Assured Partners Of W. Va. DBA Insurance Systems, Inc.
12645 Olive Blvd, Ste 300, Saint Louis, MO 63141
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12645 Olive Blvd, Ste 300, Saint Louis, MO 63141
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Suite 201, 9191 West Florissant Ave, Saint Louis, MO 63136
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9191 W Florissant Ave, Ste 201, Saint Louis, MO 63136
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50 Crestwood Executive Center, Suite 200, Saint Louis, MO 63126
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345 Marshall Ave, Ste 200, Saint Louis, MO 63119
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10097 Manchester Rd, Suite 100, Saint Louis, MO 63122
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4111 Telegraph Rd, Suite 200, Saint Louis, MO 63129
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652 N New Ballas Rd, Saint Louis, MO 63141
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6825 Clayton Avenue, Suite 200, Saint Louis, MO 63139
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9378 Olive Blvd, Suite 115, Saint Louis, MO 63132
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Learn about insurance coverage options specific to Saint Louis residents.
Saint Louis home insurance averages $2,032-$2,745/year. Learn about tornado coverage, flood insurance, historic home protection, and ways to save money.
Car InsuranceSaint Louis drivers pay $223-268/month for full coverage. Learn why rates are higher, why comprehensive is essential for hail, and how bundling saves $591/year.
Car InsuranceSaint Louis auto insurance averages $2,555-$3,434/year. Learn Missouri's 25/50/25 requirements, bi-state rules, and how to save on coverage.
General Insurance EducationComplete insurance guide for Saint Louis residents covering Missouri requirements, bi-state coverage, tornado/hail risks, and flood insurance needs.
The average cost of home insurance in Saint Louis ranges from $2,032 to $2,745 per year for $300,000 in dwelling coverage, or roughly $170 to $230 per month. Your actual cost depends on your home's age, location, construction type, coverage limits, deductible, credit score, and claims history. Historic homes and properties in flood zones typically cost more to insure.
Yes, standard homeowners insurance policies cover tornado damage to your dwelling and belongings. However, many Saint Louis insurers now require a separate wind and hail deductible, which is typically 1-5% of your home's insured value rather than a flat dollar amount. This means you could pay $3,000 to $15,000 out of pocket on a $300,000 home before coverage kicks in after tornado damage.
Even if you're not in a high-risk flood zone, flood insurance is worth considering in Saint Louis. One in three flood insurance claims come from outside mapped high-risk areas, and the average flood claim is nearly $60,000. Standard homeowners insurance doesn't cover any flood damage, so without separate flood insurance, you'd pay for all repairs yourself. Coverage averages around $976 per year in Saint Louis.
Yes, historic homes in neighborhoods like Lafayette Square and the Central West End typically cost more to insure because they're built with materials and craftsmanship that are expensive to replicate. Insurers may require inspections and repairs to electrical, plumbing, or roofing systems before issuing coverage. Consider guaranteed replacement cost coverage to ensure you can rebuild to original specifications if disaster strikes.
Replacement cost coverage pays to rebuild or repair your home and replace your belongings at today's prices without deducting for depreciation. Actual cash value coverage factors in depreciation, paying you what your damaged property was worth at the time of loss. For example, if your 10-year-old roof is damaged, replacement cost pays for a new roof while actual cash value pays for a depreciated 10-year-old roof, which could be 50% less.
Bundle your home and auto insurance for multi-policy discounts of 15-25%, increase your deductible if you have adequate savings, install security systems and smoke detectors, upgrade your roof and storm protection, maintain a claims-free history, and shop around with multiple insurers annually. Ask about lesser-known discounts for being retired, having updated electrical or plumbing, or being a long-term customer.
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