{"id":325178,"date":"2025-11-08T00:09:49","date_gmt":"2025-11-08T05:09:49","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96376"},"modified":"2025-11-08T00:09:49","modified_gmt":"2025-11-08T05:09:49","slug":"best-in-missouri","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-missouri\/","title":{"rendered":"The Best Missouri Homeowners Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance Companies in Missouri Review \"><\/span>\n    \n\n\n<h1 class=\"wp-block-heading\">The Best Homeowners Insurance Companies in Missouri<\/h1>\n\n\n\n<p>Missouri homeowners face elevated weather risk from severe convective storms (hail, straight-line winds, tornadoes), winter ice, flooding, and earthquake exposure from the New Madrid Seismic Zone. Those risks have contributed to higher premiums and tighter coverage terms statewide. Multiple consumer research sources place Missouri\u2019s typical 2025 homeowners premium in the mid\u2013$2,000s to around $3,000 for common coverage profiles, a notable increase compared with the state\u2019s most recent official 2022 average expenditure baseline from the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute (III)<\/a>. This trend aligns with the surge in U.S. billion\u2011dollar weather disasters documented by <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a> and broader insurance price inflation reflected in the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>.<\/p>\n\n\n\n<p>After reviewing current pricing benchmarks, financial strength, coverage flexibility, and service experience, we highlight Garrison Property and Casualty (part of the USAA group and available to the military community) alongside widely available options like State Farm, AAA (via local club partners), and American Family. State Farm and the USAA group consistently feature in national evaluations of the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance<\/a>. For up\u2011to\u2011date satisfaction comparisons, see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a> (USAA commonly appears but is not rank eligible).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Missouri<\/h2>\n\n\n\n<ul><li><strong><a href=\"#garrison\">Garrison Property and Casualty Insurance Company:<\/a> <\/strong>Best Overall<\/li><li><strong><a href=\"#aaa\">AAA<\/a>: <\/strong>Best For Bundling With Auto Insurance<\/li><li><strong><a href=\"#state\">State Farm<\/a>:<\/strong> Best Web Experience<\/li><li><strong><a href=\"#afi\">American Family Insurance<\/a>: <\/strong>Best For New Homebuyers<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Missouri\u2019s Top Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction**<\/strong><\/td><\/tr><tr><td>Garrison Property and Casualty Insurance Company (USAA subsidiary)<\/td><td>Statewide modeled average (MO HO-3): mid\u2013$2,000s to ~ $3,000*<\/td><td>A++***<\/td><td>Not rank eligible**<\/td><\/tr><tr><td>AAA<\/td><td>Statewide modeled average benchmark: see sources*<\/td><td>Varies by club\/underwriter; verify****<\/td><td>Varies by club\/region**<\/td><\/tr><tr><td>State Farm<\/td><td>Statewide modeled average benchmark: see sources*<\/td><td>A++<\/td><td>See 2025 study**<\/td><\/tr><tr><td>American Family Insurance<\/td><td>Statewide modeled average benchmark: see sources*<\/td><td>A<\/td><td>See 2025 study**<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em> Information current as of 2025.<\/em><\/p>\n\n\n\n<p><em>*Missouri averages reflect 2025 modeled statewide benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a> based on standardized profiles (typically ~$250,000\u2013$300,000 dwelling coverage and a $1,000 deductible). Actual premiums vary by ZIP code, roof age\/material, credit tier, loss history, and deductible choices.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a>, 1,000-point scale; USAA commonly appears but is not rank eligible. AAA satisfaction varies by local club and underwriting partner.<\/em><\/p>\n\n\n\n<p><em>***AM Best rating corresponds to the USAA group; eligibility is limited to the military community. See rating definitions at <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">AM Best<\/a>.<\/em><\/p>\n\n\n\n<p><em>****AAA-branded homeowners policies are written through regional clubs\/affiliates. Financial strength varies by underwriting company; verify current FSRs via the <a href=\"https:\/\/ratings.ambest.com\/\">AM Best Rating Center<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best Overall\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"garrison\">Garrison Property and Casualty<\/h2>\n\n\n\n<p>Garrison (part of the USAA group) stands out for financial strength and catastrophe-readiness, including options for earthquake endorsements in Missouri. Eligibility is generally limited to current and former military members and their families. Pricing reflects Missouri\u2019s elevated hail\/tornado exposure and roof characteristics, but many eligible households find strong value paired with highly regarded service and digital claims tools.<\/p>\n\n\n                                                \n\n\n<section id=\"garrison-property-&#038;-casualty\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Garrison Property &#038; Casualty<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Garrison is a subsidiary of USAA, a financially strong group serving the military community. Eligibility is limited to current and former service members and their families. For those who qualify, Garrison policies in Missouri pair broad coverage with competitive service, strong catastrophe support, and access to earthquake endorsements.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=344346-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See statewide modeled averages*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rank eligible (2025)**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Garrison is a subsidiary of USAA, a financially strong group serving the military community. Eligibility is limited to current and former service members and their families. For those who qualify, Garrison policies in Missouri pair broad coverage with competitive service, strong catastrophe support, and access to earthquake endorsements.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Earthquake coverage available via endorsement or stand-alone; strong catastrophe support<\/li>\n                            <li>Financially strong (USAA group) and well-rated claims experience<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Eligibility limited to military community (USAA membership rules apply)<\/li>\n                                    <li>Online access and quotes require USAA login<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Save 10% if you bundle with auto&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free 10% discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home security system discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features <\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Digital-first claims tools (photo\/video upload, virtual inspections) and proactive status updates are increasingly standard across top carriers; these features are associated with better property-claims satisfaction in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power\u2019s property claims research<\/a> and broader industry adoption of AI-assisted triage noted by <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/insurance-industry-outlook.html\">Deloitte<\/a>.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See 2025 statewide modeled benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a>; USAA appears but is not rank eligible.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Bundling with Auto \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"aaa\">AAA<\/h2>\n\n\n\n<p>The American Automobile Association (AAA) is a member organization; homeowners policies are offered through regional clubs and affiliated underwriters. Bundling home and auto can be price\u2011competitive in many Missouri ZIP codes, but rates, discounts, and even AM Best ratings vary by club and underwriting company. Digital service options and claims features differ by partner, so confirm specifics with your local AAA club.<\/p>\n\n\n                                                \n\n\n<section id=\"aaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">AAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Bundling with Auto<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                AAA membership is required, but bundling home and auto often unlocks competitive pricing and additional member perks. Depending on your local club and underwriting partner, you may also be able to add endorsements like equipment breakdown or water backup to customize your policy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316335-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$250k\u2013$300k Coverage A profiles: see 2025 sources*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by club\/underwriter**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                AAA membership is required, but bundling home and auto often unlocks competitive pricing and additional member perks. Depending on your local club and underwriting partner, you may also be able to add endorsements like equipment breakdown or water backup to customize your policy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Often competitive when bundling home and auto<\/li>\n                            <li>Local club discounts and benefits beyond insurance<\/li>\n                            <li>Optional add-ons to customize coverage<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Requires AAA membership first<\/li>\n                                    <li>You may need to place auto with AAA before accessing home<\/li>\n                                    <li>Underwriting and claims experience vary by local partner<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Retired member discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renovated home<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hail-resistant roof<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Many local clubs offer home systems protection and digital claims features such as online FNOL and photo upload. Virtual inspections and proactive status updates are increasingly common across the industry per <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power\u2019s property claims study<\/a> and <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/insurance-industry-outlook.html\">Deloitte\u2019s insurance outlook<\/a>.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See 2025 statewide modeled benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a>; performance varies by local club and underwriter.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best Web Experience\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"state\">State Farm<\/h2>\n\n\n\n<p>State Farm combines broad availability and strong financials with an intuitive online experience. Quote, policy changes, bill pay, and claims can be handled via web or app; virtual inspections and photo uploads can accelerate simple claims, while complex losses receive adjuster support. Educational content (e.g., Simple Insights) helps new homeowners understand coverages and deductibles.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Web Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Providing a high-quality digital experience is a core strength for State Farm. It also offers solid HO-3 coverage with optional endorsements (e.g., extended replacement cost, water backup), so you can tailor the policy to your risk.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 statewide averages*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Providing a high-quality digital experience is a core strength for State Farm. It also offers solid HO-3 coverage with optional endorsements (e.g., extended replacement cost, water backup), so you can tailor the policy to your risk.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Financially strong<\/li>\n                            <li>Excellent web presence<\/li>\n                            <li>19,000+ agents nationally<\/li>\n                            <li>Informative blog<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited discounts<\/li>\n                                    <li>Higher premiums<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Impact-resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">State Farm\u2019s site and app support quotes, digital FNOL, photo\/video upload, and claim status tracking. These capabilities align with higher satisfaction drivers identified in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power\u2019s property claims study<\/a> and industry investments in AI-enabled claims triage noted by <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/insurance-industry-outlook.html\">Deloitte<\/a>.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See 2025 statewide modeled benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a>, 1,000-point scale<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on State Farm:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for New Homebuyers\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"afi\">American Family Insurance<\/h2>\n\n\n\n<p>American Family is a solid fit for first\u2011time buyers who want guidance and flexible endorsements. It pairs education tools with a streamlined digital experience and 24\/7 claims. Pricing trends in Missouri follow broader market pressures from hail\/wind and reinsurance, so compare quotes with identical coverage limits and deductibles.<\/p>\n\n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homebuyers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family\u2019s site helps you understand coverage with comparisons, calculators, and home inventory tools. Its agents and online resources make it easier to right\u2011size coverage and add endorsements like water backup or equipment breakdown.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$250k\u2013$300k Coverage A profiles: see 2025 sources*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A (verify current outlook)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family\u2019s site helps you understand coverage with comparisons, calculators, and home inventory tools. Its agents and online resources make it easier to right\u2011size coverage and add endorsements like water backup or equipment breakdown.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Customizable coverage options<\/li>\n                            <li>Good customer satisfaction ratings<\/li>\n                            <li>Solid financial ratings<\/li>\n                            <li>Helpful digital resources for new homebuyers &#038; 24\/7 claims center<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited availability<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Smart home discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Generational discount if your parents are policy holders<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renovated home discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Virtual claim options and app-based status tracking support faster cycle times for simple losses, consistent with findings from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power\u2019s property claims study<\/a>; many carriers are also scaling AI-assisted claim triage per <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/insurance-industry-outlook.html\">Deloitte<\/a>.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See 2025 statewide modeled benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a>.<\/em><\/p>\n\n\n\n<p>Further Reading on American Family:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\">American Family Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/american-family-review\/\">American Family Renters Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\">American Family Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost of Homeowners Insurance in Missouri\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Missouri<\/h2>\n\n\n\n<p>Current 2025 modeled statewide averages from major consumer researchers indicate a typical Missouri homeowners policy costs in the mid\u2013$2,000s to around $3,000 per year for common quote profiles (roughly $250,000\u2013$300,000 in dwelling coverage, $1,000 deductible). See <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a> for their exact coverage assumptions. Compared with Missouri\u2019s latest official 2022 average homeowners expenditure compiled by <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">III (NAIC)<\/a>, today\u2019s modeled averages are roughly 35%\u201370% higher. Price pressure reflects repeated severe storm losses (see <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>) and broad insurance premium inflation captured in the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>.<\/p>\n\n\n\n<ul><li><strong>Home size and rebuild cost<\/strong><\/li><li><strong>Location and hail\/tornado exposure<\/strong><\/li><li><strong>Roof age and material<\/strong><\/li><li><strong>Coverage amounts and endorsements<\/strong><\/li><li><strong>Discounts and mitigation (e.g., impact\u2011resistant roof)<\/strong><\/li><li><strong>Credit tier<\/strong><\/li><li><strong>All\u2011peril and wind\/hail deductibles<\/strong><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Home Insurance Add-Ons That Will Further Protect You \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That May Further Protect You&nbsp;<\/h2>\n\n\n\n<p>Missouri sees frequent micro\u2011earthquakes tied to the New Madrid Seismic Zone and recurring severe storms and flooding. Standard HO\u20113 policies exclude earthquake and flood. The <a href=\"https:\/\/www.usgs.gov\">USGS 2024 National Seismic Hazard Model<\/a> reaffirms earthquake risk, while flood risk is managed through the NFIP\u2019s Risk Rating 2.0 pricing and a growing private flood market. Consider the following:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/is-earthquake-insurance-worth-it\/\"><strong>Earthquake coverage<\/strong><\/a><strong>:<\/strong> Purchase as an endorsement or stand\u2011alone policy; deductibles are typically a percentage of Coverage A (often 10%\u201320%+) per the <a href=\"https:\/\/content.naic.org\">NAIC<\/a>. USGS\u2019s updated model underscores ongoing risk in and around southeast Missouri.<\/li><li><strong>Sinkhole protection:<\/strong> Though relatively rare, the <a href=\"https:\/\/www.iii.org\/article\/sinkholes-and-insurance\">U.S. Geological Survey names Missouri as one of the seven states where sinkholes occur most often<\/a>. Discuss availability and underwriting with your carrier.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\"><strong>Flood insurance<\/strong><\/a><strong> and <\/strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/water-damage\/\"><strong>water damage insurance<\/strong><\/a><strong>:<\/strong> Homeowners insurance excludes flood. Consider an NFIP policy via the <a href=\"https:\/\/www.fema.gov\">National Flood Insurance Program<\/a> or a private policy (lender permitting). NFIP pricing under Risk Rating 2.0 reflects property\u2011specific risk; federal purchase requirements apply to properties in Special Flood Hazard Areas with federally related mortgages (see <a href=\"https:\/\/www.fema.gov\">FEMA<\/a> and <a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/R\/R44593\">CRS<\/a>).<\/li><li><a href=\"https:\/\/insurance.mo.gov\/consumers\/cropinsurance.php\"><strong>Crop insurance<\/strong><\/a><strong>:<\/strong> For farm properties, separate policies may be needed to address drought, flood, and other perils.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap1\" title=\"The Cheapest Homeowner Insurance Companies in Missouri \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Missouri<strong>&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Homeowner&nbsp; Insurance Companies<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Eligibility required; see 2025 statewide modeled company comparisons on <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a><\/td><\/tr><tr><td>AAA<\/td><td>Varies by local club\/underwriter; see 2025 statewide modeled comparisons in sources above<\/td><\/tr><tr><td>Travelers<\/td><td>See 2025 statewide modeled company comparisons in sources above<\/td><\/tr><tr><td>Allstate<\/td><td>See 2025 statewide modeled company comparisons in sources above<\/td><\/tr><tr><td>State Farm<\/td><td>See 2025 statewide modeled company comparisons in sources above<\/td><\/tr><tr><td>American Family<\/td><td>See 2025 statewide modeled company comparisons in sources above<\/td><\/tr><tr><td>Shelter<\/td><td>See 2025 statewide modeled company comparisons in sources above<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures in 2025 vary by standardized profile (often $250,000\u2013$300,000 dwelling coverage, $1,000 deductible). For current, carrier\u2011level Missouri comparisons, see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. USAA is limited to the military community.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top1\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Missouri \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Missouri&nbsp;<\/h2>\n\n\n\n<ul><li><strong>USAA:<\/strong> Often among the lowest for eligible military households; verify pricing against 2025 benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/li><li><strong>AAA:<\/strong> Competitive when bundled with auto in many ZIP codes; results vary by local club and underwriting partner.<\/li><li><strong>Travelers:<\/strong> Frequently competitive for newer roofs and when selecting higher wind\/hail deductibles; always compare like\u2011for\u2011like coverage and deductibles.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top2\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Missouri\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Missouri<\/h2>\n\n\n\n<ul><li><strong>Shelter:<\/strong> Can trend higher in some ZIP codes based on roof age, loss history, and wind\/hail deductibles.<\/li><li><strong>American Family:<\/strong> Broader endorsements and lower deductibles can raise premiums; compare configurations.<\/li><li><strong>State Farm:<\/strong> Rates vary widely by ZIP code, roof condition\/material, and coverage limits \u2014 compare multiple quotes with identical limits.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Helpful Resources for Missouri Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Missouri Homeowners<\/h2>\n\n\n\n<p>Most insurance shopping can be done online \u2014 including <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\">comparing quotes <\/a>. Expect questions about roof age\/material, updates to electrical\/plumbing, and recent renovations. Having an inspection report and roof documentation ready can streamline quoting and may qualify you for mitigation credits (e.g., impact\u2011resistant roof). After major storms, carriers may apply binding moratoria or increase wind\/hail deductibles; review your declarations each renewal. For context on disaster trends and risk, see <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA\u2019s Billion\u2011Dollar Disasters<\/a>.<\/p>\n\n\n\n<p>If you are looking for useful resources to understand homeowners insurance in Missouri you can check:<\/p>\n\n\n\n<ul><li>Missouri&#8217;s Department of Commerce &amp; Insurance <a href=\"https:\/\/insurance.mo.gov\/consumers\/home\/homeowners.php\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">guide for homeowners insurance<\/a> that includes a helpful how-to guide on reading and understanding your policy.&nbsp;<\/li><li>A list of <a href=\"https:\/\/insurance.mo.gov\/consumers\/home\/EQInsurance.php\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">earthquake coverage insurers<\/a> compiled by the Department of Insurance, Financial Institutions and Professional Registration.<\/li><li>An article about <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/estimate-homeowners-insurance-cost\/\">how to estimate your homeowners insurance<\/a><\/li><li>Find <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/faq\/\">answers to the most common homeowners insurance questions<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_61e892f15fac0\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Missouri?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It is not required by state law. However, if you have a mortgage, your lender will almost always require homeowners insurance before closing and throughout the life of the loan. For new homebuyers, your realtor or lender can help you coordinate coverage before closing.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61e893015fac1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Missouri?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">\u201cCheapest\u201d depends on ZIP code, roof age\/material, credit tier, and deductible choices. 2025 modeled statewide averages for common profiles land in the mid\u2013$2,000s to around $3,000 per year. For current Missouri comparisons by carrier, see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. USAA (via Garrison) is limited to the military community. Always compare quotes with identical limits and deductibles for an apples-to-apples view.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using third\u2011party benchmarks for customer experience and financial stability, plus coverage options and digital capabilities, to determine strong providers for Missouri homeowners.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 We referenced the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 J.D. Power Home Insurance Study<\/a> for homeowners satisfaction and recent trends.<\/li><li>Coverage \u2014 We reviewed core HO\u20113 protections and available endorsements (e.g., water backup, equipment breakdown, earthquake) to support different risk profiles.<\/li><li>Confidence \u2014 Financial strength matters for claim\u2011paying ability. We considered AM Best ratings and definitions (<a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">rating guide<\/a>); verify current FSRs via the <a href=\"https:\/\/ratings.ambest.com\/\">AM Best Rating Center<\/a>.<\/li><li>Customer Experience \u2014 We also accounted for claim handling expectations highlighted in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power\u2019s property claims study<\/a>, including digital FNOL, virtual inspections, and proactive communication.<\/li><\/ul>\n\n\n\n<p>Rates and averages cited reflect 2025 modeled statewide benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/missouri\/\">Policygenius<\/a> using standardized profiles. For historical context, we referenced the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">III<\/a> summary of NAIC\u2019s 2022 state average homeowners expenditures. Extreme weather context comes from <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA\u2019s Billion\u2011Dollar Disasters<\/a> and broader premium inflation from the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>. These figures are for comparison only; your quotes may differ.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). For earthquake and flood, separate endorsements or policies are needed; earthquake deductibles typically run 10%\u201320%+ of Coverage A (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>), and flood purchase requirements apply in Special Flood Hazard Areas with federally related mortgages (<a href=\"https:\/\/www.fema.gov\">FEMA<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Best Homeowners Insurance Companies in Missouri Missouri homeowners face elevated weather risk from severe convective storms (hail, straight-line winds, tornadoes), winter ice, flooding, and earthquake exposure from the New Madrid Seismic Zone. Those risks have contributed to higher premiums and tighter coverage terms statewide. Multiple consumer research sources place Missouri\u2019s typical 2025 homeowners premium [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354685,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Missouri Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"When looking for Missouri home insurance companies, customers should consider that this state is frequently hit by natural disasters like ice storms, tornadoes, severe storms, flooding, and even earthquakes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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