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Missouri Home Insurance

Missouri can be a tricky state for residents seeking home insurance.  Before you buy your Missouri home insurance policy, it is important to learn all you can in order to get the best coverage at the best possible price.  Insurance-Rates-Online is glad to help you with that process.

Five Types of Missouri Home Insurance Policies

Missouri Homeowners have a choice between five types of policies, depending on their type of residence and personal budget.

If you own a home, your choices are:
Homeowners Broad Form (HO-2), which covers a specific list of perils including fire, lightning, windstorm or hail, aircraft or vehicle, explosion, riot or civil commotion, vandalism or malicious mischief, theft, falling objects, weight of ice, snow, or sleet, freezing, sudden or accidental tearing apart, cracking, burning, bulging or artificially generated electrical current, and volcanic eruption.

Homeowners Special Form (HO-3) provides coverage against all perils except specifically named risks, such as flood, earthquake, neglect, war, and nuclear explosion.  Some providers have added additional exclusions to this policy, so make sure you know the list prior to purchase.  This version also includes coverage of personal property.

Homeowners Actual Cash Value (HO-8) is ideal for individuals or families with older homes that would be too expensive to replace.  Repairs would be made using commonly used materials.

Special Homeowners Policy For Renters Contents (HO-4) is appropriate whether you are renting a home or an apartment.  This type of policy covers personal property and household contents, as well as some liability protection, medical payments and loss of use expenses.

Homeowners Condominium Policy (HO-6) is designed for condo owners and includes all the coverage listed in the Broad form policy, plus personal property, personal liability and medical payments coverage.  Condominium owners must confirm that this policy includes the necessary provisions to cover risks not insured by their condo association.

Additional Missouri Insurance Coverage

As you consider home insurance in Missouri, consider upgrading your coverage to guaranteed replacement cost coverage, which would fully replace your home or contents in case of loss or damage.  If you own expensive personal property, like cameras or a stamp collection, purchase special coverage on these items as well since their value is most likely outside the scope of your personal property limits. 

Missouri specifically identifies purchasing earthquake insurance on the Department of Insurance website.  Since this is highly unlikely, it’s cost should be minimal, but since it is possible, at least ask about it when comparing policies.

Select areas of Missouri are also in flood plains, but normal insurance policies do not cover flood damage.  Residents living in those areas must contact the National Flood Insurance Program for coverage.

Items Affecting Missouri Homeowners Insurance Rates

As Missouri home insurance companies calculate quotes, they take several items into consideration, including:
  • Location of the home
  • Access to fire protection, such as the number of hydrants nearby, the water supply, and the distance to the nearest fire station
  • Structure and age of the home (brick, wood, roof type, etc.)
  • Number of past claims
  • Credit score

Since 2002 Missouri home insurance providers have been frequently cancelling policies after a single claim, once it has been paid.  If your insurance company does this to you, they must give you thirty days notice.  Fortunately, state law prevents Missouri insurers from denying a new insurance policy because of prior cancellation or non-renewal.

Finding the Best Home Insurance Prices

There are many ways to reduce the cost of homeowners insurance.  In Missouri the best ways to do so include starting with the highest deductible you can safely afford; the higher the deductible, the lower the rates.  Keep your credit rating strong; although you cannot be denied Missouri home insurance solely on the basis of your credit score, it is a critical factor in determining your rates.  Finally study the policy’s inclusions and exclusions to make sure that you have the coverage you need to return your life to normal should something happen.

More Information

For more information contact the Missouri Department of Insurance at 800-726-7390 or visit

Choosing The Right Policy

Now that you know the facts about choosing home insurance in Missouri, it’s time to start saving money on your coverage now.  Once you enter your zip code in the box, you’ll be shown a list of insurance companies offering coverage in your area.  Pick out three to four which look like the best fit, and ask for quotes.  In no time you and your family will be safe and protected. 

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