The 4 Best Missouri Homeowners Insurance Companies

The Joplin, Mo., tornado was a devastating example of the importance of quality Missouri homeowners insurance. Most people look for the cheapest option, but this event shines a light on the insurers' ability to pay following a loss. Premiums are higher than the national average, but thankfully, on the decline, and currently stand at around $1,082.00 on average. Narrow down your selection to a few highly rated insurers with strong financial ratings, and then comparison shop to get the best Missouri homeowners insurance for you.

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American Family

American Family is the second largest provider of home insurance in Missouri with about 15% market share. American Family maintains an AM Best A (Excellent) rating for financial strength, and is committed to Midwestern values and service. Property damage from snow, lightning, wind storms, hail, freezing pipes, fire, and many types of theft are all covered. In addition to this standard coverage, AmFam offers many additional options to fit your unique needs. These include a flood insurance, or a home office endorsement to cover your work items that you keep at home. Standard discounts comparable to the offerings of other national insurers are available. These include multi-policy discounts and protective device discounts. Tools such as the Dream Vault home inventory tool help you easily create an inventory of your personal property and store it in case of an emergency.

Auto Club Family Insurance

Auto Club Family Insurance is part of the AAA Insurance Companies, affiliated with AAA membership. The Auto Club writes homeowners insurance in Missouri, Arkansas, Mississippi, southern Illinois, southern Indiana, and eastern Kansas. It benefits from an AM Best A+ financial rating. In addition to coverage protecting your house, added insurance is available for other structures on your property such as carports, tool sheds, pools, and your personal property. If your home qualifies, you can take advantage of extended dwelling replacement cost coverage without any additional premium. In such cases, your home will be rebuilt or replaced, up to 120% of the dollar amount of your policy. Multi-policy discounts are available along with many AAA membership benefits.

Shelter Mutual

Shelter Mutual offers many options for homeowners insurance in Missouri. Its standard insurance covers your home and belongings. Optional coverage includes umbrella, personal articles policies, additional living expenses, and medical payments. Payment of the claims is based on actual construction costs, or you can receive cash value. This choice is unique in the industry. Discounts include multi-policy purchase, new home construction, installed protective devices, and claim-free discounts. Shelter Mutual Insurance maintains an AM Best A (Excellent) rating for financial strength.

State Farm

State Farm's AM Best A+ (Superior) rating puts it among the best Missouri homeowners insurance companies, and the largest provider in the state. Its innovative service tools give State Farm a great reputation for customer service. For instance, the Pocket Agent mobile app allows robust access to your policy, claims history, and payment activity from anywhere. The Home IndexTM online home inventory management system allows you to easily build an inventory of your personal property. Store this inventory securely so it will not be destroyed in the event of a loss to your home. Then access it for easy claims reporting. State Farm does well with discounts, too. Great discounts can be found by doing a State Farm Discount Double Check. This feature automatically checks for available discounts and alerts you of ways to save, like combining policies.

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