Seguro de viviendas en Misuri

Homeowners Insurance in Missouri

Missouri homeowners insuranceMissouri homeowners insurance is important because the “Show-Me State” is vulnerable to natural disasters like severe storms and tornadoes.It doesn't matter if you live in Kansas City, St. Louis, Springfield, Independence or Columbia, having seguro de viviendas in Missouri helps protect your home and personal property from damages.**

Standard MO Homeowners Insurance Coverages

MO homeowners insurance comes with standard coverages to help protect Missouri homes from different risks. At The Hartford, we strive to provide policies that will give you the protection you need. Our standard coverages for your Missouri home insurance include:
La cobertura de propiedad personal to help protect your belongings if they’re damaged or destroyed after a covered loss.** If you file a claim, your Missouri home policy can help fix or replace your damaged property.
La cobertura por responsabilidad civil to help protect you from claims alleging that you’re responsible for someone else’s injury or property damage. This coverage can help pay for damages you’re held liable for from a covered loss.
La cobertura de vivienda to help protect your home and the structures directly attached to it, including your roof, flooring, walls and staircases.
Other structures coverage to help protect buildings on your property not attached to your house. This can help cover your repair costs if a tree falls down on your detached garage during a storm.
Medical payments coverage to help protect you if someone is injured on your property. For example, if someone slips and sprains their ankle on your property, this coverage can help with the cost of their medical bills, up to policy limits, whether you’re legally responsible or not.3
Loss of use coverage helps cover your living expenses, like hotel expenses, if you can’t live in your home because it’s damaged.**
ProtectorPLUS Zero Deductible Benefit to waive up to $5,000 off your base policy deductible if there’s $27,500 or more in damages to your home.

Additional Missouri Homeowners Insurance Coverages

Every homeowner has unique needs. We make it easy for you to customize your Missouri homeowners insurance.
Some optional coverages you can add to help protect your Missouri home are:
  • Full Replacement Cost to help cover your full rebuild cost if your home is a total loss up to 125% of your coverage limits. In some states, this can cover rebuild costs if your home’s total loss is up to 150% of your coverage limits.
  • Water Backup and Sump Pump Overflowto help protect your property from getting damaged by backed up or excess water. This coverage doesn’t pay for damages from flood or surface water. It also doesn’t cover normal wear and tear.
  • Identity Fraud Expense Coverage, which helps compensate you for out-of-pocket expenses up to certain limits if you’re a victim of fraud or identity theft. Refer to your policy for exact limits.
  • Personal Injury Liability Coverage to help cover damages from a libel or slander claim.
  • Reimbursement for Replacing Locks if you lose your keys or they’re stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
  • “New for Old” Protection‡‡ to help replace your destroyed property with brand new ones of the same quality.
  • Equipment Breakdown Coverage to help cover mechanical or electrical breakdowns in your home for appliances and other items like your heating. However, normal wear and tear is not included in this coverage. This benefit also provides coverage if you want to make “green” upgrades to certain appliances. It pays up to 125 percent of your cost to replace any covered equipment with similar items that are more energy efficient or environmentally friendly.
  • Disappearing Property Deductible,‡‡ which reduces your deductible every year when you go three consecutive years without an insurance loss.
Be aware that your standard Missouri homeowners insurance policy likely doesn’t cover floods. So, if a storm causes flooding on your property and it damages your home, your home insurance won’t cover it. You’ll need separate flood insurance to cover these insurance claims.

Homeowners Insurance Missouri & Earthquakes

homeowners insurance MissouriSmall earthquakes occur almost every day in Missouri.5 If an earthquake hits and damages your home, your policy probably won’t help. That’s because homeowners insurance in Missouri doesn’t include earthquake coverage. However, you can add an endorsement to your policy to help protect your home from earthquake damage.

What Is the Average Cost of Home Insurance in Missouri?

When it comes to the average cost of home insurance, Missouri residents paid $1,299 in 2019, which was a little higher than the national average of $1,272. Take a look at how average premiums have changed in the last three years:
Año Missouri Average Homeowners Insurance Cost National Average Homeowners Insurance Cost
2019 $1,299 $1,272
2018 $1,383 $1,249
2017 $1,285 $1,211
Be aware that different factors impact insurance premiums like your zip code and the size of your home. So, you likely won’t pay the same rate as your neighbor and your cost may be lower or higher than the national average.
For a personalized rate, get a home insurance quote  hoy mismo.

Homeowners Insurance Discounts in MO

When you bundle your MO homeowners insurance with car insurance, you get a discount from The Hartford. you can save up to 12% on auto insurance and up to 20% on homeowners insurance in Missouri if you bundle your policies with The Hartford.** Our customers save an average of $813 after bundling their home and auto coverage.**

Tips for Shopping for Missouri Homeowners Insurance

The average homeowners insurance rates continue to increase over the years. Remember that your Missouri home insurance rate may be higher or lower than the national average and that your insurance costs are unique to your Missouri home.
If you’re looking for homeowners insurance, be sure to:
  • Shop around for homeowners insurance quotes from different insurance companies. Prices and coverage vary with each homeowners insurance company.
  • Research insurance ratings from different companies to get an idea of what their customers think.
  • Review policy details and coverage levels to see what’s covered and what your coverage limits are.
  • Check for discount opportunities which may be available if you bundle different insurance policies with the same insurance carrier.

Inventorying Your Rooms & Property

Make sure you’re getting the most from your homeowners insurance. Missouri residents should review and update their home inventory once a year. This inventory list should include details of all of your personal property. If you don’t have one, review Missouri’s home inventory checklist to see how easy it is to create one. Start by taking notes of everything you have and be as detailed as possible.
  • Choose one room to cover first, then go room by room to make things more manageable.
  • Record the specifics of each item, including serial numbers, model numbers and purchase date and price.
  • Take photos of each item so you can see what the item looked like before any damages.
We can help get you the right coverage to protect your home. Our team consistently gets high marks for customer service and helps our customers find ways to save. Speak with one of them today by calling 877-422-2345 or get your home insurance quote online to find out how much your Missouri homeowners insurance will be.
Última actualización: 3 de abril de 2024
3 Los beneficios médicos se calculan según los cargos usuales, habituales y razonables.
4 Does not provide coverage for water damage caused by direct or indirect flooding. Also does not provide coverage for water backup of sewers or drain, or overflow or discharge of a sump pump if it’s caused by flooding.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.