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Missouri Home Insurance

Protect the heart of your home.

Living in Missouri, you can never predict the weather. Learn how a House & Home® policy can help protect you where you live.

State Map

You're looking at coverages in Missouri. Select a new state to see what may be needed there.

Types of coverage

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 features

Only Allstate offers all three unique features1 that work together to help protect your home while saving you money, whether or not you have a claim.

Deductible RewardsSM

When you sign up, you'll get $100 off your home deductible, plus an additional $100 off each year you don't have a claim—up to $500.2

Claim-Free Rewards

If you don't have a recent claim when you sign up, you'll get a discount plus money back every year you don't file a claim.

Claim RateGuard®

Helps keep your rate from increasing just because you file a home insurance claim.3

A local Allstate agent can help you learn more about a House & Home policy in Missouri.

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.


Provides coverage and enhances protection for your personal property if it is stolen or damaged by temporary renters.

Two couples talk on the front porch of a modern home.

Get access to home insurance discounts.

Learn about opportunities to save on homeowners insurance in Missouri.

See discounts

Related resources

1Features are optional and a part of the Enhanced Package. Not available in all states. Subject to terms, conditions and availability. Savings will vary.
2Must add Enhanced Packaged within 60 days of policy inception to earn an additional $100 reward at the 1st annual renewal. Max deductible rewards that can be used in event of a claim is $500. Subject to availability. Exclusions apply.
3This feature applies to one claim every five years.
4NOT AVAILABLE IN EVERY STATE. HostAdvantage feature is optional and provides enhanced personal property protection as an endorsement to an Allstate® policy. Subject to terms, conditions, limitations and exclusions. Limited availability.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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