Missouri home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Replacement cost calculator

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

Deductible comparison

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Renewal increase check

Did your renewal go up more than premiums did across your state — and what to do about it.

Full coverage check

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Missouri at a glance

Average premium: $3,409/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $3,000(1% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Missouri Property Insurance Placement Facility (Missouri FAIR Plan); Missouri's insurer of last resort, established in October 1969 for applicants who cannot obtain property insurance through the normal market; applicants are expected to try standard carriers first. Two forms are written: dwelling, capped by statute at $200,000 total insurance on building and contents combined, and commercial/farm, capped at $1,000,000. Coverage is ACTUAL CASH VALUE NAMED PERIL -- depreciation is taken at the time of loss and replacement cost is not included, which is a materially narrower product than a standard HO-3 and a critical caveat given the $200,000 cap sits below the median Missouri home value in much of the state. Covered perils are fire, lightning, wind, hail, explosion, riot, civil commotion, aircraft, vehicle, smoke, volcanic eruption, vandalism and malicious mischief; limited theft can be added to a dwelling policy for an extra $25,000 as a separate item, and sinkhole is available as a standalone. Liability, earthquake, flood and sewer/sump backup are NOT covered at all -- earthquake being a conspicuous gap in a state that contains the New Madrid seismic zone.

Last updated 2026-08-28. How we source every figure