Missouri renters insurance

Missouri renters insurance coverages

Check out the four standard coverages on nearly all Missouri renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Missouri is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Missouri?

Renters insurance in Missouri isn't required by law, but your landlord or rental company may require you to have coverage before you can move in. Even if it's not required, renters insurance may offer essential liability coverage for tenants in addition to protecting personal belongings against theft and other covered losses.

Is renters insurance worth it in Missouri?

Renters insurance is an affordable option for tenants who rent apartments, homes, or condos throughout Missouri. Here are some situations where a renters insurance policy may protect you:

• Your apartment complex is broken into, and items have been stolen from your external storage unit. Personal property coverage may pay to replace your belongings, up to your coverage limit.
• You collide with a pedestrian while riding your bicycle. If you're liable for their injuries, personal liability coverage may pay for their medical bills.
• Fire damage forces you to move out of your residence while repairs are being made. Loss of use coverage may pay for your temporary lodging costs and food expenses, above what you'd typically spend, caused by the relocation.

How much is renters insurance in Missouri?

Progressive renters policies in Missouri had an average monthly price of $17.90 or $214.83 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits can also affect your renters insurance premium. Typically, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Missouri

Take advantage of renters insurance discounts to help lower your premium. Progressive offers discounts for bundling multiple policies, going paperless, quoting in advance, and living in a secured or gated community, among other discounts.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or speak to an agent to help ensure you're getting all applicable discounts.