Missouri residents can go to insurehome.net and enter a zip code to start a search for house insurance quotes.

Find MO property insurance brokers who represent major carriers

Locate a Missouri home insurance quote through an agency. The agency represents a major carrier in the state and can make a recommendation based on the specific needs of your situation.

I recommend: Nationwide has agents throughout the country and has an agent search capability by name or location. Safeco Insurance provides a range of property insurance and allows you to locate agents within a given area.

Get homeowners insurance in Missouri from a local agent

Contact Missouri property insurance companies rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you. This method allows you greater flexibility and control over your home insurance needs.

I recommend: The Jenkins & James Insurance Agency provides a full range of insurance services in Missouri and represents many major service providers. The Summerville Insurance Agency services only Missouri residents and specializes in discount insurance packages.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  A Missouri home insurance quote will include the replacement cost of the contents of your house up to a specified percentage of the value of your home. You should conduct a home inventory to determine if replacement cost for the contents of your home exceeds this value. If you have a substantial amount of number of belongings outside of your home, you should consider off-premises coverage.