Manchester, MO Homeowners Insurance
Compare homeowners insurance quotes in Manchester, MO. Choose from Travelers, Safeco, Nationwide and dozens of other top companies.
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How much is homeowners insurance in Manchester, Missouri?
The average homeowners insurance cost in Manchester is $1,532 per year according to our client data. That's 9% lower than the Missouri state average.
The average in the United States is $1,406, putting Manchester 8% higher than the rest of the country. Some factors in determining premiums include historical weather patterns, claims history, local labor costs and credit score.
| Homeowners insurance in Manchester vs Missouri | Average annual cost |
|---|---|
| Manchester | $1,532 |
| Missouri | $1,678 |
Who are the best homeowners insurance companies in Manchester, MO?
There is no single insurance company that will be the best for everyone. Coverages and options vary from company to company, so it depends on your individual situation. Not all insurance companies that offer Missouri homeowners insurance will be available in Manchester.
Some factors determining the right fit could be:
Our recommendations
| Rank | Company | Reasoning |
|---|---|---|
| #1 | Cincinnati | One of the strongest homeowners insurance policies available. Very few coverage exclusions. Not always the cheapest but you get what you pay for. |
| #2 | Travelers | Exceptional claims process. Long standing A-rated company who has always done right by our clients. |
| #3 | Safeco | Liberty Mutual is their parent company. Over 100 years in business and dedicated to delivering their policies through the independent insurance agency channel. |
| #4 | Openly | A newcomer to homeowners insurance. What they lack in experience they make up for in a robust policy. Very few coverage exclusions and a $5 million guaranteed replacement cost. They don't offer auto insurance yet so you'll have to forfeit a bundling discount. |
| #5 | Nationwide | Peyton Manning is in their commercials so they must be winners right? In all seriousness, Nationwide is a great company with strong financial backing. Claims are handled well and the policy is strong. The reason they're further down on our list is they shut off taking new clients for a period in 2023 and have struggled getting their rates competitive again. |
How did we determine the rankings?
Our rankings are based on our real world experience working with insurance companies in Manchester over the last 15 years. We consider our personal experience placing clients with different carriers. We feel this real life experience is more valuable than some anonymous survey!
Our rating criteria includes rate stabilization, financial stability, customer service and ease of doing business among other factors. As an independent insurance agency, we can choose from over 2 dozen homeowners insurance companies for our clients.
Manchester, MO homeowners insurance coverage
Some of the basic coverages on homeowners policies are for your dwelling, personal property and personal liability. There are also endorsements available such as sewer and water backup, earthquake and service line.
Basic coverages
| Coverage type | What it covers |
|---|---|
| Coverage A: Dwelling | Your home and attached structures such as a garage |
| Coverage B: Other Structures | Stand-alone structures on your property such as a fence, garage or shed |
| Coverage C: Personal Property | Items inside your home that aren't permanently attached |
| Coverage D: Loss of Use | Covers the cost of temporary housing if you can't live in your home due to a covered loss |
| Coverage E: Medical Payments | Pays to treat a non-household member injured on your property, regardless of fault |
| Coverage F: Personal Liability | Covers your legal liability for causing injury or property damage to someone else |
Check out our full list of homeowners insurance coverage options along with our recommendations.
Does Manchester, MO homeowners insurance cover flood damage?
Flood damage is not covered by homeowners insurance policies regardless of where you are located. To get coverage, you can purchase flood insurance through a private flood insurance company or the National Flood Insurance Program (NFIP).
The NFIP is limited to $250,000 for structural coverage and $100,000 for personal property so it may not be an option for everyone.
Our agency can help you get quotes from both to determine the best fit.
Should I purchase earthquake coverage in Manchester?
Earthquake insurance is definitely worth considering as the New Madrid Seismic Zone in southern Missouri is only about 159 miles from Manchester. Of course everyone's risk tolerance is different so this is a decision you'll have to make.
Not all insurance companies offer earthquake coverage. For those who do, it's simply a coverage endorsement that can be added on to your homeowners policy. For those companies who do not offer the coverage, you can purchase a stand alone policy from a different company.
Manchester, MO homeowners insurance deductibles
Manchester homeowners face a high risk of hail damage. Anyone who has lived here for at least a few years has experienced this. Many insurance companies in the area now require you to have a separate deductible for wind and hail damage. These deductibles are usually higher than your deductible for all other causes of loss so it's important to know how they work.
You may have a dollar amount deductible or a percent deductible. A dollar amount deductible could be something like $1,500. The percentage deductible is calculated as a percent of the dwelling coverage amount. For example, if you have a $300,000 home and your deductible is 1% of the dwelling covered amount, your deductible is actually $3,000.
Percent deductible
| Dwelling Coverage | Percent Deductible | Deductible |
|---|---|---|
| $300,000 | 1% | $3,000 |
| $300,000 | 2% | $6,000 |
| $300,000 | 3% | $9,000 |
Manchester, and the state of Missouri as a whole, has had the luxury of fixed dollar amount deductible options for wind and hail damage for a long time. However, the insurance landscape is changing and companies are increasingly phasing out fixed dollar amount deductibles in favor of percent deductibles.
Many other states such as Oklahoma and Texas have been doing this for the last ten years so it's nothing new. So, while it may be new to Missouri, it isn't new to homeowners in other states.
Manchester, MO homeowners insurance discounts
Did you know you could save up to 40% on your premium just by taking advantage of discounts? It's a good idea to periodically check with your agent and review your policy.
Some of the biggest discounts are:
Check out our list of 24 homeowners insurance discounts to help you get the best deal possible.
Other Personal Insurance Policies
We offer many other personal insurance policies such as auto, motorcycle, boat, life, umbrella, rental property and more. The more you bundle, the more you can potentially save.
Another great benefit to having all your policies with one agency is only having to call one place with any questions you may have. Whether that be for renewals, claims or billing, our customer service delivers a smooth and connected experience.
What our customers are saying
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About Manchester, MO
Manchester is located in St. Louis county and has a population of 17,835. The city has an area of about 5 square miles. The average home value is $347,308.
Schroeder Park is the largest park in Manchester and features picnic sites, a playground, aquatic center, tennis, pickleball, a walking trail and more.
Parkway school district consistently ranks among the top 10 districts in Missouri for districts with more than 10,000 students.
Roofers serving Manchester, MO
Living in the midwest, we're no strangers to roof damage from hail. Having a reputable roofer to work with alongside your homeowners insurance company is important to ensure the best possible claims experience.
| Roofers serving Manchester, MO | Phone number | Website |
|---|---|---|
| KPro Roofing and Renovation | (636) 386-7499 | https://www.go2kpro.com/ |
| West County Roofing and Construction | (636) 484-8000 | http://www.westcountyroof.com/ |
| WCC Roofing Co. | (636) 226-4483 | http://www.wccroofing.com/ |
Fire departments serving Manchester, MO
| Fire Department | Address | Phone Number | Website |
|---|---|---|---|
| West County EMS & Fire Protection District | 223 Henry Ave, Manchester, MO 63011 | (636) 256-2000 | https://www.westcounty-fire.org/ |
| Valley Park Fire Protection District | 47 Crescent Ave, Valley Park, MO 63088 | (636) 225-4288 | https://www.vpfire.org/ |
Local fire departments provide many services in addition to responding to fires. Many of them perform inspections for permits for both commercial and residential buildings.
Partners Insurance proudly supports these brave men and women who make up our emergency services professionals. Thank a firefighter or first responder today.
Frequently Asked Questions
The average cost of homeowners insurance in Manchester, MO is $1,532 per year, according to our client data.
Our favorites in based on our personal experience:
- Cincinnati
- Travelers
- Safeco
- Openly
- Nationwide
With the New Madrid fault only about 159 miles from Manchester, it's worth considering purchasing earthquake insurance.
Flood damage is not covered by homeowners insurance policies regardless of where you are located. To get coverage, you can purchase flood insurance through a private flood insurance company or the National Flood Insurance Program (NFIP).
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