Columbia Insurance Rates:

Columbia, MO homeowners insurance is roughly $853 to $1,157, about $71-$96/month. Our exhaustive analysis indicates shoppers can save as much as $402 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the best Cost of Homeowners Insurance in Columbia, MO

The average cost of home insurance in Columbia, MO, is $1182. For practically any family, purchasing a home is an exciting and significant investment. Make sure you have enough insurance coverage in order to safeguard that investment. Homeowners in Columbia, Missouri, must compare insurance estimates various companies provide before shopping for homeowners insurance. Home insurance rates in Columbia, Missouri, vary greatly from person to person. The following are a few factors in Columbia, Missouri, that affect the cost of home insurance.

1. Cost of Insurance Based on the Deductibles in Columbia, MO

A homeowner must pay a deductible up front to cover a portion of the expenses associated with a claim before their insurer will take over and pay the remaining sum. Be careful when selecting your house insurance deductible because it greatly impacts your overall costs. The higher the deductible, the lower the premium on home insurance in Columbia, MO. For instance, homeowners paying a deductible of 1500 and 2000 pay a premium of $994.53 and $902.81. In contrast, homeowners paying a deductible of 500 and 1000 pay $1167.82 and $1056.47, respectively.

2. Cost of Insurance Based on the Safety Features in Columbia, MO

The cost of home insurance in Columbia, MO, is affected by many factors, one of which is safety features. Insurance companies consider the risk of loss when setting premiums, and homes with features that reduce the chances of loss or damage will typically have lower rates. Some safety features that may be considered include smoke detectors, fire sprinklers, security systems, and deadbolt locks. In addition, homes located in areas with low crime rates and good fire protection are typically considered less risky and may have lower rates. For instance, homes with deadbolts will block all the primary entry points for the burglar to break into the house. It will reduce the possibility of theft. Homes with deadbolts pay $1028.34 on home insurance in Columbia, MO. With more advanced features, the premium on home insurance will reduce.


3. Cost of Insurance Based on the Materials Used in Columbia, MO

A house made of a solid material will last longer, boosting the home's durability. The use of authentic and durable materials, such as clay brick, concrete, a hail-resistant roof, etc., is advocated for homeowners. This significantly lowers your Columbia, Missouri, homeowner's insurance cost. For example, homeowners in Columbia, Missouri, who built their homes with masonry or fire-resistant brick pay $1122.9 and $1028.34 in insurance, respectively.

Columbia, MO Homeowners Insurance By Home Value

Columbia, MO Home Value Total Homes % of Total Average Columbia, MO Homeowners Insurance
Less than $50,000 1,111 5.0% $140
$60,000 to $69,999 279 1.0% $381
$70,000 to $79,999 294 1.0% $442
$80,000 to $89,999 646 3.0% $502
$90,000 to $99,999 981 4.0% $562
$100,000 to $124,999 1,917 9.0% $653
$125,000 to $149,999 2,823 14.0% $814
$150,000 to $174,999 3,072 15.0% $964
$175,000 to $199,999 2,081 10.0% $1115
$200,000 to $249,999 3,184 16.0% $1346
$250,000 to $299,999 1,669 8.0% $1638
$300,000 to $399,999 1,456 7.0% $2090

Top Home Insurance Agents Near Columbia, MO

Home Insurance Company Near Columbia, MO Homeowners Insurance Agency Near Columbia, MO Address
NA Mcglynn And Associates Insurance Agency 4918 Rainbow Dr , Jefferson City, MO, 65109
Travelers Amos & Amos Agency 303 N STADIUM BLVD SUITE 200, COLUMBIA, MO, 65203
State Farm Jim Kesterson 1401 Southwest Blvd, Jefferson City, MO, 65109-2484
Travelers Luebbering Insurance Agency 2717 Industrial Dr Ste A Jefferson City, Jefferson City, MO, 65109
Liberty Mutual Independent Naught & Naught Insurance Agen 513 E SPRING ST, BOONVILLE, MO, 65233

Columbia, MO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Columbia, MO

Streets in Columbia Area Homeowners Insurance Cost
Turner Ave, Center St, Wild Ginger Ct, Valley Vista Ct, Corcoran Dr, W Southern Hills Dr, Parkside Dr, Riverbirch Pl, Christian Chapel, Samantha Ct$1,035
Leeway Dr, W Craig St, Country Ln, Fern Flower Ct, Dusty Rhodes Ln, W Driskel Rd, Amethyst Dr, Shannon Pl, Lema Ln, E Rob Cook Rd$990
E Lexington Cir, Sunset Dr, Daniel Boone, Apple Valley Ct, Wild Plum Ct, Tessa Way, Whitefish Dr, Corporate, Norwalk, Sun Ct$987
Bay Brook Dr, E Hwy Ab, E Alhambra Dr, Weatherwood Ave, Carnation Dr, Stanford Dr, Cherokee Ln, Wilson Ave, Rain Tree Ct, North Blvd$928
Bates Creek Ct, W Akeman Bridge Rd, Gazelle Dr, Jennifer Ln, N Charleston Cir, Skye Wynd, Ballenger Pl, E Burnam Rd, W Arbor Way, N Ely Ave$987
Monterey Dr, Fourwinds Dr, S Cedar Lake Dr, Rice Rd, S Warren School Rd, Sandman Ln, E Sexton Rd, E Fulton Gravel Rd, Richmond Ave, Baldwin$None
Danforth Cir, Wilderness Way, Berry View Ct, S Warren Dr, Brown Station Rd, Bryant St, Hyde Park Ave, Cromwell Ct, Wishing Well Dr N, Old US Hwy 63 S$1,050
S Easley River Rd, College Park Dr, N Boothe Ln, Timbers Ct, N Locust Grove Church Rd, Minor Hill Rd, Bogie Hills Dr, Canaveral St, N Hwy Pp, Hunt St$1,036
Taylor St, Lewis St, Elsdon Ct, Quick Sand Cir, W Sexton Rd, Baseline Pl, Fenimore Dr, Moss St, Bullhead Ln, W Lathrop Rd$988
Alton Ave, High Quest Dr, Dogwood Ln, Silver Brook Rd, Bentpath Dr, Americus Dr, Saddlebrook Pl, Thornridge Dr, Watertown Pl, Garnet Ave$982

Columbia, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Columbia$150 to $153
Boone County$149

Columbia, MO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Missouri township, Boone County, Missouri $126 $168 $252
Boone County, Missouri $125 $166 $249
Pierpont village, Missouri $127 $169 $253

Columbia, MO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Columbia, MO6.2%19.1%
Boone County6.51%20.26%

Columbia Renters Insurance as a Percentage of Rent

Columbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 418 1.0% $782
$300 to $499 2,179 10.0% $1232
$500 to $749 6,995 32.0% $1907
$750 to $999 6,819 31.0% $2657
$1,000 to $1,499 3,862 17.0% $3782
$1,500 or more 1,223 5.0% $5432

Columbia, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Columbia Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,700$9,100
Net Savings to Columbia Home Owner from High Deductible Plan $600

Columbia, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Columbia, MO Home Replacement Value MORE than Home Value Columbia, MO Home Replacement Value LESS than Home Value
Replacement Value $159,500 $122,500
Insurance Premium based on Replacement Value $675 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $18,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Columbia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateAmerican Family Insurance
Monthly Premium 535456
Year Built 197619842011
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$250000-$300000$150000-$175000
Deductible $2500-$5000 Deductible> $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Columbia, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 210,000 Tile Roof 2,680 5 > $10,000 Deductible 330 9 Vinyl siding No
2010 170,000 Composition Roof 2,020 4 $2500-$5000 Deductible 200 4 Vinyl siding No
2012 250,000 Membrane Roof 2,360 3 $1000-$2500 Deductible 320 4 Stone Siding yes
2013 285,000 Shingles Roof 2,650 4 $5000 to $10,000 Deductible 980 12 Fiber-Cement Siding No
1978 240,000 Wood Shake Roof 2,540 5 $500- $1000 Deductible 460 6 Brick siding yes
1988 325,000 Composition Roof 2,930 4 > $10,000 Deductible 120 2 Brick siding yes
1971 315,000 Metal Roof 3,060 5 $1000-$2500 Deductible 1550 10 Vinyl siding yes
1980 165,000 Slate Shingles Roof 1,650 5 $500 Deductible 500 7 Wood siding No
1971 205,000 Tile Roof 2,090 3 $500 Deductible 960 12 Vinyl siding No
1986 275,000 Slate Shingles Roof 3,220 4 $2500-$5000 Deductible 690 7 Stone Siding yes
2013 290,000 Metal Roof 2,460 4 $1000-$2500 Deductible 860 8 Wood siding No
1992 285,000 Tile Roof 3,350 4 $2500-$5000 Deductible 520 6 Fiber-Cement Siding yes
2009 190,000 Wood Shake Roof 1,750 3 $1000-$2500 Deductible 260 5 Stone Siding yes
2007 470,000 Wood Shake Roof 4,570 5 > $10,000 Deductible 670 8 Brick siding yes
2002 280,000 Composition Roof 2,380 4 > $10,000 Deductible 220 4 Stucco siding yes
2008 205,000 Shingles Roof 2,330 3 $2500-$5000 Deductible 290 4 Wood siding yes
2011 270,000 Slate Shingles Roof 2,340 3 $500- $1000 Deductible 100 1 Wood siding yes
2010 220,000 Asphalt Shingles Roof 2,690 5 $1000-$2500 Deductible 940 12 Wood siding No
1981 200,000 Composition Roof 2,150 3 $5000 to $10,000 Deductible 240 4 Brick siding No
1990 185,000 Metal Roof 2,170 4 $1000-$2500 Deductible 150 2 Stucco siding No
2009 280,000 Metal Roof 2,440 5 $1000-$2500 Deductible 1070 10 Fiber-Cement Siding yes
2007 245,000 Tile Roof 2,300 3 $2500-$5000 Deductible 710 7 Fiber-Cement Siding yes
2011 140,000 Shingles Roof 1,300 3 $500 Deductible 550 12 Fiber-Cement Siding No
1985 270,000 Metal Roof 2,940 4 > $10,000 Deductible 690 9 Wood siding yes
2013 235,000 Asphalt Shingles Roof 2,380 3 $1000-$2500 Deductible 400 6 Stone Siding No
1997 265,000 Membrane Roof 2,950 4 > $10,000 Deductible 510 9 Wood siding No
1974 190,000 Metal Roof 1,690 4 $1000-$2500 Deductible 320 7 Stone Siding No
2003 390,000 Shingles Roof 3,310 5 > $10,000 Deductible 760 10 Fiber-Cement Siding No
1975 195,000 Tile Roof 1,750 3 $1000-$2500 Deductible 250 5 Vinyl siding No

Latest Home Insurance Reviews

Farmer's Insurance
My monthly premium is extremely competitive relative to other companies. My deductible seems to be in line with other policies so I am not upset about it.
State Farm
I think their response to claims, the fact that they give a discount for multiple policies, and their price are all cause for a high recommendation. When you get good customer service with a company.
The Hartford
The reason I moved to this insurance company was their prices. I am getting better coverage for less money. They offer many levels of deductible and I am happy with what I have.
my insurance company gives me a good price for my home insurance.i think that it is better than the other insurance companys
Liberty Mutual
I would recommend them due to the fact that they work wiht smart homes to offer discount. They also have a great rate. They work on the ability to manage the account easy. The offer discounts.
I would recommend this company. I have no real complaints about them. I have no reason not to suggest them as a company.
The premium and deductible through allstate are very fair and very affordable. Also when our last claim took longer than it should have because of a mistake on their end they actually waived the deductible!
State Farm
I would recommend State Farm to family and friends. I went into the office to transfer my policies, so I don't know how their phone service is, but the agent I worked for answered all my questions.
State Farm
Customer service is quickly available. No long waiting experienced.
American Family Insurance
Home Insurance is most important for my life savings help them whole family but any problem occur prevent option and Insurance company customer service familiar then useful or family members.
Yeah, coming to premium and deductible of my policy this company is doing great job, as of me the service is the most important rather than brands.
State Farm
The office staff are always friendly and professional and are quick to respond to requests i have about their services
Customer service is poor. i'd rather be working with the automated system a lot of the time when i ever have to reach out to somebody.
Amica Mutual Insurance
I receive a discount for paperless billing and for having my bill automatically deducted from my checking account. this makes the cost less and the process more convenient.
Liberty Mutual
I like that I am able to log in to find out all my policy information on the website 24/7. I am able to see how much my policy costs and print off my policy copy very easily or access it easily when needed.
Aaa insurance provides excellent protection that will cover my home more than adequately if needed with a fair cost and monthly billing.
They handle everything really well and always keep me in the loop with what is happening. Anytime I talk to someone they are nice and helpful and there are never any problems when it comes to getting information. Overall they are just very helpful.
I like the app because it is simple to use and I am able to access all things related to my policy. I dislike the app because it tends to not work all of the time and I get booted off very frequently.
I deal with the same agent every time and have dealt with her for a decade, she is very responsive always.
I am very satisfied with Travelers Insurance! Love the customer service and how fast the outcome was handled. They are super friendly and go the extra mile!!
State Farm
I found the claim process to be painless and quick. All of the info was posted online and updated frequently.
Since my agent is a family friend we are a bit spoiled here. He is always pleasant and helpful and has our best interests in mind. I wouldn't go with anyone else. It's not necessarily the company, but the agent that makes it for me.
State Farm
There isn't much to dislike. I guess one thing that would be nice is to have lower premiums - especially when you rarely file claims. But that is true of any insurance company.
Farmer's Insurance
I like dealing with my insurance company because I feel like our representative treats us like family. He is always looking for ways to get us better rates for our coverage and we have been working with him for a long time.
I like your questions about the service and insurance coverage get answered and someone is always available at the office.and shelter cares for the customer.
I would recommend Roger Ernest Shelter Insurance company in Harrison Arkansas because they do a great job of taking the time to explain the policy and they are friendly and efficient. From time to time I have compared premium rate quotes from other local insurances and I have found that Shelter consistently has equal or less expensive rates.
Liberty Mutual
i would not recommend this company for home insurance to other people because there are other companies whose insurance plans are far better then this company so my suggestion is no
Alfa Insurance
State Farm
in this insurance compeny provide the good policy and give a good low premium for the policies it was very useful for the people
State Farm
I like the bundled deal I am receiving currently for my car and home insurance combined. The price is great at this time.
State Farm
I don't like that sometimes I feel they are pressuring us to add on more insurance, through phone calls or mailings.
State Farm
The company is amazing and I am very happy with them. I think that I will stay with them for the rest of my life, to be honest.
Safeco Insurance
The price is the reason we chose SafeCo. Their payouts are high compared to the monthly cost. I have shopped around and can't find anyone that beats their prices.

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