How much is homeowners insurance in Mountain View,MO

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The average cost of homeowners insurance in Mountain View is $3,688 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,106 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Mountain View depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Mountain View, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Mountain View.

Key Takeaways

The cost of your homeowners insurance policy in Mountain View can vary based on factors such as your location, the value of your home, and the coverage options you select.
Auto Club Enterprises (AAA) is the cheapest homeowners insurance company in Mountain View with an average annual premium of $1,598 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $982 more annually for home insurance.

How much is homeowners insurance in Mountain View per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Mountain View pay an average of $307 per month. It’s $13 more than the state average of $294 and $92 more than the national average for home insurance across the nation.

How much is homeowners insurance for a $200,000 house in Mountain View

In Mountain View, MO, homeowners pay an average of $2,706 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in Mountain View

According to a rate analysis by Insure.com, homeowners in Mountain View pay an average of $3,688 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $982 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Mountain View by company

Among the carriers we analyzed, Auto Club Enterprises (AAA) is the most affordable homeowners insurance company in Mountain View. Its average annual rate for homeowners in Mountain View is $1,598 , while State Farm ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Mountain View and compiled a list of the most affordable home insurance companies.

Below are details of Mountain View home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Auto Club Enterprises (AAA)	$1,598
State Farm	$2,526
American Family	$3,027
Shelter Insurance	$3,289
Nationwide	$3,881
Allstate	$4,329
Farmers	$7,511
USAA*	$2,648

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Missouri that can impact your home insurance

Living in Missouri means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Missouri is commonly affected by Heat wave, Ice storm and Winter weather.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mountain View for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.