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The Best Homeowners Insurance Companies in Missouri

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    The Best Homeowners Insurance Companies in Missouri

    Homeowners in Missouri can expect a hard time deciding which company they should go with for home insurance as most of them offer great policies. When looking for Missouri home insurance companies, customers should consider that this state is frequently hit by natural disasters like ice storms, tornadoes, severe storms, flooding, and even earthquakes. 

    After evaluating price and essential coverage from the state’s biggest insurance providers, we recommend Garrison Property and Casualty Insurance as the top homeowners insurance company in Missouri. Even though it is a subsidiary of USAA, a company usually known for serving military members exclusively, Garrison’s policies are available to every customer. From our selection of best insurance companies in Missouri, State Farm and Garrison (by extension of being part of USAA) made it to our list of best homeowners insurance in the U.S. What do you need to know about the homeowners insurance in Missouri? Keep reading to find out.

    The 4 Best Homeowners Insurance Companies in Missouri

    Compare Missouri’s Top Insurance Companies


    Company
    Average PriceAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction*Reviews.com Score*
    Garrison Property and Casualty Insurance Company (USAA subsidiary)$1,191A++**889**4**
    AAA$1,070N/AN/AN/A
    State Farm$1,751A++821/1000
    American Family Insurance$1,829A821/1000

      Information as of 09/24/2020.
      *Based on a 1,000-point scale.
      **The rating corresponds to USAA’s group of companies.

      Garrison Property and Casualty

      The best thing about Garrison for Missourians is that it offers really good earthquake coverage. The next best thing are its affordable premiums. It is beat only by USAA (its parent company) and AAA.

      Garrison Property & Casualty

      Best Overall

      Why we chose it

      Garrison is a subsidiary of USAA, which is considered one of the best insurance companies out there. While its parent company only serves former and current military members and their families, Garrison’s policies are available to everyone in the community.
      • 4** Reviews Score
      • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
      • 889* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
      • N/A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

      Why we chose it

      Garrison is a subsidiary of USAA, which is considered one of the best insurance companies out there. While its parent company only serves former and current military members and their families, Garrison’s policies are available to everyone in the community.

      Pros

      • Affordable premiums
      • Extensive earthquake coverage
      • Exceptional customer service

      Cons

      • Online resources are hard to find
      • Limited discounts
      Read More

      Discounts available

      • Save 10% if you bundle with auto 
      • Claims-free 10% discount
      • Home security system discount

      Unique features

      Garrison’s policies are written with customers’ needs in mind. They offer comprehensive coverage, affordable premiums and stand out for its excellent customer satisfaction.

      *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale.

      **All the ratings and scores correspond to USAA’s group of companies.

      AAA

      The American Automobile Association (AAA) is a well-recognized insurance company. The nonprofit organization may be best known for auto insurance and roadside assistance, but it’s been supporting homeowners with home insurance policies through local partners for over a century.

      AAA

      Best for Bundling with Auto

      Why we chose it

      A membership to AAA is required, but you’ll have access to competitive premiums that make the insurer one of the most affordable in Missouri. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy.
      • ** Reviews Score
      • ** AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
      • ** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
      • ** BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

      Why we chose it

      A membership to AAA is required, but you’ll have access to competitive premiums that make the insurer one of the most affordable in Missouri. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy.

      Pros

      • High customer satisfaction claims ratings Low homeowners insurance prices AAA discounts for travel and other policies
      • Low homeowners insurance prices
      • AAA discounts for travel and other policies

      Cons

      • Requires AAA membership first
      • You may have to buy auto insurance before you can access homeowners policies
      • Home insurance is provided by a local partner.
      Read More

      Discounts available

      • Retired member discount
      • Claims-free
      • Renovated home
      • Hail-resistant roof

      Unique features

      Many of the local AAA clubs provide home systems protection to cover heating, air conditioning or water heater breakdowns.

      *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale.
      ** Because AAA is a network of many local “clubs,” data varies by region

      State Farm

      State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about homeownership in general.

      State Farm

      Best Web Experience

      Why we chose it

      Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
      • 3.75 Reviews Score
      • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
      • 829* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
      • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

      Why we chose it

      Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

      Pros

      • Financially strong
      • Excellent web presence
      • 19,000+ agents nationally
      • Informative blog

      Cons

      • Limited discounts
      • Higher premiums
      Read More

      Discounts available

      • Multiple policy discount
      • Fire, smoke, or burglar alarms discount
      • Impact-resistant roof discount

      Unique features

      State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

      *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

      Further Reading on State Farm:

      American Family Insurance

      American Family Insurance is a good choice for any type of homeowner, but it especially shines for new homebuyers. The insurer’s affordable premiums and a variety of online learning resources are ideal for someone just getting started with purchasing their first home.

      American Family

      Best for New Homebuyers

      Why we chose it

      American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides home insurance Missouri policy comparisons, calculators, and inventory worksheets to help you get the right coverage.
      • 3.75 Reviews Score
      • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
      • 821* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
      • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

      Why we chose it

      American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides home insurance Missouri policy comparisons, calculators, and inventory worksheets to help you get the right coverage.

      Pros

      • Customizable coverage options
      • Good customer satisfaction ratings
      • Solid financial ratings
      • Helpful digital resources for new homebuyers & 24/7 claims center

      Cons

      • Not BBB accredited
      • Limited availability
      Read More

      Discounts available

      • Smart home discount
      • Generational discount if your parents are policy holders
      • Renovated home discount

      Unique features

      American Family’s MyAmFam App was redesigned to make managing your homeowners insurance policy easier. 

      *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale.

      Further Reading on American Family:

      Average Cost of Homeowners Insurance in Missouri

      The average cost of homeowners insurance in Missouri, according to iii.org, is $1,285, which is slightly higher than the national average of $1,211. The main reason behind having a higher-than-average rate is because this state has experienced extreme storms during the past years. However, there are a variety of factors that affect what each homeowner pays regardless of where they live, including:

      • Home size
      • Home location
      • Home age
      • Type of policy
      • Discounts 
      • Credit score
      • Deductible 

      Home Insurance Add-Ons That Will Further Protect You 

      Missouri is subject to numerous micro earthquakes throughout the year. Running through Missouri is a fault zone called New Madrid, which is the reason for all the seismic activity. Other natural hazard risks in the state include floodings, storms, tornadoes and sinkholes. For which we recommend to have the following add-ons in your homeowners insurance in Missouri:

      The Cheapest Homeowner Insurance Companies in Missouri 

      Homeowner  Insurance CompaniesAverage Annual Premium
      USAA$1,043
      AAA$1,070
      USAA’ Garrison Prop & Cas Ins Co$1,191
      Encompass$1,326
      Shelter Mut Ins Co$1,692
      State Farm$1,751
      American Family Insurance$1,829
      Allstate$2,238
      Average Across Credit Rating Tiers$1,387

      Cost of Homeowners Insurance by Age of Home 

      Age of HomeAverage Annual Premium
      5$1,442
      20$2,130
      35$2,147
      50$2118
      Average Across Tiers$1,959

      Top 3 Cheapest Homeowners Insurance Companies in Missouri 

      • USAA: $1,043 
      • AAA: $1,070 
      • Garrison Prop & Cas Ins. Co: $1,191

      Top 3 Most Expensive Homeowners Insurance Companies in Missouri

      • Allstate: $2,238
      • American Family Insurance: $1,829
      • State Farm: $1,751

      Helpful Resources for Missouri Homeowners

      Most home insurance business can be done online, even comparing quotes from providers. Unless a branch has a brick-and-mortar branch nearby, and you prefer to do business that way, there really isn’t a need to apply in person for homeowners insurance in Missouri. Depending on what type of policy interests you, you may be asked specific questions about the state of your house, such as: How old is the water heater or the house’s electrical wiring and plumbing? How old is the roof? Have you done any recent renovations? Do you have a fireplace? To answer these questions accurately, try to have on hand the inspection report. This will help make the quoting process easier.

      If you are looking for useful resources to understand homeowners insurance in Missouri you can check:

      Homeowners Insurance FAQ 

      Is homeowners insurance required in Missouri?

      It is not required by law, it is recommended that you have a homeowners insurance company selected when buying a house with a mortgage, as most lenders will not allow the closing to proceed until you have a policy in place. For new homebuyers, your realtor will most likely help you with this.

      What is the cheapest homeowners insurance in Missouri?

      The cheapest homeowners insurance in Missouri is currently offered by USAA, which has an average premium of $1,043; however, it is only available for former and current military members. The next cheapest is currently AAA with an average premium of $1,070, followed by Garrison Property and Casualty Insurance, a subsidiary of USAA, with an average premium of $1,191. 

      Methodology

      We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies in Missouri across the board, we then calculated a Reviews.com score based on the following:

      • Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
      • Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
      • Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
      • Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

      About the Authors

      Nina Rodríguez-Quirós

      Nina Rodríguez-Quirós Feature Writer

      Nina Rodríguez-Quirós is a feature writer for Reviews.com. Over the last year, she has covered insurance providers, claims handling, coverage and more. She has been featured in Allconnect.com and holds a Master’s Degree in Theory and Research of Communications from the University of Puerto Rico. Her favorite review is Millennials and Auto Insurance.

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