A move, a new home, or a first rental property can change your insurance needs overnight. Personal insurance in Missouri works best when your home, auto, and liability coverage are reviewed together.
Looking for personal insurance in Missouri? Whether you just moved to Kansas City or St. Louis or are turning your old house into a rental, a Blue Peak advisor can help you sort out home and auto insurance in Missouri and keep your coverage in step with your life.
Moves and big life changes are when coverage gaps tend to appear. Blue Peak helps you catch them early.
Here is how the core personal policies fit together for many Missouri households.
A homeowners policy can help repair your home and replace belongings after a covered loss. Renters coverage protects your belongings and liability when you do not own the building. See home insurance in Missouri for more on dwelling limits and coverage options.
Missouri requires liability coverage of at least $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage. Drivers must also carry uninsured motorist coverage. Review your options on our auto insurance page.
If you are found responsible for an injury or property damage, your home and auto liability limits are the first line of protection. Personal umbrella insurance can add more coverage above them.
A licensed Blue Peak advisor can review your home, auto, and rental coverage and help you request quotes.
Moving to Missouri, or within it, is a good time to check every policy.
Update the garaging address on your auto policy and confirm your vehicles are registered and insured correctly. Your new home may also need different limits than your old one, since rebuild costs and risks vary by location.
A homeowners policy is written for a home you live in. If you move out and rent the house to tenants, that policy may no longer fit. A landlord policy is designed for rental properties and can include coverage for lost rental income. Learn more about landlord insurance in Missouri.
Homes near rivers and creeks can flood, and most homeowners policies exclude flood damage. Ask about separate flood insurance if your property could be at risk.
Use this checklist when you move, buy, or rent out a property:
The Missouri Department of Commerce and Insurance (DCI) licenses the insurers and agents that sell personal insurance in Missouri. If you have a question about a claim or a company, DCI's consumer services team can help, and you can confirm any agent's license on the Missouri Department of Commerce and Insurance website.
Missouri faces tornadoes and hail every spring, flooding along the Missouri and Mississippi rivers, and earthquake risk from the New Madrid Seismic Zone in the southeast corner of the state. Earthquake damage is excluded from a standard Missouri home policy, so homes in the Bootheel and the St. Louis area may need a separate earthquake endorsement.
Blue Peak works with individuals and families in Kansas City, St. Louis, Springfield, Columbia, Independence and Lee's Summit, as well as smaller towns across Missouri. Our advisors compare options from multiple carriers and explain how Missouri rules apply to your personal insurance before you decide.
Personal insurance usually covers your home or apartment, your vehicles, and your personal liability. It can also include landlord, umbrella, flood, boat, and motorcycle coverage, depending on what you own.
Missouri requires liability coverage of at least 25/50/25 and uninsured motorist coverage of at least $25,000 per person and $50,000 per accident for bodily injury. Higher limits are available.
You will need to update your auto and home coverage to reflect your new address and Missouri requirements. An advisor can help you make the switch without a gap in coverage.
Usually not. Homeowners policies are written for homes you live in. Once tenants move in, a landlord policy is typically the right fit. Check with an advisor before the lease starts.
Most homeowners policies do not cover flood. You can buy separate flood insurance, and most flood policies have a waiting period before coverage begins.
Your insurance should keep pace with your moves, your properties, and your family. Reviewing every policy together helps you avoid gaps when life changes.
Start with our personal insurance overview, or talk with an advisor about home and auto insurance in Missouri.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Missouri is regulated by the Missouri Department of Commerce and Insurance. The department licenses agents and insurers and reviews consumer complaints in Missouri.
Before you buy any policy, you can confirm that an agent or agency holds an active Missouri license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Missouri.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
