Best Homeowners Insurance in Missouri (2024)

State Farm is the top home insurance provider in Missouri, but the best choice for you will depend on your requirements. AAA is the most cost-effective choice, especially for homeowners prioritizing their budget. Nationwide is the superior option for those with new homes. If you require a higher dwelling coverage, American Family is the better choice.

Unless stated otherwise, we used a $100,000 dwelling coverage limit for collecting quotes. Your required dwelling coverage will affect your insurance rates. MoneyGeek has also conducted a thorough review of the cheapest home insurance in Missouri for those prioritizing budget over service quality.

State Farm provides the best home insurance in Missouri. These are the overall leading homeowners insurance providers in The Show Me State:

• State Farm: MoneyGeek score of 85 out of 100 ($1,184 per year)
• AAA: MoneyGeek score of 83 out of 100 ($877 per year)

Homeowners will encounter varied costs and service quality among the many companies in Missouri. It's crucial to pinpoint an insurer that balances affordability and service to suit individual needs.

American Family is the best homeowners insurance provider in Missouri due to its superior service quality. These are the two best homeowners insurance providers in terms of service quality:

• American Family: MoneyGeek score of 87 out of 100 ($1,722 per year)
• State Farm: MoneyGeek score of 80 out of 100 ($1,184 per year)

Valuing service quality from an insurance provider means ensuring prompt, courteous and effective communication and assistance, especially when filing claims. Homeowners should prioritize good quality service to avoid added stress in times of need, such as receiving immediate help after storm damage.

AAA is the best provider of affordable home insurance in Missouri for those on a budget. Below are the best and cheapest homeowners insurance providers:

• AAA: MoneyGeek score of 91 out of 100 ($877 per year)
• State Farm: MoneyGeek score of 85 out of 100 ($1,184 per year)

AAA offers low-cost premiums and maintains reasonable service quality. Knowing the average cost of home insurance in Missouri is important to help you find a provider like AAA, which balances cost and service quality. This can lead to a smoother claims process in the event of a loss.

American Family is the top choice for homeowners in Missouri who have expensive homes. These providers are the best in Missouri for homes requiring $1 million in dwelling coverage:

• American Family: MoneyGeek score of 93 out of 100 ($6,021 per year)
• State Farm: MoneyGeek score of 92 out of 100 ($6,222 per year)

American Family scores highest overall and has a perfect affordability score. For owners of high-value homes, finding a policy that balances extensive coverage with reasonable costs is crucial, as higher coverage needs can significantly influence premiums.

Nationwide is the premier insurer for new homes in Missouri. Our research indicates that these companies rank as the best and cheapest homeowners insurance providers in Missouri for $500K in dwelling coverage for those with new homes:

• Nationwide: MoneyGeek score of 100 out of 100 ($1,439 per year)
• Foremost: MoneyGeek score of 40 out of 100 ($6,428 per year)

Nationwide has exceptional affordability and customer service scores. Homeowners in Missouri can experience an excellent balance between price and service, ensuring substantial protection for their new homes without compromising on quality.

For veterans seeking homeowners insurance, USAA is the superior choice in Missouri. It offers exclusive services tailored to military personnel and their families. These are the best and most cost-effective homeowners insurance companies for veterans and military families in Missouri:

• USAA: MoneyGeek score of 86 out of 100 ($1,195 per year)
• AAA: MoneyGeek score of 78 out of 100 ($877 per year)

The right homeowners insurance company is key for veterans. These companies recognize the special circumstances they may face, such as frequent moves and deployments and ensure their homes and possessions are safeguarded.

The best homeowners insurance providers balance service quality and affordability, offering excellent customer service and comprehensive coverage at reasonable premiums. The best homeowners insurance for you hinges on aligning the provider's offerings with your individual needs. These steps can help you confidently secure the insurance suited to your requirements.

Selecting the best homeowners insurance provider in Missouri hinges on your specific requirements, whether it's coverage options, customer service or premium costs. To further aid your search, here are the most frequently asked questions regarding Missouri's top homeowners insurance providers.