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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.
| Missouri City Average (Annual) | Texas Average | United States Average |
| $1,006 | $3,468 | $1,548 |
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.
| Company | Average Annual Rate |
| Texas Farmers | $195 |
| United | $970 |
| Safeco | $1,060 |
| ASI Lloyds | $1,100 |
| Travelers | $1,150 |
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.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $700 |
| $200K Dwelling | $1,440 |
| $250K Dwelling | $1,480 |
| $400K Dwelling | $2,320 |
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.
| 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.
| ZIP Code | Average Annual Home Insurance Rate |
| 77479 (Sugar Land) | $1,072 |
| 77545 (Fresno) | $1,039 |
| 77489 (Fort Bend) | $1,029 |
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.
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.
| 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 |
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%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| State Farm | $1,090 |
| USAA | $1,230 |
| Progressive | $1,670 |
| Allstate | $1,860 |
| GEICO | $2,450 |
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:
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 |
| 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 |
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.
Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.