Missouri homeowners insurance

Whether you pronounce it "Miz-oo-ree" or "Miz-oo-ruh," one thing that rings true across Missouri is the customizable, affordable homeowners insurance that's offered in the Show Me State. Find coverage options and discount opportunities for your primary residence, second home, or vacation rental.

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How you're covered

Missouri doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage protects detached structures, such as a fence or shed.
Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others pays for medical expenses due to a covered occurrence.
Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Common claims in Missouri

Severe rain, wind, and snowstorms are all possible causes of damage to homes in Missouri, not to mention the possibility of tornadoes. Your home insurance policy may cover damage to your home's structure and belongings caused by these perils, up to your policy's limits.

Learn more about how home insurance may cover damage caused by severe weather.

Rainstorms and snowstorms can both lead to floods in Missouri. Although homeowners insurance doesn't cover flooding, a separate flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

Alarm System
Multi-policy
Quote in Advance
New Purchase

See more about the home insurance discounts we offer.

Pro tip:

If you need more than $500,000 in personal liability coverage, an umbrella policy from Progressive can offer up to $5 million in additional protection.

How much is homeowners insurance in Missouri?

Your cost for Missouri homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Fast facts about houses in Missouri

Festus, Missouri is home to a 17,000 square foot, fully modern home built inside a man-made cave.
The home of Laura Ingalls Wilder, the childhood home of Mark Twain, and the farm home of President Harry S. Truman can all be found in Missouri.
The homeownership rate in Missouri is 71.1%, as of March 2021.