Protect Your Home & Peace of Mind
Get a quick quote to see what you can save.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Discounts available in Missouri
The average cost of home insurance has increased to $1,668 per year in Missouri, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Missouri covered.
We help Missourians find coverage across the entire Show-Me State!
We sell policies in every county in Missouri, including in these major cities:
- Columbia
- Independence
- O’Fallon
- Springfield
- St. Charles
- St. Joseph
- St. Louis
- St. Peters
Frequently asked questions about Missouri home insurance
Why is homeowners insurance so high in Missouri?
Homeowners insurance in Missouri is so high because of frequent severe weather, including tornadoes and windstorms, combined with rising construction costs and increased home insurance claims frequency.
Does homeowners insurance cover termites?
No. Termite damage is considered a maintenance issue and is excluded from a standard homeowners insurance policy.
What is the Homestead Disaster Tax Credit in Missouri?
The Homestead Disaster Tax Credit is a state program that helps offset the cost of insurance deductibles after a declared disaster. Missourians can get up to $5,000 for qualifying 2025 claims. Current legislation does not allow for the authorization of new credits after Oct. 15, 2026.
Why is earthquake insurance so expensive in Missouri?
Parts of Missouri lie within the New Madrid Seismic Zone, which has the highest earthquake risk in the Central United States. Earthquakes typically cause extensive damage, leading to significant claim costs and loss risk for insurers.
What is the 2026 storm cancellation moratorium?
A storm cancellation moratorium prevents insurance companies from canceling or nonrenewing policies on storm-damaged homes for a period of time after loss.
Does my policy cover flash flooding from heavy rain?
No, flooding is not covered by home insurance, including flash flooding from heavy rain. You’d need to purchase a flood insurance endorsement or separate policy from a private insurer or the National Flood Insurance Program.
