How much is homeowners insurance in Mountain View,MO

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In Mountain View, homeowners pay an average annual rate of $3,688 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,106 more than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Mountain View, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
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 this 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

In Mountain View, homeowners insurance costs $3,688 annually.
Auto Club Enterprises (AAA) offers the most affordable homeowners insurance in Mountain View with an average annual premium of $1,598.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $982 higher.

How much is homeowners insurance in Mountain View per month

According to our rate analysis, 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 United States.

In Mountain View, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

The average cost of homeowners insurance in Mountain View, MO is $2,706 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

Based on a rate analysis conducted by Insure.com, Mountain View residents pay an average of $3,688 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $982 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Mountain View by company

Among the carriers analyzed, Auto Club Enterprises (AAA) is the most affordable homeowners insurance company in Mountain View, offering an average annual rate of $1,598.

State Farm ranks second, while American Family holds the third spot with an average annual rate of $3,027.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Mountain View and compiled a list of the most affordable options.

Below are the details of home insurance companies in Mountain View 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

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.