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Missouri Home Insurance: Costs, Coverage and How to Save
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Missouri has been affected by 120 weather disasters since 1980, making it one of the most storm-battered states in the country. From tornadoes and hailstorms to river flooding and earthquake risk, Missouri homeowners face a uniquely wide range of threats that can drive up insurance costs.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Missouri homeowners pay right now
Home insurance costs in Missouri vary widely based on your home’s age, rebuild cost and location, along with your claims history and exposure to threats like tornadoes, hail and flooding. Homeowners in Kansas City and Springfield may see different rates than those in rural parts of the state due to varying storm and crime risk.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find competitive prices and strong coverage, regardless of those factors. Here are some recent examples of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Home insurance rates in Missouri depend on factors like tornado risk, hail exposure, your home’s age and local flood zones, but comparing quotes can help you save.
Mix and match home and car insurance with Jerry
Bundling discounts typically range from 5%-25%, depending on the insurer. But bundling your car insurance with the same home carrier isn’t always the cheapest option overall. Sometimes exploring different carrier combinations can cost less. Over the past year, customers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Missouri
There’s no single “best” home insurance company in Missouri. It depends on your home, your budget and what kind of coverage you need. For example, homeowners in tornado-prone areas around Joplin or the Ozarks may prioritize strong wind and storm coverage, while those in the St. Louis metro may focus on hail protection and earthquake endorsements.
That said, our data shows some clear trends among Missouri homeowners. Here are the most popular home insurance companies Jerry customers pick:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why the variety? Missouri homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process after a tornado or hailstorm, and others look for strong digital tools or local agent support.
Also check: The best car insurance in Missouri
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Missouri
From tornado touchdowns to river flooding, where you live and what you own in Missouri plays a big role in what you pay. Here’s what stands out most and how to stay protected.
🌪️ Tornadoes
Missouri sits squarely in Tornado Alley, and severe tornadoes can cause devastating damage in a matter of minutes. Insurers factor tornado frequency and your home’s proximity to high-risk areas into your premium. Homes with impact-resistant roofing or storm shelters may qualify for lower rates.
🪨 Hailstorms
Hail is a common cause of home insurance claims in Missouri. Severe storms, many of which bring damaging hail, account for many of the state’s disaster events since 1980, according to NOAA. Golf ball-sized and even baseball-sized hail can shatter windows, dent siding and destroy roofs. Insurers in Missouri pay close attention to your roof’s age, material and condition when setting your rate.
🌊 Flooding
Missouri’s position at the confluence of the Mississippi and Missouri rivers makes flooding a persistent threat. Flash flooding from heavy summer thunderstorms is also common across the state. Standard home insurance does not cover flood damage, so homeowners in flood-prone areas should consider a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
🌍 Earthquake risk
Missouri is at risk of a significant earthquake due to sitting on top of the New Madrid Seismic Zone, which runs through the southeastern part of the state. Scientists estimate there is a 25-40% chance of a magnitude 6.0 or greater earthquake occurring in the next 50 years according to the USGS, and The Department of Commerce & Insurance has encouraged Missouri residents to prepare their homes for potential earthquake damage. Standard homeowners policies do not cover earthquake damage, so homeowners should consider adding an earthquake endorsement or purchasing a separate policy.
❄️ Winter storms and ice
Missouri winters bring ice storms, heavy snow and freezing temperatures that can cause roof damage, burst pipes and downed trees. Ice storms are especially common in the central and northern parts of the state and can lead to prolonged power outages and significant property damage. Insurers may factor your home’s heating system, roof condition and pipe insulation into your rate.
Key takeaway: Missouri’s wide range of risks, from tornadoes and hail to earthquake exposure and river flooding, all factor into your rate. Knowing what your area faces helps you pick the right coverage.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Missouri homeowners, choosing the right coverage levels can save you money while making sure you’re protected when it counts.
Dwelling coverage is the core of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by things like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost as calculated by your insurer, not its market value. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Missouri homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance in Missouri
Bundling your home policy with the cheapest car insurance in Missouri is one of the most effective ways to lower your premium, but it’s not the only one. Missouri homeowners have several options to reduce costs without cutting coverage. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer weighs Missouri’s storm, hail and earthquake risks differently, which means the same home insurance policy can cost hundreds less depending on who you’re with. Comparing quotes side-by-side with Jerry is the fastest, most effective way to find a better rate.
Recent quotes
Why it matters: Location matters, and two homeowners in Missouri with similar homes can still pay very different rates. Jerry shows you quotes side-by-side to help you find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying in full to getting security system credits, most homeowners qualify for at least a few discounts, and stacking them could add up to some serious savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Missouri home insurance discounts:
💨 Wind mitigation discount
In a state with as much tornado and hail activity as Missouri, roof upgrades, storm shutters and reinforced connections can earn significant credits. Some carriers offer savings of up to 15% or more for homes with impact-resistant roofing materials or reinforced garage doors.
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🆕 New home discount
Newer homes built to current building codes are more resistant to storm damage and less likely to have costly claims. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year you’re with an insurance company.
🏆 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%. Missouri law also prohibits insurers from increasing your premium based on weather-related claims, which is good news given how frequently storms hit the state.
🔧 Home renovation discount
Updated your electrical, plumbing or heating systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage. This is especially valuable for Missouri’s many older homes in St. Louis, Kansas City and smaller towns.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But still, it never hurts to shop around when your policy is up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
Key takeaway: Most homeowners qualify for multiple discounts, from bundling and wind mitigation to claims-free credits. But insurers don’t always apply them automatically. However, Jerry can help you find all discounts you’re eligible for to maximize your savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible, the amount you pay out of pocket before insurance kicks in, has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
Here’s how to find the right balance:
- Check what you can afford out of pocket. If a $2,000 expense after a storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Consider how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see how it affects your home insurance costs.
Jerry Agent Tip 4: Improve your credit score
In Missouri, insurers can use credit-based insurance scores to help set your premium. However, Missouri law does not allow insurers to take adverse action based solely on your credit, and must consider other factors alongside your insurance score. Still, homeowners with good or excellent credit often save hundreds compared to those with fair or poor credit.
To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Building your credit score could take some time, but most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.
If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which carriers offer the best rates for your situation.
Key takeaway: The better your credit score, the lower your premium typically will be. But regardless of your credit history, shopping around with Jerry can help you find a competitive rate.
Compare home + car bundles in one place, all online.
FAQ
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💰 How much is homeowners insurance in Missouri?
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🌪️ Does homeowners insurance cover tornado damage in Missouri?
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🌍 Do I need earthquake insurance in Missouri?
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🌊 Do I need flood insurance in Missouri?
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🏠 Is homeowners insurance required in Missouri?
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⛈️ Can my insurer drop me after a weather-related claim in Missouri?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.