Missouri City, TX Homeowners Insurance

Missouri City is conveniently located a few minutes away from downtown Houston and all the amenities the metropolitan area offers. It is close to major freeways, rail lines, the Port of Houston, and the Bush and Hobby Airports. Missouri City’s strategic location links its businesses with customers around the nation and the world.

With a population of around 75,000, Missouri City is the 54th most populated city in Texas. Homeowners in Missouri City should consider getting homeowners insurance as it is a necessity of homeownership. In addition to your possessions, homeowners insurance protects your house in the case of potential dangers, including burglary, arson, strong winds, and vandalism. Given the relative prevalence of such incidents—along with the high expense of restoring or fixing home damages—getting homeowners insurance is a wise choice.

Several things can impact your Missouri City homeowners insurance premium. Your past claim experience, home valuation, and your home’s age are some of the factors that insurers take into account when determining policy prices.

How Much Does Home Insurance Cost in Missouri City?

Homeowners Insurance: Missouri City Rates Vs. State + National Averages

Missouri City Average (Annual) Texas Average United States Average
$1,006 $3,468 $1,548

Missouri City Home Insurance Cost by Company

Missouri City homeowners insurance premiums vary based on the insurance provider you choose. Texas Farmers provides the most affordable home insurance in Missouri City at an average of $195 a year, which is cheaper than the city’s overall homeowner premium of $1,006.

To get started with your homeowner’s insurance hunt, check out the cheapest providers in Missouri City, Texas.

Affordable Homeowners Insurance Companies in Missouri City

Company Average Annual Rate
Texas Farmers $195
United $970
Safeco $1,060
ASI Lloyds $1,100
Travelers $1,150

Missouri City Home Insurance Prices by Coverage Level

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. In Missouri City, carrying a $200K dwelling coverage costs an average of $1,440 per year, while getting additional coverage up to $400K costs $2,320 per year.

Homeowners Insurance Rates in Missouri City—Popular Coverage Limits

Coverage Level Average Annual Rate
$100K Dwelling $700
$200K Dwelling $1,440
$250K Dwelling $1,480
$400K Dwelling $2,320

Missouri City Home Insurance Rates by ZIP Code

Depending on where you live in Missouri City, you may see a significant difference in your homeowners insurance cost. The number of lawsuits filed in your geographic area can be a factor in calculating your policy’s price.

If you’re looking for the most affordable homeowners coverage in Missouri City, take a look at Sienna Plant (ZIP code: 77459), which has an average annual premium of just $699 per year.

If you’re looking for the areas with the most affordable homeowners insurance in Missouri City, take a look at the table below.

Affordable Neighborhoods for Homeowners Insurance in Missouri City

ZIP Code Average Annual Home Insurance Rate
77459 (Sienna Plant) $699
77071 (Brays Oak) $801
77477 (Stafford) $905 

However, a few areas in Missouri City have higher average home insurance premiums. These neighborhoods are more vulnerable to threats such as burglary, adverse weather, or fires that pose higher risks to insurance providers. One of the most expensive ZIP codes for homeowners insurance in Missouri City is 77479 (Sugar Land), with an estimated annual premium of $1,072.

Expensive Areas for Homeowners Insurance in Missouri City

ZIP Code Average Annual Home Insurance Rate
77479 (Sugar Land) $1,072 
77545 (Fresno) $1,039
77489 (Fort Bend) $1,029

Number of Catastrophes in Texas and the US

  • National number of catastrophes: 19,053
  • Number of catastrophes in Texas: 1,955
  • National number of tornadoes: 1,235
  • Number of tornadoes in Texas: 221
  • National property damage from weather: $5,511,272,000
  • Property damage from weather in Texas: $1,026,150,020

Missouri City lies in the “Flash Flood Alley” part of central Texas, and flash floods take more lives in Texas than any other form of natural disaster. It is also at the very southern tip of the Tornado Alley. Recent Central Texas wildfires have also affected the region. Ensure that you have coverage for all kinds of natural catastrophes by setting the correct insurance parameters in your existing policy.

Missouri City Home Insurance Prices by Deductible Amount

One of the primary considerations when looking at homeowners insurance plans is how much your deductible will be. A homeowners deductible is the amount that the insured would pay before getting a claim for loss. When choosing a deductible, the simple rule is that the smaller your deductible, the higher the premium. This means that if you want cheaper premiums, you should go for a higher deductible. Always remember that when choosing the deductible amount, it should be something you can afford to fork out when filing a claim.

Below are some typical deductibles paid by most home insurance providers and their corresponding insurance premiums.

Homeowners Insurance Premiums by Deductible Amount in Missouri City

Deductible Amount Average Annual Home Insurance Rate
$500 $1,355
$1,000 $1,248
$1,500 $1,184
$2,000 $1,085
$5,000 $959

Money-Saving Tip for Getting Home Insurance in Missouri City

If you want to save on your average homeowners insurance premium, buy your homeowners and auto insurance plans from the same insurance provider. Bundling policies in Missouri City contribute to an average annual savings of 6%.

Cheapest Homeowners Insurance and Auto Insurance Bundle in Missouri City

Company Avg. Annual Auto Insurance Rate (With Bundle)
State Farm $1,090
USAA $1,230
Progressive $1,670
Allstate $1,860
GEICO $2,450

Missouri City Home Insurance Coverage Options

Buying homes insurance doesn’t have to be complicated and frustrating. Below are some details on the standard types of insurance coverages and what they are for:

  • Dwelling Coverage: This is your standard insurance policy covering losses and damages to your property’s physical structure.
  • Personal Property Coverage: You may want personal property coverage for your possessions, whether inside or outside your home.
  • Liability Protection: Liability protection covers you if you hurt someone or damage another person’s property.
  • Guest Medical Protection: This coverage is specifically to cover people who are injured on your property.

Best Home Insurance Companies in Missouri City

Price is one factor to consider when you’re shopping for homeowners insurance in Missouri City. The insurer’s financial stability is also a critical consideration because it demonstrates its potential to handle claims. Always review the J.D. Power ranking, AM Best Financial Rating, and Better Business Bureau’s ratings for home insurance.

Company J.D. Power Ranking A.M. Best Rating BBB Rating
Allstate 5 out of 5 stars A+ (Superior) A+
Amica 5 out of 5 stars A++ (Superior) B-
Liberty Mutual 3 out of 5 stars Not rated A
State Farm 3 out of 5 stars A++ (Superior) A++
Texas Farm Bureau Insurance 3 out of 5 stars A+ (Superior) A

Top Home Insurance Agents Near Missouri City, TX

Home Insurance Company Near Missouri City, TX Address
BKCW Insurance 2100 Trimmier Rd Suite 100, Missouri City, TX 76541
Alan Cox State Farm 1201 E Central Texas Expy, Missouri City, TX 76541
Kalynn Tindall – State Farm Insurance Agent 2301 E Central Texas Expy Ste 104, Missouri City, TX 76543
Connell Insurance Agency 3602 E Central Texas Expy, Missouri City, TX 76543
William Rochelle: Allstate Insurance 4400-3 E Ctrl Tx Expy, Ste C, Missouri City, TX 76543

Homeowners Insurance Resources for Missouri City Residents

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Missouri, TX Homeowners Insurance FAQs

Yes, homeowners insurance covers loss from a vehicle smashing into your house. Harm incurred by cars in your home is identified as a liability protected by regular home insurance plans. Even though the incident may not be your fault, you will be responsible for paying your home insurance deductible. Or you can sue the driver for the damage. If you can collect it or not is another question.

Your homeowners insurance will likely expire automatically if you don’t pay your premium on time.

Although health and life insurance plans are required by state statute to provide you with a grace period for premiums, property,  and liability insurance policies; car and home insurances are not usually obligated to do so.

A 10-day cancelation notice is to be sent before the homeowners insurance is canceled. However, the cancelation notice for non-payment will likely be included in your bill and not submitted as a separate notice. 

Many regular homeowners insurance plans prohibit aircraft exposure provisions but can have “model or hobby aircraft” coverage, such as your drone. If your insurance provides this coverage, and if you crash your drone and inflict physical harm or collateral loss, the terms and conditions of your policy should apply.

If you wreck the drone, it can still be covered by the personal property section of your homeowners coverage. However, the deductible for the coverage may be higher than your drone.

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