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Best Homeowners Insurance Agencies in Missouri

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Missouri Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



13Top Picks

Learn about our selection process.


featured provider = Featured Provider

Shawnee Rating

Review Sources

5.0 (16)

Why choose this provider?

KC Ins Agency, LLC, serves the insurance needs of individuals, families, and businesses in Missouri. It helps clients secure the best policies for their homes, protecting them from monetary losses in case their properties get damaged due to disasters and unforeseen events like fire, storm, hail, and theft. The company also offers renters', car, life, umbrella, and business insurance products. Ron Harris, the founder of KC Ins Agency, has been in the industry since 1999.

Columbia Rating

Why choose this provider?

Concord Financial Alliance is the best independent insurance agency offering home insurance policies to clients in Missouri. The company partners with various carriers like Progressive, American Modern, Travelers, MetLife, and The Hartford to help customers secure the best protection plans in the state. Its team members assist homeowners in planning for possible damages and losses caused by disasters or random acts. Concord Financial Alliance brings more than 75 years of experience in the industry and also provides renters', umbrella, health, life, and auto coverage.

Saint Joseph Rating

Why choose this provider?

Founded in 1993, DeVoy-Baker Insurance is a company based in Missouri. It provides the best homeowners' insurance policies in the state to protect clients' homes from risks and damaging events like fire, storm, or theft. Its agents also help individuals and families secure auto, life, motorcycle, renters', flood, and pet insurance plans that fit their specific needs. As an independent agency, DeVoy-Baker Insurance is affiliated with numerous carriers, like Progressive, Nationwide, Grinnell Mutual, and Foremost.

Kansas City Rating

Review Sources

5.0 (169)
4.6 (9)
4.0 (1)

Why choose this provider?

Liam Porter is a State Farm insurance provider who helps people in Missouri protect their most valuable assets. The top agent in the state offers homeowners' insurance that covers damages and losses to property resulting from various risks like fire, storm, and theft. Customers' personal belongings are also included in the coverage. He works to find the best auto, renters', condo, pet, and life insurance policies that match his clients' individual needs. Liam's agency maintains a 24/7 telephone support helpline.

Saint Joseph Rating

Why choose this provider?

For more than a century, Buchanan County Mutual Insurance Co has been helping individuals and families in Missouri safeguard their most valuable assets. It offers homeowners' insurance plans to its clients. These cover damage and losses to property and personal possessions caused by unexpected events, like storm, fire, hail, and theft. The company's agents also strive to find the best auto and agricultural insurance plans that suit its customers' needs. They are available 24/7 to respond to emergencies.

St. Louis Rating

Why choose this provider?

O'Connor Insurance is the best independent agency located in Missouri. It works with multiple carriers like Zurich, MetLife, Nationwide, Hagerty, and Progressive to provide the best insurance solutions to its clients. Its homeowners' insurance policies include common coverages such as dwelling, personal property, other structures, loss of use, personal liability, and medical expenses. The firm also offers condo, auto, motorcycle, life, health, and workers' compensation insurance plans. Owner Karen O�Connor Corrigan has obtained the CIRMS and CIC designations.

Saint Louis Rating

Review Sources

5.0 (15)

Why choose this provider?

Kreismann Bayer is a family-owned agency that caters to individuals, families, and businesses in Missouri. It provides homeowners' insurance policies that include common coverages such as dwelling, other structures, personal property, medical expenses, loss of use, and personal liability. Its team members also help customers obtain the best auto, life, boat, condo, workers' compensation, and restaurant insurance deals that fit their specific needs. Frank Curotto, the president of Kreismann Bayer, obtained the CIC designation in 1991.

St. Louis Rating

Review Sources

5.0 (36)
4.4 (28)

Why choose this provider?

Goetz Agency serves the insurance needs of families, individuals, and businesses in Missouri. It provides cheap homeowners' insurance plans that cover losses and damages to properties caused by different types of threats, such as storm, fire, and theft. Other coverage options include personal belongings, loss of use, medical payments, and personal liability. Goetz Agency's team members also write auto, boat, motorcycle, life, and RV insurance policies. As an independent firm, it has access to numerous carriers like Progressive, The Hartford, Encompass, and Travelers.

Springfield Rating

Review Sources

5.0 (52)

Why choose this provider?

Brinck Insurance Group LLC is an independent agency serving individuals and businesses in Missouri. Since 2013, the company has been providing the best insurance products in the state. Its team of agents customizes homeowners' insurance with provisions for property damage when the structure gets hit by a storm, fire, wind, lightning, and hail. Additionally, they offer options to add sinkhole, flood, and sewage backup coverages. Brinck's clients receive personalized attention through one-on-one strategy meetings, six-month policy checkups, policy coverage assessments, and educational seminars.

Saint Louis Rating

Why choose this provider?

Bradford O'Neil has been a State Farm insurance agent for more than 20 years. He offers the best homeowners' insurance policies to clients in Missouri to help them prepare for future financial risks in case their properties and personal belongings get damaged by perils like fire, storm, or hail. He also works to find the best packages for auto, renters', life, and health insurance. O'Neil is a member of the National Association of Insurance and Financial Advisors and is fluent in English, Chinese, and Spanish.

St. Louis Rating

Review Sources

4.9 (78)
5.0 (14)

Why choose this provider?

Established in 1972, Charles Meyer Insurance is an independently owned and locally operated agency that serves clients in Missouri. It works with various carriers like Progressive, Travelers, Liberty Mutual, and Nationwide to help customers secure the best insurance plans in the state. Its team members craft home insurance policies for home and condo owners, renters, and landlords. Coverage options include dwelling, personal liability, medical payments, personal belongings, and additional living expenses. The company also offers auto, boat, life, motorcycle, and workers' compensation insurance.

Lee's Summit Rating

Review Sources

4.8 (34)
4.5 (26)
5.0 (1)

Why choose this provider?

For more than 30 years, Twin Lakes Insurance Agency has been helping clients in Missouri protect their families and most valuable assets. It partners with companies like Nationwide, Acuity, The Hartford, Travelers, and CNA to select the best coverage plans for customers. Its homeowners' insurance policies cover damaged or destroyed properties, personal liability, personal belongings, and medical payments for guests injured in properties. The agency also provides auto, life, business, and health insurance products.

Lake Saint Louis Rating

Why choose this provider?

Spectrum is an independent agency that serves clients in Missouri. With connections to companies like Travelers, The Hartford, Nationwide, and Progressive, it helps customers find the best protection plans that suit their needs. It offers homeowners' insurance policies that include dwelling, personal property, personal liability, additional living expenses, and medical payment coverage. It also provides boat, condo, auto, life, business, and health insurance plans. Alissa Moore, Spectrum's founder, served on the board of the Women's Council of Realtors' St. Charles County Chapter.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
KC Ins Agency LLC
7451 Switzer Road Ste. 116, Shawnee, KS 66203
Concord Financial Alliance
2407 W Ash St, Columbia, MO 65203
DeVoy-Baker Insurance
3715 Beck Road, Saint Joseph, MO 64506
Liam Porter
1414 W 47th St, Kansas City, MO 64112
Buchanan County Mutual Insurance Co
1004 South Belt Highway, Saint Joseph, MO 64507
O'Connor Insurance
12101 Olive Blvd., St. Louis, MO 63141
Kreismann Bayer
652 N New Ballas Rd, Saint Louis, MO 63141
Goetz Agency
4586 Telegraph Rd., St. Louis, MO 63129
Brinck Insurance Group
1525 E Republic Rd b105, Springfield, MO 65804
Bradford O'Neil
3167 Morganford Road, Saint Louis, MO 63116
Charles Meyer Insurance
5516 Telegraph Road, St. Louis, MO 63129
Twin Lakes Insurance Agency
2641 NE McBaine Dr, Lee's Summit, MO 64064
6893 Lake Saint Louis Blvd., Lake Saint Louis, MO 63367


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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