Keep your space safe in every season
Most of the year, your home in Missouri is exposed to the elements. Learn how a House & Home® policy can help protect it from the inside out.
Types of coverage in Missouri
Take a closer look at what's usually covered by a House & Home policy in Missouri.
Dwelling coverage
Protects the structure of your house, such as the roof and walls
Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage
Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property
Guest medical protection
Pays medical expenses for someone who's injured on your property
Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss
Additional optional coverage
You might want to add optional coverages to your House & Home policy to protect some special items in and around your home.
Enhanced personal property
Helps protect your personal property for any reason unless specifically limited or excluded.Functional replacement cost
If your home is built prior to 1940, you have the ability to select common or standard construction type replacement materials instead of original to help lower your premiums.Service lines
Provides coverage for the cost associated with excavation, replacement and repairs when there is damage to a service line — such as drainage or electrical — on your property.HostAdvantage®
Provides coverage and enhances protection for your personal property if it is stolen or damaged by temporary renters.
How to insure your home in Missouri:
Choose your coverage.
No two homes are alike. You and your agent will work together to design an insurance policy that fits your place.
Apply for a policy.
We help make the process quick and easy, so you can start protecting your home as soon as possible.
Stay protected.
As your life changes, so do your home insurance needs. An agent will work with you to help make sure what you love is covered.
Save on your home insurance
Protecting your home doesn't have to be expensive. And with a variety of discounts and savings opportunities, Allstate makes it even easier to get a good deal in Missouri. Here are a few featured discounts:
Multi-policy discounts
Save up to 25% when you bundle home and auto policies with Allstate.
Responsible payment discount
Savings for having a good payment history like paying on time and payment type (in-full, escrow, etc.).
Claim-free discount
Save up to 20% when you switch to Allstate without a recent home insurance claim.
See other ways to save on home insurance in Missouri.