exterior of a home with snow on the ground

Once a bustling thoroughfare for westbound settlers, Missouri served as a gateway to the west for many years. But nowadays, residents are happy to stay right where they are. Whether you've settled down among the BBQ devotees of Saint Louis or Kansas City, in the capital city of Springfield, or anywhere else in the Show Me State, you'll want to protect your home for the long run.

Keep it safe with flexible, reliable homeowners insurance from Nationwide. And with our home insurance discounts, members can save even more on our affordable home insurance rates. Get a Missouri home insurance quote and start protecting your home today.

Missouri homeowners coverages and discounts

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

Explore coverages & options

Repair or replace your covered possessions, regardless of age or condition.

Get Brand New Belongings®

Making your policy more affordable.

See how you can save

Bundle your insurance policies and save money

What's better than Missouri BBQ? How about more money for Missouri BBQs? You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Missouri has to offer.

Start your quote

What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Save up to 20% when you bundle home and car insurance with Nationwide.
computer icon

Get a free, customized homeowners insurance quote online.

Start a quote

phone icon

Give us a call to get your free homeowners insurance quote.

Call 1-888-869-5727

handshake icon

Find a Nationwide Insurance agent near you in Missouri.

Find an Agent

Get a free Missouri homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Missouri homeowners insurance quote today.

Nationwide coverage in Missouri

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.