Protect Your Home with Missouri’s Best Homeowners Insurance!
Save on premiums by comparing companies with G&G Insurance.
Home sweet home—where your phone automatically connects to your Wi-Fi. Where you can wander around pants-less in peace. Where you feel most yourself. Your home is an extension of you. And as such, you want to make sure it’s properly protected with home insurance in case of an unexpected disaster.
How Much is Homeowners Insurance in Missouri?
Missouri sits quite close to the national average for homeowners insurance costs, which hovers around $1300 annually. At a yearly average of $1500, or about $130 a month, Missouri is just a little higher.
Many factors will affect whether your quotes are above or below this number, however, some companies offer more affordable rates than others. And G&G Independent Insurance wants to help you find them. We search over 50 companies so that you can compare policies quickly and easily, making the decision process far less stressful.
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What Factors Determine My Homeowners Insurance Rate?
Everyone wants to know the best way to lower their insurance rates. Homeowners insurance rates in Missouri are affected by a host of factors. Some you may be able to change, others are more permanent.
Some factors that insurance companies consider when offering you a quote are:
- Presence or lack of mortgage
- Home location
- Age of home
- Construction of home
- Renovations
- Square footage of home
- Distance from fire departments and hydrants
- Distance from a body of water
- Owning assets that increase risks, like pools, hot tubs, and wood-burning stoves
- Frequency of maintenance
- Home security
- Past Claims
- Credit score
- Marital status
Knowing what factors a company uses to determine your home insurance rates allows you to compare quotes with confidence.
What Does Homeowners Insurance Cover in Missouri?
Although policies differ from company to company, there are a number of coverages you can expect to see. In general, home insurance in Missouri covers:
- Your house
- Unattached structures
- Your belongings
Just because something’s covered in your policy, doesn’t mean it’s covered from everything. Typical damages applicable in most policies are:
- Windstorms/Hail
- Lightning
- Explosions
- Tornadoes
- Theft and Vandalism
- Falling objects
- Water damage (not including floods)
- Crashes
- Fire and smoke
- The weight of ice, snow, or sleet
Some plans may also include:
- Lawsuits due to injuries or damage that took place on your property
- Temporary living costs if you need somewhere to stay while repairing damages
- Medical bills if someone is injured on your property
With your belongings, there is a limit to what can be covered. You can individually insure more expensive items and add extra coverage like water backup or personal injury.
What about flooding?
In most policies, flooding caused by rainstorms or natural disasters isn’t covered under water damage. Only water damage caused by leaking or burst pipes. Flood insurance can usually be purchased separately.
For more detail about what homeowners insurance covers in Missouri, check out our Complete Guide to Home Insurance!
Also, see the Missouri Department of Insurance.
What Should I Know When Shopping for Home Insurance in Missouri?
Buying homeowners insurance can be a daunting process. Here are a few tips to help you shop for home insurance without worrying about getting taken advantage of:
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Know what the policies you’re looking at cover.
Figure out what types of plans exist and what coverage you want for your home.
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Consider your deductible.
You can save a great deal on premiums with a higher deductible, but make sure that it’s a number you can afford.
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Consider additional protections.
You may find discounts for adding preventative and protective measures to your home. Installing security cameras or sensors are two actions that might lower your premiums.
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Check any unions or affiliations you have for potential insurance discounts.
Many alma maters partner with companies to provide lower rates for alumni.
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Consider annual payments instead of monthly.
Many insurance companies provide a discount if you pay the whole year at once, rather than a monthly installment.
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Do your research.
When you’ve found a few plans you like, check the rating of the companies. In case of a widespread disaster, you want to ensure your company will have the funds to cover you.
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Consider a consultation.
With G&G Independent Insurance, we can help you figure out what you need, and compare over 50 companies to find you options within your parameters.
Ready to start shopping?
What Are the Common Causes of Home Insurance Claims?
Every year, billions of dollars are claimed in homeowners insurance losses in the US. In Missouri, we are always at risk of severe weather that could cause damages. Tornadoes and earthquakes are among some of the more common claims for home insurance in Missouri. Hail damage is another frequent “homewrecker”.
This is similar to the causes of most US home insurance losses each year. Wind, hail, fire, lightning, water damage, freezing, and theft are among the most common claims made annually.
Where Can I Find Cheap Homeowners Insurance in Missouri?
If you’re looking for affordable home insurance, you’ve come to the right place. With our catalogue of 50+ insurance providers throughout Arkansas, G&G Independent Insurance is committed to helping you find the best coverage at a price that works for you. Our system is quick, easy, and allows you to instantly compare rates that cover your needs.
We’ll make sure you find an insurance policy that gives you peace of mind in no time. Protect your house. After all, there’s no place like home.
