Business Owners Policy (BOP) Insurance Agencies in Missouri

Missouri at a glance

• 163business owners policy (bop) insurance agencies listed
• 31.9%of households rentRenters insurance
• $230,300median home valueHome insurance
• 1978median year homes were builtRebuild cost calculator
• 6.6%of households have no carAuto insurance
• 5.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Missouri

How many of Missouri’s 114 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Ice storm38 of 114 counties

  Very High in Greene County, Dallas County, Taney County and 5 more.

• Strong wind19 of 114 counties

  Very High in Stone County, Jefferson County, St. Charles County.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Missouri
• Lightning10 of 114 counties

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Missouri
• Tornado8 of 114 counties

  Very High in Jackson County, St. Louis City.

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Missouri
• Winter weather8 of 114 counties

  Very High in Greene County.

• Inland flooding3 of 114 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Missouri

Missouri requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MissouriHow much liability cover do you need?

Source: revisor.mo.gov. Checked 2026-10-24.