Home Insurance St. Peters, MO

Home insurance in St. Peters, MO, protects your investment from storm damage and other common concerns for local property owners.
Compare, shop and customize quotes from top-rated insurance carriers.

Shielding Your St. Peters Home From the Unexpected

St. Peters, Missouri, is a fast-growing riverfront city near the Illinois border in the St. Louis metro area. This one-time farming community is now a thriving suburb with nearly 58,000 residents at the latest U.S. Census. St. Peters boasts more than 1,000 acres of parkland and a world-class Olympic diving facility. If you plan to buy property in this area, protect your investment with solid home insurance in St. Peters, MO.

Purchasing Property in St. Peters

St. Peters has a lower-than-average median home value of $260,000 and an appreciation of nearly 83% over the past 10 years, according to Sperling's Best Places. The entire county has seen a significant boom in new construction, representing 40% of the single-family home permits in the St. Louis metro area in 2022.

Possible Pitfalls for Homeowners

The Missouri Department of Commerce and Insurance reports that homeowners in the state had a total of more than $1.1 billion in claims in 2022. Wind and hail damage caused by tornadoes made up more than half of these claims (nearly $500 million), followed by all other claims ($326 million), lightning and fire claims ($283 million) and theft and vandalism claims (about $12 million).

St. Peters has a relatively low rate of property crimes compared to the rest of the state. However, it's important to insure your home against the risk of tornados and other severe storms.

Cost of Home Insurance in St. Peters, MO

According to data from Nerdwallet, St. Peters homeowners pay an average of $189 a month or $2,270 annually for their home insurance policies. That's a savings of nearly $500 per year and $40 per month over the Missouri average of $2,735 per year or $228 monthly. However, you'll pay a bit more than the national average of $1,820 per year for homeowner's insurance.

It makes sense to shop around for home insurance in St. Peters, MO. Prices can vary significantly depending on the type of home you have, the age of the home and the proximity to a fire department and related resources. Different companies also have different rates, so be sure to compare before you purchase a policy.

Required Missouri Home Insurance

Missouri homeowner's insurance covers the cost to repair or rebuild your home after a catastrophic event. It also pays for stolen or damaged personal property and a percentage of medical expenses if someone outside the family experiences an injury at your home. Missouri doesn't require homeowners to carry insurance, but your lender may have minimum requirements if you have a mortgage on your home.

Examples of covered catastrophic events include hail, windstorms, smoke, heavy snow or ice, theft, damage from a vehicle, vandalism and lightning. Standard policies do not cover normal wear and tear, sewer backup, earthquake or flood damage. However, you can purchase additional rider policies to pay for some of these costs. You can compare coverage and rates across providers in minutes with VIU by HUB.

Breathe Easy With Excellent Home Insurance in St. Peters, MO

Having the right home insurance in St. Peters, MO, reduces the amount you may have to pay out-of-pocket after an unexpected event. If you want to buy a new policy or expand your coverage, you can find affordable costs by shopping around with VIU by HUB.

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



Missouri Department of Commerce and Insurance


Sperling's Best Places

U.S. Census Bureau

Home insurance in Missouri by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.