Which companies provide landlord insurance policies in Missouri?

Question

Please don't mention Allstate; they are the reason I'm asking this question!!

Answer 1

There are quite a few . . . but, what you're really asking is, how can you get new landlord coverage?

It's going to depend on how many units you have.  IF it's just one or two, you REALLY need to insure it with the same company that writes the house you live in - no one is going to give you a good price on stand alone coverage.

If you don't have a primary homeowners, try foremost - www.foremost.com    They insure low value homes, and will do a stand alone policy, but it will cost more than you can get through a company with your primary homeowners.

If you have a larger property, more than 4 units, you need to just visit a local, independent agency.  LOTS of companies write this, your problem is you're trying to find the best one, by being your own agent.  Get a professional to do this for you.  

Can't find a local, independent agent?  Find one at www.iiaa.org

Answer 2

In general, not just in Missouri, most carriers that provide homeowners insurance, can write landlord as well.  But there is a catch to some carriers:  they don't just want the landlord insurance(dwelling fire) to be a stand-alone policy; they want your homeowners(primary) as well.   So if you own a home, be expecting to switch your homeowners over to the new carrier, but make sure  you get a good homeowners rate; or if you rent, get contents-only insurance (1st policy) so you can get the landlord insurance (2nd policy-secondary or dwelling fire)

Answer 3

state farm

GMAC

progressive

finger one

travlers

have ure agent shop around