Best Renters Insurance Missouri / Compare Costs & Coverage In MO

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Best Renters Insurance Missouri

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Location is the #1 factor in determining the cost of your renter’s insurance

So it makes a lot of sense for you to search Best Renters Insurance Missouri if you need a policy. 

However, a Missouri Renters Insurance search can take a lot of time and leave you frustrated with unanswered questions. 

But, it doesn’t have to be that way. 

Finding cheap MO Renters Insurance can be a simple process that can be completed online today in just a few minutes. 

We’ll review everything you need to know about the cost and coverage's and where to get the best Renters Insurance in Missouri online.

Update: 2021 Missouri Renters Insurance Review

Need a Missouri renters insurance cover? This review contains everything you need to know about renters insurance in MO. 

No matter what city you live in, landlords in Missouri can require renters insurance. The section below will walk you through the percentage of Missourians renting, the best renter’s insurance policies in MO, and some of the state's top renters insurance selling companies. 

You will also learn what your renter’s insurance policy in Missouri will cover and how much it might cost you. If you’ve never bought renters insurance before, fret not — you’ll learn what makes the best insurance in Missouri as well.

What Factors Determine A Missouri Renters Insurance Rate?

Besides location, the building and unit size you’re renting affects how much you’ll pay as premiums for your Missouri renters insurance. Usually, the larger the building, the lower your rate will be. Your volume of valuable stuff can also increase your renter's insurance in MO. 

Similar to location, the better your building’s security features, the lower your renter's insurance in MO will cost. Your credit history matters too. The better it is, the lower the insurance rate you’ll pay and vice versa. 

Other factors affecting Missouri renters insurance rates include deductibles, fire prevention features, and bundle policies.

Can A Landlord In Missouri Require Renters Insurance? 

It doesn’t matter if you live in Kansas City, St. Louis, or Springfield, landlords can be a pain. 

A question we are often asked by soon to be tenants, is, ‘Can a landlord in Missouri require renters insurance?’

The simple answer is Yes. 

If MO renters insurance is included as a requirement in your lease, you must comply with those terms and buy rental coverage. 

This isn’t necessarily a MO thing because the answer to, ‘Is renters insurance required in Missouri?’ It is the exact opposite. 

No, Missouri does not require renters insurance, but with 7% of people in Missouri renting, it makes a lot of sense to protect your self and your stuff. 

A good place to start would be by determining What Is Renters Insurance And Why Do I Need It.

FREE Renters Insurance Quotes - MO - Cities

Location is the biggest factor in determining the cost of your renters insurance.  You can save money by getting a quote from an insurance company near you. 

Select Your City Below

What Is The Best Renters Insurance In Missouri?

It is estimated that the State of Missouri has over 435,678 renters, and every one of them should be looking for the best renters insurance in MO

MO has the best renters insurance options offered by multiple, well known, and respected insurance companies. 

It doesn’t matter if you are in Kansas City or St. Louis to get the best MO renters insurance you will want to get the right coverage.

Several factors go into finding the best renters insurance in Missouri that will affect your policy. 

Your past insurance history, desired coverage amounts, the location of the rental, and this one may come as a bit of a surprise, but your credit score may also be considered.

You can learn more about the process in our article, How To Get Renters Insurance

Which Companies Offer Renters Insurance In Missouri?

What Does Renters Insurance Cover In Missouri 

Many MO residents in Columbia and Independence mistakenly believe that their Landlord’s insurance protects their personal items. 

This is not the case and is the reason you need to know, ‘What does renters insurance cover in Missouri.’

MO Renters Insurance covers personal loss due to fire, theft, or vandalism. 

A Missouri Renters Insurance policy will also cover your liability if a guest is injured on-premises or you damage the Landlord’s property. 

A Renters Insurance Missouri policy does not cover your personal possessions that may break by accident or normal wear or tear. 

Get a much more complete answer to in our article,  What Does Renters Insurance Cover.

Coverage Type

What It Should Cover...

Personal Property

This coverage is for your personal stuff, clothes, electronics, furniture, etc. Should cover up to policy limits.


This will cover you if you accidentally damage your Landlords property or a guest is injured and it is your fault.

Additional Living Expenses

If your place is damaged so bad you can't stay, you will be reimbursed for things like hotel bills.

Recommended Amount Of Renters Insurance In Missouri?

It is difficult to recommend the amount of Missouri renters insurance you may need.

This is because the factors that go into deciding on your coverage amounts are particular to each individual. 

Location plays a significant factor in the recommended amount of renters insurance in Missouri

This is because if you live in Kansas City, St. Louis, or Springfield, you may need more or less based on the value of the property you are renting. 

The bottom line is you should probably buy as much insurance as you can comfortably afford based on the value of your personal possessions. 

We get a lot more in-depth in helping you make this decision in our article How Much Renters Insurance Do I Need.

How Much Is Renters Insurance In Missouri 

The cost of renters insurance in MO depends primarily on your coverage's and the location of your rental. 

Answering the question of, ‘How much is renters insurance in Missouri’ would be difficult without knowing your personal situation and preferences. 

However, renters insurance Missouri  costs on an average annual basis of $173.00

The average cost of renters insurance in Missouri monthly is $14.42, which is very affordable. 

Keep in mind to determine how much is renters insurance in MO your rental location could make these average costs much higher or lower.

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Cheapest Renters Insurance MO 

It would help if you didn’t live in places like Kansas City, St. Louis, and Independence to get the cheapest renters insurance in Missouri

Location plays a huge role if you want to get cheap renters insurance MO

That means places like Springfield and Columbia may be cheaper because the property values should be less. 

Two other factors will help you get the cheap renter’s insurance Missouri, which includes your insurance claim history and your credit score. 

If you are living in a relatively cheap property with no rental claims and a good credit score, expect the cheapest renters insurance in MO.

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