The Best Home Insurance in Missouri for 2025
Country Financial and Chubb are among the best home insurance companies in Missouri.
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Why trust NerdWallet
Country Financial and Chubb are among the best home insurance companies in Missouri, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Missouri. Below are the insurers that earned 5 stars in our analysis.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Company | NerdWallet star rating | Average annual rate |
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USAA* | $2,220 | |
*USAA homeowners policies are available only to active military, veterans and their families. |
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The best home insurance companies in Missouri
Here's more information about the best homeowners insurance companies in Missouri.

Coverage
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NAIC complaints
Amica
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NAIC complaints
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review

Auto-Owners
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Auto-Owners
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Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
» READ MORE: Auto-Owners homeowners insurance review

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Chubb
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Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.
» READ MORE: Chubb homeowners insurance review

Country Financial
Coverage
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Country Financial
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NAIC complaints
Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case the cost of rebuilding exceeds your policy limit.
Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.
» READ MORE: Country Financial homeowners insurance review

Coverage
Discounts
NAIC complaints
USAA
Coverage
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NAIC complaints
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
More home insurance companies to consider
Looking for more of the best home insurance companies in Missouri? These insurers earned 4.5 stars in our analysis.
Company | NerdWallet star rating | Average annual rate |
---|---|---|
$2,975 | ||
$3,355 | ||
Not available | ||
$6,255 | ||
$3,975 | ||
Not available | ||
$2,330 | ||
$2,930 |
How much does homeowners insurance cost in Missouri?
The average annual cost of home insurance in Missouri is $2,905. That’s 52% more than the national average of $1,915.
In most states, including Missouri, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Missouri, those with poor credit pay an average of $6,075 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 109% more than what those with good credit pay.
Average cost of homeowners insurance in Missouri by city
How much you pay for homeowners insurance in Missouri depends on where you live. For instance, the average cost of home insurance in St. Louis is $2,745 per year, while homeowners in Kansas City pay $3,140 per year, on average.
City | Average annual rate | Average monthly rate |
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Arnold | $2,620 | $218 |
Ballwin | $2,565 | $214 |
Blue Springs | $3,150 | $263 |
Cape Girardeau | $2,860 | $238 |
Chesterfield | $2,515 | $210 |
Columbia | $2,545 | $212 |
Fenton | $2,500 | $208 |
Florissant | $2,720 | $227 |
Independence | $3,150 | $263 |
Jefferson City | $2,470 | $206 |
Joplin | $3,140 | $262 |
Kansas City | $3,140 | $262 |
Lees Summit | $3,115 | $260 |
Liberty | $2,935 | $245 |
Nixa | $3,090 | $258 |
O'Fallon | $2,505 | $209 |
Ozark | $3,065 | $255 |
Poplar Bluff | $2,770 | $231 |
St. Charles | $2,670 | $223 |
St. Joseph | $3,020 | $252 |
St. Louis | $2,745 | $229 |
St. Peters | $2,725 | $227 |
Sedalia | $2,790 | $233 |
Springfield | $2,945 | $245 |
Wentzville | $2,760 | $230 |
The cheapest home insurance in Missouri
Here are the insurers we found with average annual rates below the Missouri average of $2,905.
Common risks for Missouri homeowners
Here are some of the most common risks Missouri homeowners face, along with steps you can take to insure your home against them.
Winter weather
A standard homeowners policy will cover most damage from winter storms. However, some types of winter weather damage may require extra coverage.
For instance, if you have flood damage caused by snowmelt, you’ll typically need a separate flood insurance policy. Damage caused by negligence, such as frozen pipes if you fail to keep your heat at an adequate temperature while you’re out of town, may also not be covered.
Flooding
Standard homeowners insurance policies typically don't cover flood damage. As a result, homeowners in high-risk areas may need to purchase separate flood insurance. Be aware that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect.
Not sure if you’re at risk for flooding? You can look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.
Earthquakes
Standard homeowners insurance policies don't typically cover structural damage due to an earthquake. However, you may have some coverage for related damage. For instance, if a gas line dislodged by the earthquake starts a fire, that may be covered.
If you live in an area with higher risk, consider buying additional earthquake insurance. Note that this coverage often has a separate deductible, which can be as high as 20% of the dwelling coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you must pay a $40,000 deductible for earthquake damage before your insurance kicks in.
Tornadoes and high wind
A standard homeowners insurance policy often covers wind damage, but you may have a separate wind deductible. This can be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.
Missouri insurance department
In Missouri, the Department of Insurance oversees the state’s insurance industry. Its website provides helpful insurance resources and information about how to file a complaint against your insurance company.
If you have questions or need help resolving a complaint with your insurer, call the Division of Consumer Affairs at 800-726-7390 from 8 a.m. to 5 p.m. Mondays through Fridays. You can also file a complaint online using the Consumer Complaint Form or by mail or fax.
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.