Columbia, MO Home Insurance - Analysis On Quotes, Rates & Agents

Columbia, MO Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Columbia, MO is $1182 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Columbia, MO.

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Average Home Insurance Premium in Columbia, MO

National Average Premium State Average Premium Columbia Average Premium
$1,438 $1,084 $1,182

Top Home Insurance Companies in Columbia, MO | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Columbia, MO

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Amco $1,119 $1,342 $1,745 $2,408
Aaa $1,870 $2,244 $2,917 $4,026
State Farm $1,939 $2,327 $3,025 $4,175
Safeco $1,475 $1,770 $2,301 $3,176

Columbia, MO Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 642.45
$150,000 To $174,999 943.65
$175,000 To $199,999 1,119.49
$200,000 To $249,999 1,365.1
$250,000 To $299,999 1,910.73
$300,000 To $399,999 2,626.64
$400,000 To $499,999 3,077.17
$500,000 To $749,999 3,938.78
$750,000 To $999,999 4,554.22
$1000,000 To $1499,999 5,015.79
$1500,000 To $2000,000 5,385.05

Visual Guide for Columbia, MO Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Columbia, MO | Back to Top

Home Insurance Company Near Columbia, MO Homeowners Insurance Agency Near Columbia, MO Address
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

List of Columbia, MO Home Insurance Agents by Companies


Columbia, MO Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Columbia, MO who have no previous history of claims filed are eligible for a discount of $141.84. Homeowners in Columbia, MO with one claim have to pay an additional home insurance rate of $59, while homeowners with 2 claims have to pay an additional $142 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -142 1,040
One Claim +59 1,241
Two Claim +142 1,324


Columbia, MO Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
65203 195,700 1,123
65201 146,400 1,111
65202 137,300 1,199

Factors Affecting Home Insurance Premiums in Columbia, MO

The average home insurance premium in Columbia, MO is $1182. There are various factors in Columbia, MO that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Columbia, MO Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 544
3 Bedroom 1,020
4 Bedroom 1,564
5 Bedroom 3,059

Columbia, MO Home Insurance Premiums for Different Deductibles | Back to Top

Columbia, MO Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Columbia, MO homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,168
$1000 Deductible 1,056
$1500 Deductible 995
$2000 Deductible 903
$2500 Deductible 849

Columbia, MO Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Columbia, MO pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 946
Year 30 Old 1,200
Year 40 Old 1,213
Year 50 Old 1,227
Above Year 50 1,239

Columbia, MO Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 118 1,064
Masonry 59 1,123
Brick 59 1,123
Superior 118 1,064
Hail Resistant Roof 24 1,158

Top Saving Tips on Columbia, MO Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Columbia, MO homes built with sturdy materials earn discounts on homeowners insurance. Columbia, MO homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Columbia, MO senior citizens. Columbia, MO homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Columbia, MO homeowners can avail to increase their savings.

Columbia, MO Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 213 969
Retiree Discount (Senior Citizen Discount) 165 1,347
Newly Constructed Home 236 946

Columbia, MO Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 95 1,087
Fire Extinguishers 106 1,076
Smoke Detectors 165 1,017
Sprinkler System 142 1,040
Fire Alarm 95 1,087
Burglar Alarm 106 1,076
Lightning Protection 47 1,135

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.
Shelter
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.
Shelter
I would recommend this company. I have no real complaints about them. I have no reason not to suggest them as a company.
Allstate
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.
Progressive
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
Allstate
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
Aaa insurance provides excellent protection that will cover my home more than adequately if needed with a fair cost and monthly billing.
Shelter
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.
Aaa
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.
Aaa
I deal with the same agent every time and have dealt with her for a decade, she is very responsive always.
Travelers
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.
Allstate
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.
Shelter
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.
Shelter
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
BY THEIR GOOD WORK AND FAST RESPONSES I RECOMMENDED THIS IS VERY SECURED.
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.