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Missouri Homeowners Insurance

Living in the Show Me State

Missourians enjoy their own slice of life in the Midwest. If you live in a small town, in the Ozarks, St. Louis or Kansas City, wherever you live in Missouri Safeco offers insurance for your home in the Show Me State. When considering home insurance coverage in Missouri, keep in mind how the climate and severe weather of the Midwest can adversely affect your home, belongings and property. Get your Missouri home insurance quote today.

Missouri Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Missouri homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Missouri homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Missouri homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

Safeco Ultra™

Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in Missouri.

Missouri Home Insurance Discounts

Safeco offers several ways for Missourians to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about ways to save with Missourihome insurance discounts.

Missouri Home Insurance Coverage Options

All Safeco homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Missourians have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Earthquake Insurance

Earthquake damage coverage is available in certain Missouri counties for frame and masonry veneer homes built in or after 1960.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Missouri homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Missouri homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Missouri

Flooding in Missouri

Heavy spring rain and snowmelt are common sources of flooding in Missouri. Both the Missouri River and Mississippi River have a history of flooding Missouri homes and communities.

Is flood damage covered by home insurance?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Thunderstorms, Hail and Lightning

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Are lightning strikes and hail damage covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Mudslides and Mudflows

Mudflows are different than mudslides. According to the National Flood Insurance Program “mudflows are rivers of liquid and flowing mud on the surface of normally dry land.” Mudslides are a type of landslide typically caused by sloping ground inundated with water. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Does home insurance cover mudslides and mudflows?

Mudlfows and mudslides are not generally covered by a standard homeowners insurance policy. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Wildfires in Missouri

Wildfires are started each year by both human carelessness and natural causes. In 2012 more than 1.5 million acres burned across central Missouri.

Does home insurance cover wildfire damage?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

Thunderstorms, Lightning and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Tornadoes in Missouri

If you live in Missouri you already know you live on the eastern edge of Tornado Alley. Missouri had an average of 45 tornadoes per year between 1991 and 2010.

Does home insurance cover tornado damage in Missouri?

A typical home insurance policy covers the cost to repair damage caused by a tornado.

Earthquakes in Missouri

Small earthquakes and tremors happen frequently in Missouri. Earth movement strong enough to be felt by humans is experienced about once or twice every 18 months in the state. At least 35 intense tremors of approximately magnitude 4.5 or higher have been recorded in Missouri since 1811.

Is earthquake damage covered by home insurance?

Earthquake damage is an optional coverage in some counties of Missouri for frame and masonry veneer homes built in or after 1960. Talk to your local Missouri Safeco insurance agent about adding coverage for earthquakes to your Missouri home insurance policy.

Winter Weather in Missouri

Missouri is familiar with cold, snowy winters. Below freezing temperatures, ice storms and snowstorms happen every year throughout the state.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Down trees and break tree branches that damage your home

Is damage from winter weather covered?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbingand personal belongings.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506