Homeowners Insurance in Missouri
Missouri homeowners insurance is important because the “Show-Me State” is vulnerable to natural disasters like severe storms and tornadoes.
2 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 Overflow4 to 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
Small 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: