Home Insurance in Columbia

Make your home and items inside more secure with affordable home insurance in Columbia, Missouri.
Compare, shop and customize quotes from top-rated insurance carriers.

Ensure Your Home Is Covered in the Heart of America

Columbia, which sits in the middle of Missouri, is a vibrant city of progressive discourse, environmental sustainability, classical architecture and Midwest charm. The 128,555 residents of this city enjoy its proximity to the Missouri River and its status as home to the iconic University of Missouri. Residents can take advantage of competitive rates for home insurance in Columbia to protect their investments.

Columbia's Diverse Climate and Potential Hazards

The average age in Columbia is 28. indicating a large population of Generation Z and millennials. Nearly 50% of homes in the city are owner-occupied. and a little more than half of the properties here are rented. Homeowners and investment property owners must make the right choice when it comes to home insurance, and VIU by HUB can help with quotes and information about coverage.

According to the National Risk Index from FEMA. the top potential hazards for property owners in this region are tornadoes, heat waves, cold waves, lightning and strong winds. Another big risk of living in Columbia is becoming a crime victim. There is a 1 in 38 chance of becoming a property crime victim in Columbia, which is much higher than the national average. Neighborhoods closer to downtown may pay higher rates for home insurance due to recording more crimes.

Keeping Home Insurance Affordable for Your Family

The average annual premium for home insurance in Columbia is $3,111. This is much higher than the national average people pay for home insurance in other cities. Rates may vary for individual properties and customers when factoring in a person's credit score, property value, exact location and specific risks.

Columbia homeowners pay higher rates for home insurance due to the city's location in the middle of Tornado Alley. Additionally, other extreme weather events, such as heavy snow or frequent heat waves, make this area more expensive for home insurance. Consumers can save money by shopping around and doing their research about coverage options. It's easy to compare rates with VIU by HUB.

Details About Home Insurance Coverage

Different levels of home insurance coverage can protect properties in Columbia. If you own a home in this city, you must acquire home insurance to safeguard your property against potential disasters, such as fire, storms, theft, vandalism, falling objects and other perils. Insurance agents work with clients to customize coverage that fits their needs and considers the neighborhood, age of the home, type of building and customer preferences.

  • Dwelling Coverage - Dwelling coverage covers damage or destruction to the home's structure. Insurance premiums help pay for the costs to rebuild or repair the home.
  • Personal Property Coverage - Personal property coverage gives homeowners protection for the items inside of their home. Belongings such as electronics, furniture, clothing and appliances are usually covered by this part of a policy. High-end items, such as luxury goods or fine jewelry, may need additional coverage if not protected by the basic limits.
  • Liability Coverage - If someone gets hurt on someone else's property, liability coverage is there to provide protection. This may cover medical and legal costs of injuries that happen on the homeowner's property.

Find a Home Insurance Plan That Meets Your Needs and Budget

You can secure the right home insurance in Columbia for your home and family. VIU by HUB can give you a way to compare rates and show you all of the potential coverage options for your home.

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


Columbia and Boone County Guide

Columbia, Missouri Facts for Kids

Investopedia Homeowners Insurance Guide

Census Quick Facts About Columbia

Census Reporter

Data USA

National Risk Index from FEMA

Neighborhood Scout


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