We collected thousands of home insurance policies and conducted a comprehensive analysis of the insurance market in Kansas City, Missouri, analyzing data from the Missouri Department of Insurance and the Kansas State Insurance Commission. This calculated the total cost of insurance for each Missouri home for 2010 and 2011.

The rates of Missouri's largest home insurer aren't as affordable as our top two tips, but the average rate we found for the USAA is about $1,000 less than the state's top three home insurers. Travelers in Kansas City, Missouri, have the highest average home insurance rates, at $2,500, while the largest insurer, American Home Insurance Company, is the second-lowest at just over $3,300.

Auto Club Family has the second lowest average home rate, while Liberty tops the list at $2,507, about $1,000 less than the state's three largest home insurers. The USAA has long offered insurance, especially for military personnel, but its homeowners "insurance costs more than twice as much as Liberty's and about three times as much as American Home Insurance Company's.

Unlike the rest of the Midwest, St. Louis is more likely to have home insurance prices affected than other cities in the state. The higher risk affects insurance premiums because the city has a higher percentage of uninsured people and higher rates of home damage than any other city.

Sinkholes can cause damage to homes and properties, so talk to your insurer about the risk and see if there is cover.

PERS insurance can help you find the best homeowner insurance that best suits your needs and provides tailor-made coverage. Contact the National Flood Insurance Program, which has teamed up with the Kirkwood insurance agent to sell you flood insurance. Talk to your Kirkton Business Insurance Agent about the right policy from Nationwide to find out more about the insurance options in your area. Check for insurance coverage for your home and property in the St. Louis area and find a local insurance company near you for more information.

For general information about home contents insurance in Missouri, see our guide to the best home contents insurance in Missouri. For those considering moving to another state, we also offer a national overview of home insurance rates. If you live in the St. Louis, Missouri area and are interested in insurance coverage for your home and property, you can find homeowner insurance that meets your needs.

To help Missouri homeowners find the right provider, we examined the Missouri home insurance market and assessed dozens of large companies for their ability to meet their customers "needs. We've collected thousands of home insurance quotes to find out which insurance companies offer the lowest rates in the state, and collected hundreds of quotes from the best home insurance companies in St. Louis County to help you find them. To help homeowners in Kansas City, Missouri, find the highest quality insurance in their state and compare premiums, policies, and customer satisfaction, we evaluated a dozen large companies based on their evidence of meeting customer needs. Not only have we found that Shelter is getting a higher rate than you'd expect from an insurance company of this size, but it also has good customer service.

Bundling your home and car insurance with one company can save you anywhere between 10 and 20 per cent. AAA claims its customers can save $25 to $12 by bundling their policies with Travelers, the largest home insurer in St. Louis County. You can also save up to 15 to 13% on your car by combining both policies with travelers.com.

Shelter also offers smaller insurance companies a variety of options for home and car insurance coverage in St. Louis County. These options include an agreed-upon one - worth up to $1,000 to cover your losses, as well as free home contents insurance for your home.

These policies cover personal property and civil liability, but do not cover the physical structure of the house. Standard home insurance policies cover claims, and some types of claims require separate cover. HO-3 policies offer your own liability and loss-use cover for your home and car insurance.

You may need to take out a separate policy from the Government-funded National Flood Insurance Scheme. Don't assume that all homeowners are insured equally or that they don't cover flooding.

Finally, AAA does not offer online listings for homeowners, so you will need to work with an agent to find a rate. AAA Insurance recommends Missouri homeowners focus on finding the best insurance rates for their home and property in their area.

If you find that your neighborhood is not playing well with others, your car insurance may consider insuring you at higher risk, meaning that your rate could be higher than your buddy who lives nearby. If you can afford to buy a house in a neighborhood with a higher crime rate and higher crime rates, then that will be reflected in your home insurance. Insurance in Missouri is lower than in many other places because coverage has been increased and supplemented to make homes safer. It can be difficult, if not impossible, to discern the difference between the insurance policies of two homeowners without using an independent agent in St. Louis.