Home Home insurance Average home insurance cost Missouri Mountain View, MO How much is homeowners insurance in Mountain View, MO Homeowners insurance typically costs $3,688 annually in Mountain View, according to Insure.com’s rate analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Mountain View, homeowners pay an average annual rate of $3,688 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,106 more than the national average of $2,582. Homeowners insurance rates change from one home to another. The home insurance premium in Mountain View depends on various factors, such as: Size of your home Age of your home Amount of coverage you need Location Your credit score To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements. Read this guide to learn how much homeowners insurance costs monthly in Mountain View, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Mountain View. Key Takeaways Homeowners insurance costs $3,688 per year in Mountain View.At $1,598 per year, Auto Club Enterprises (AAA) offers the cheapest homeowners insurance in Mountain View.Your home insurance rates increase by $982 more annually if you increase your dwelling coverage from $200,000 to $300,000. 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 Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,706 per year in Mountain View, MO. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums. It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurancecoverage. How much is homeowners insurance for a $300,000 house in Mountain View As per rate analysis by Insure.com, homeowners residing in Mountain View typically pay an average of $3,688 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible. Your home insurance rates will be increased by $982 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in Mountain View by companyAmong the carriers analyzed, Auto Club Enterprises (AAA) is the most affordable homeowners insurance company in Mountain View. It’s 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)$1,598State Farm$2,526American Family$3,027Shelter Insurance$3,289Nationwide$3,881Allstate$4,329Farmers$7,511USAA*$2,648 TIPCombining 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. Common natural disasters in Missouri that may affect home insuranceNatural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.Heat wave, Ice storm and Winter weather are some of the common natural disasters in Missouri that could affect your home insurance costs.How home insurance protects you against natural disastersHome insurance plays an important role in safeguarding your property and belongings from the financial burden caused by natural disasters. While standard policies usually cover damages from events like windstorms, hail and lightning, certain disasters, such as floods, earthquakes and wildfires, require additional coverage.These types of damage are generally not included in a standard home insurance policy, so homeowners must purchase separate flood or earthquake insurance to be fully protected.Home insurance can cover repair costs for structural damage, replace lost or damaged belongings and provide funds for temporary living arrangements if your home is rendered uninhabitable. This coverage offers financial support, helping homeowners recover more quickly from the impacts of natural disasters. Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mountain View for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesKansas CitySpokaneShivani GiteContributing 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. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Best renters insurance companies in 2025 By Shivani Gite How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir On this page How much is homeowners insurance in Mountain View per month How much is homeowners insurance for a $200,000 house in Mountain View How much is homeowners insurance for a $300,000 house in Mountain View How much is homeowners insurance in Mountain View by companyCommon natural disasters in Missouri that may affect home insuranceHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates