Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Columbia

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Columbia 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.

67

Reviewed

44

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
29 N 10th St, Columbia, MO 65201
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Why choose this provider?

Vogel-Stuart Insurance Group is a Missouri-based insurance firm serving clients in Columbia and the surrounding areas. It offers all types of homeowners' insurance policies, including property insurance and homeowners' liability, renters' insurance, mobile home insurance, landlords' insurance, condo insurance, and scheduled property insurance. Its team of expert agents collaborates with clients in building their home insurance policies to make certain that all needs and requirements are taken into account. Combined home and auto insurance policies with additional bonuses are also available. Vogel-Stuart Insurance Group provides 24-hour customer service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (79)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2407 W Ash St, Columbia, MO 65203
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Concord Financial Alliance is a homeowners' insurance agency servicing individuals and businesses in Columbia. This firm seeks to understand its clients' needs and provides comprehensive insurance solutions for homes and valuables. Its insurance professionals help homeowners assess potential risks to ensure they receive adequate insurance coverage. They also review existing home insurance policies to determine whether additional coverage is necessary and recommend policy updates for appropriate financial protection. Concord Financial Alliance has renters and umbrella insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
116 North Garth Avenue, Columbia, MO 65203
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Kasmann Insurance Agency is a locally owned business that has been providing insurance solutions since 1923. This independent insurance agency serves Columbia and nearby areas. Its team of professionals offers homeowners' insurance services covering the client's dwelling, other structures, additional living expenses, medical payments, and personal property. The home insurance policy covers perils such as vandalism, explosion, theft, water damage, and civil commotion. Events that are not covered include earthquakes, nuclear hazards, and intentional losses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.8 / 5 (16)
Facebook
4.2 / 5 (5)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3928 South Providence Road, Columbia, MO 65203
  • Personal Property Insurance

Why choose this provider?

Naught-Naught Agency is one of the largest independent insurance agencies in Missouri that offers insurance solutions to clients in the Columbia metro. The company provides homeowners' insurance policies that provide coverage for damage and losses to the property, other home structures, as well contents within the property. Naught-Naught Agency has extensive experience offering policies that cover scheduled properties such as jewelry, silverware, fur, and other rare and valuable items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.7 / 5 (15)
Facebook
3.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1517 Chapel Hill Road, Columbia, MO 65203
  • Renter's Insurance
  • Flood
  • Condos

Why choose this provider?

Walker-Winter Insurance is a team of insurance professionals that offers personal and commercial policies to clients in the Columbia metro. The company offers homeowners' insurance policies that financially protect dwellings, detached structures, and personal belongings from damage arising from natural disasters, theft, and falling objects. Its policies also include medical expenses and liability coverage for accidents and other mishaps that might happen within the property. The company also offers policies for other types of homes such as condos and RVs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (63)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1424 B West Ashley Road, Boonville, MO 65233
  • Multiple Policy Types

Why choose this provider?

Jennifer Wesselman, State Farm Insurance Agent, is an office that's been active since 2014, and it helps clients with all aspects of homeowners insurance. This office sells policies that cover any construction costs associated with repairing damaged residential properties, and coverage is available to cover possessions and any liabilities caused by guests too. Jennifer Wesselman, State Farm Insurance Agent, also sells insurance policies that cover automobiles and business properties. Health and life insurance plans are available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.9 / 5 (34)
Google
4.7 / 5 (27)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3809 South Providence Road, Columbia, MO 65203
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

The Insurance Shop LLC sells homeowners insurance plans to clients in the Columbia metro area. It assists them with a multitude of different needs if they need to insure properties or any belongings inside and provides a range of quotes for their coverage options. Coverage is available for a wide variety of potential circumstances such as floods, fire, or vandalism. The Insurance Shop LLC also insures condos and mobile homes and offers renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2100 Whitegate Dr, Columbia, MO 65202
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

The independent agency Harrison Agency, Inc. helps homeowners in Columbia protect their assets from the risks of property damages and premises liability. Its homeowners' insurance policies offer coverage for off-premises theft, personal injury, wine collection, excess liability, additional living expenses, and medical expenses. It works to determine the client's current risk status and recommend custom coverages that can address them. Other personal insurance policies that the agency offers are valuable possessions insurance and high net worth insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
103 Corporate Lake Dr 103A, Columbia, MO 65203
  • Life Insurance

Why choose this provider?

Veterans United Insurance focuses on helping active and retired military personnel in Columbia get insurance products that fit their needs. The company offers home insurance options, such as liability coverage, loss of use, personal property, and dwelling coverage. It also has life, auto, and watercraft insurance policies. Additionally, umbrella policies are available for clients who are looking to get additional coverage for damages and liabilities beyond what their traditional policies offer.

License Verified:

License: 8041531

Missouri Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1604 B Business Loop 70 W, Columbia, MO 65202
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Insurance Plus works with different insurance carriers to offer personal and business insurance solutions in Columbia. Its insurance specialists assist homeowners in finding applicable insurance plans through comparative quotes from insurance providers. These agents handle both traditional and specialty dwelling policies, the latter being applied to rental properties and unoccupied homes. Homeowners receive financial coverage for property damage, liability claims, and loss of use. Insurance Plus has partnerships with personal insurance companies such as United Home Insurance Co.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.
  • Does Columbia homeowners insurance provide coverage for storm-related tree removal services?

    Homeowners insurance in Columbia will pay the costs of storm-related tree removal, based on whether the tree was uprooted or where the fallen tree fell. Furthermore, a structure which is protected by the insurance policy must have been damaged by the tree in order for your insurance company to pay for the tree removal service. For instance, a tree could fall and harm your home's roof or front porch.

  • Do homeowners insurance in Columbia will cover the foundation damage due to poor construction-related problem?

    No, homeowners insurance in Columbia will not pay for foundation damage resulting from issues with poor construction. Only property repairs that were triggered by an unplanned, unexpected, and sudden event will be covered by your insurance company. To prevent issues with your property due to poor construction, it is essential to get a home inspection before purchasing a home.

  • Can you claim the cost of your Columbia home insurance as a tax deduction?

    No, you cannot claim the cost of your Columbia home insurance as a tax deduction if you are just utilizing your house as a personal residence. Only private mortgage insurance is permitted as a tax deduction, as per the IRS. There are, however, some exceptions to this rule, such as if you have a workspace in your home or a tenant residing inside your property.

  • When you're looking for homeowners insurance in Columbia, how do the insurers utilize your credit score?

    When seeking for homeowners insurance in Columbia, insurers will consider your credit score when determining whether to give you a fresh policy, whether to extend your current policy, and how much to charge you for insurance. Insurance premiums based on credit scores can differ from one company to another. If you believe your rate is too high, look around for a lower one.

  • How much does home insurance in Columbia cost on a monthly basis?

    The average home insurance premium in Columbia is $123. The premium will depend on a number of variables, such as your credit rating, your claims history, the roofing you have, and the age and value of your house.  As a result, your monthly Columbia homeowners insurance premium may differ from this average.

  • 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.

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