Harrison Agency Inc
2100 White Gate Dr, Columbia, MO 65202
View this agency's profile to learn more about their services.
Loading...
City directory
Columbia households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2100 White Gate Dr, Columbia, MO 65202
View this agency's profile to learn more about their services.
2100 Whitegate Drive, Columbia, MO 65202
View this agency's profile to learn more about their services.
1604 Business Loop 70W, Columbia, MO 65202
View this agency's profile to learn more about their services.
1604 Business Loop 70 W, Columbia, MO 65202
View this agency's profile to learn more about their services.
2800 Forum Blvd, Suite 4B, Columbia, MO 65203
View this agency's profile to learn more about their services.
1515 Chapel Hill Rd, Columbia, MO 65203
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Columbia residents.
Complete Columbia, Missouri insurance guide. Learn about auto requirements, affordable home insurance, renters coverage, and local agents near Mizzou.
Home InsuranceColumbia home insurance averages $1,968-2,272/year. Learn why flood coverage matters after 2015 floods, what your policy covers, and how to save.
Home InsuranceColumbia homeowners pay $1,400-2,000/year on average. Learn how location, the 2015 flood, FORTIFIED roofs, and discounts affect your rates.
Home InsuranceColumbia homeowners pay $2,545-$3,020/year for insurance. Learn about tornado coverage, flood insurance, and how to save on Mid-Missouri home protection.
General Insurance EducationComplete insurance guide for Columbia, SC. Learn about 25/50/25 auto minimums, inland flood risks, tornado coverage, and why homeowners pay less than the state average.
Car InsuranceColumbia auto insurance averages $1,400-2,400/year. Learn SC's 25/50/25 requirements, why capital city rates run higher, and how to save on coverage.
Missouri requires all drivers to carry 25/50/25 liability coverage, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. You also need uninsured motorist coverage at 25/50 levels. While these are the legal minimums, most experts recommend higher limits to adequately protect yourself in serious accidents.
Columbia homeowners pay an average of $2,545 annually for homeowners insurance, which is significantly lower than the Missouri state average of $3,290. Your actual rate depends on factors like your home's age, location, construction type, credit score, and claims history. Shopping around and bundling policies can help you find even better rates.
Many off-campus housing properties in Columbia require renters insurance with at least $100,000 in Legal Liability to Landlord coverage as a lease condition. Even if it's not required, renters insurance is highly recommended because it protects your belongings and provides crucial liability coverage if someone is injured in your apartment or you accidentally cause damage. It typically costs only $15-30 per month.
No, standard homeowners insurance policies do not cover flood damage. Columbia faces flooding risks from severe thunderstorms and proximity to Missouri River tributaries, so you'll need separate flood insurance through the National Flood Insurance Program if you want this protection. Even homes outside designated flood zones can experience water damage during severe weather events.
Columbia benefits from several factors that keep insurance rates competitive: it's a college town with a relatively stable population, has lower crime rates than larger cities like Kansas City and St. Louis, features well-maintained infrastructure, and has a strong sense of community. These factors translate to fewer claims and lower risk for insurance companies, which results in lower premiums for residents.
Columbia faces several weather-related risks including tornadoes, severe thunderstorms, ice storms, and flooding. Missouri sits in the tornado corridor along with Kansas, Oklahoma, and Texas. Standard homeowners policies typically cover wind and hail damage from storms, but you'll need separate flood insurance for water damage. Consider these risks when choosing your coverage limits and deductibles.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network