Home Insurance in Joplin, MO

Learn how home insurance in Joplin, MO, gives homeowners peace of mind.
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Securing Home Insurance in Joplin, MO

With a population of just over 50,000. Joplin is a small city on Route 66 in southwestern Missouri. Once considered the zinc mining capital of the world, today it's a thriving community near the Ozark Mountains with a low cost of living and a small-town environment. If you're looking for home insurance in Joplin, MO, VIU by HUB can help you find the best rates for a policy that suits your needs.

Joplin's Economy and Demographics

Joplin's median home value is $166,758. Most homes in Joplin are single-family homes built in the late 1900s. The homeownership rate in Joplin is about 57%, and homes have appreciated by 15% over the past 10 years. The unemployment rate in Joplin is about 4%, although the poverty rate is 17%. Although Missouri does not require home insurance by law, your lender may require home insurance to protect your home. A home insurance policy covers your property and assets to manage your financial risks, giving you peace of mind.

Climate Risks for Joplin Homes

In 2011, an EF5 tornado tore through Joplin, causing over $2.8 billion in property damage. All homes in Joplin are at risk for wind damage, although maybe not winds greater than 200 miles per hour. Strong winds can rip shingles off your roof or cause debris to damage your garage or windows.

Joplin homes are also susceptible to flood damage. About 9% of all homes are at risk for flooding. Wildfires are another risk in Joplin. It's estimated that 73% of homes have some risk of being affected by a wildfire over the next 30 years. Home insurance in Joplin, MO, is one level of financial protection against the risks your home faces.

Understanding Home Insurance in Joplin, MO

Home insurance is a financial safeguard of your property. Homeowner's insurance covers many types of perils that could put your home at risk, such as:

  • Wind and storm damage
  • Fire
  • Theft
  • Liability

Home insurance in Joplin, MO, not only protects the outside of your home; it also protects your inside assets. The crime rate in Joplin is low. You only have a one in 191 chance of becoming a victim of a violent crime, but you have a one in 15 chance of becoming a victim of a property crime. If your home is damaged by criminals, your homeowner's insurance helps you cover the costs of repairs. Home insurance can also cover the costs of another place to live if you can't stay in your home.

Insurance coverage on unique perils isn't included in a normal policy. Only homeowners who face a higher risk may desire extra coverage. You can add coverage for things your policy doesn't cover, such as flooding or earthquakes. Joplin is part of a flood insurance program, so homeowners can get the right insurance to fit their risks. It's hoped that updating the flood maps will help reduce insurance costs for homes with lower risks.

Assess Your Home Insurance Needs

Home insurance in Joplin, MO, can cost around $2,700 annually, but your costs may vary based on the value of your home, your credit score and coverage options. Because home insurance rates are higher in Joplin than the national average, it's important to find good rates with great customer service. VIU by HUB can help you compare quotes to find a policy that fits your insurance needs.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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