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 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.

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 company

Among 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.

Common natural disasters in Missouri that may affect home insurance

Natural 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 disasters

Home 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.

Shivani Gite

Contributing Writer

 

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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.

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