Umbrella Insurance in Missouri
Liability coverage that sits above your auto and home limits. Usually the cheapest million dollars of protection a household can buy.
What is different in Missouri
Missouri requires uninsured motorist coverage. The southeastern counties sit inside the New Madrid seismic zone, where earthquake coverage is written separately and carries deductibles set as a percentage of Coverage A rather than a flat amount. Hail is the dominant property peril across the western half of the state.
Exposures that shape pricing here
- tornado
- hail
- flood
- earthquake
Umbrella Insurance reading
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
- State guides
Missouri insurance guide
One of the few states that requires uninsured motorist coverage, a seismic zone in the southeast, and hail as the dominant property peril out west.
- Coverage explained
Why state minimum auto limits are not enough
Minimum liability limits were set decades ago and have not kept pace with medical costs or vehicle values. What they cover, and what happens when they run out.
- Coverage explained
Umbrella insurance explained
A layer of liability coverage that sits above your auto and home policies and engages when they run out. What it does, and what it does not.