Country Guide
Best Home Insurance in Missouri (2026)
Missouri sits in Tornado Alley — comprehensive storm coverage is essential. Compare top carriers for MO.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Missouri
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Storm coverage | $2,280/yr | — |
| 2 | Shelter Insurance | MO-based carrier | $2,040/yr | — |
| 3 | USAA | Military families | $1,800/yr | — |
| 4 | American Family | Midwest coverage | $2,400/yr | — |
| 5 | Farmers | Rural properties | $2,520/yr | — |