Missouri Homeowners Insurance

Homeowners Insurance in Missouri

Missouri homeowners insurance is important because the “Show-Me State” is vulnerable to natural disasters like severe storms and tornadoes.²It doesn't matter if you live in Kansas City, St. Louis, Springfield, Independence or Columbia, having homeowners insurance in Missouri helps protect your home and personal property from damages.**

Standard MO Homeowners Insurance Coverages

MO homeowners insurance comes with standard coverages to help protect Missouri homes from different risks. At The Hartford, we strive to provide policies that will give you the protection you need. Our standard coverages for your Missouri home insurance includes:

Personal property coverage to help protect your belongings from damages.** If you file a claim, your Missouri home policy can help fix or replace your damaged property.

Personal liability coverage to help protect you from claims alleging bodily injury or property damage. This coverage can help pay for damages you’re held liable for from a covered loss.

Dwelling coverage to help protect your home and the structures attached to it, including your plumbing system, walls and staircases.

Other structures coverage to help protect buildings on your property not attached to your house. This can help cover your repair costs if a tree falls down on your garage during a storm.

Medical payments coverage to help pay another person’s bills if they get hurt on your property.³

Loss of use coverage helps cover your living expenses if you can’t live in your home because it’s damaged.**

ProtectorPLUS Zero Deductible Benefit to waive up to $5,000 off your base policy deductible if there’s $27,500 or more in damages to your home.

Additional Missouri Homeowners Insurance Coverages

Every homeowner has unique needs. We make it easy for you to customize your Missouri homeowners insurance.

Some optional coverages you can add to help protect your Missouri home are:

Full Replacement Cost to help cover your full rebuild cost if your home is a total loss up to 125% of your coverage limits. In some states, this can cover rebuild costs if your home’s total loss is up to 150% of your coverage limits.
Water Backup and Sump Pump Overflow⁴to help protect your property from getting damaged by backed up or excess water. This coverage doesn’t pay for damages from flood or surface water. It also doesn’t cover normal wear and tear.

If you’re not sure which optional coverage to get, take a look at the packages we offer. They can help take the guesswork out of picking insurance coverages for your Missouri home policy.

Home Advantage Package is a good choice if you need more protection for certain coverages on top of your base policy.⁵ This package includes:

Identity Fraud Expense Coverage to help you recover from fraud or identity theft by compensating up to $25,000 in out-of-pocket expenses.
Personal Injury Liability Coverage to help cover damages from a libel or slander claim.
Reimbursement for Replacing Locks if you lose your keys or they’re stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
“New for Old” Protection^‡ to help replace your destroyed property with brand new ones of the same quality.

Home Advantage Plus is our most popular package and includes all the features of Home Advantage,⁶ plus:

Equipment Breakdown Coverage to help cover mechanical or electrical breakdowns in your home for appliances and other items like your heating. However, normal wear and tear is not included in this coverage.
Disappearing Property Deductible^‡‡, which reduces your deductible by $50 for every three years you go without an insurance loss. This means you can get your deductible down to $0.⁷
Increased identity fraud coverage to cover up to $50,000 of out-of-pocket expenses to help you recover from fraud.

Be aware that your standard Missouri homeowners insurance policy likely doesn’t cover floods. So, if a storm causes flooding on your property and it damages your home, your home insurance won’t cover it. You’ll need separate flood insurance to cover these insurance claims.

Homeowners Insurance Missouri & Earthquakes

Small earthquakes occur almost every day in Missouri.⁸ If an earthquake hits and damages your home, your policy probably won’t help. That’s because homeowners insurance in Missouri doesn’t include earthquake coverage. However, you can add an endorsement to your policy to help protect your home from earthquake damage.

What Is the Average Cost of Home Insurance in Missouri?

When it comes to the average cost of home insurance, Missouri residents paid $1,285 in 2017, which was a little higher than the national average of $1,211. Take a look at how average premiums have changed in the last three years:

Year	Missouri Average Homeowners Insurance Cost	National Average Homeowners Insurance Cost
2017	$1,285	$1,211
2016	$1,280	$1,192
2015	$1,253	$1,173

Year

Missouri Average Homeowners Insurance Cost

National Average Homeowners Insurance Cost

2017

$1,285

$1,211

2016

$1,280

$1,192

2015

$1,253

$1,173

Be aware that different factors impact insurance premiums like your zip code and the size of your home. So, you likely won’t pay the same rate as your neighbor and your cost may be lower or higher than the national average.

For a personalized rate, get a home insurance quote today.

Tips for Shopping for Missouri Homeowners Insurance

The average homeowners insurance rates continue to increase over the years. Remember that your Missouri home insurance rate may be higher or lower than the national average and that your insurance costs are unique to your Missouri home.

If you’re looking for homeowners insurance, be sure to:

Shop around for homeowners insurance quotes from different insurance companies. Prices and coverage vary with each homeowners insurance company.
Research insurance ratings from different companies to get an idea of what their customers think.
Review policy details and coverage levels to see what’s covered and what your coverage limits are.
Check for discount opportunities which may be available if you bundle different insurance policies with the same insurance carrier.

Inventorying Your Rooms & Property

Make sure you’re getting the most from your homeowners insurance. Missouri residents should review and update their home inventory once a year. This inventory list should include details of all of your personal property. If you don’t have one, review Missouri’s home inventory checklist to see how easy it is to create one. Start by taking notes of everything you have and be as detailed as possible.

Choose one room to cover first, then go room by room to make things more manageable.
Record the specifics of each item, including serial numbers, model numbers and purchase date and price.
Take photos of each item so you can see what the item looked like before any damages.

We can help get you the right coverage to protect your home. Our team consistently gets high marks for customer service and helps our customers find ways to save. Speak with one of them today by calling 877-422-2345 or get your home insurance quote online to find out how much your Missouri homeowners insurance will be.

^‡Some benefits such as Reimbursement for Lock Replacement are only available with the Optional Home Advantage Plus package. A policy without these added benefits is also available.

² Missouri Department of Public Safety State Emergency Management Agency, “Declared Disasters in Missouri”

³ Medical benefits are calculated on the basis of usual, customary and reasonable charges.

⁴ Does not provide coverage for water damage caused by direct or indirect flooding. Also does not provide coverage for water backup of sewers or drain, or overflow or discharge of a sump pump if it’s caused by flooding.

⁵This package is ideal for customers who want extra protection, above their base policy, for certain coverages such as: Replacement Cost Contents Coverage, Personal Injury Protection, and ID Fraud Expense Coverage.

⁶ Our most popular package, Home Advantage Plus includes all the features of Home Advantage, plus extra benefits such as the Disappearing Property Deductible^†† and Equipment Protection Advantage.

⁷ Responsible homeowners deserve to be rewarded. If you have no homeowners claims in the past three years, The Hartford will lower your property insurance deductible by $50. Then, we’ll lower it another $50 after each year without a claim – until your property deductible reaches zero. This reduction of deductible does not apply to Mine Subsidence and Equipment Breakdown coverage.

⁸ Missouri Department of Natural Resources, “Earthquakes in Missouri”