Welcome to the Show-Me State
If you are planning a move, this Moving to Missouri insurance checklist will help you stay protected and compliant from day one. Missouri has specific insurance requirements for drivers, homeowners, renters, and business owners. Before you unpack, review your coverage to make sure you have the right policies in place.
1. Update or Purchase Missouri Car Insurance
When you bring your vehicle into the state, you must switch to a Missouri auto insurance policy. Missouri law requires all drivers to carry:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage
Uninsured motorist coverage
You can learn more about Missouri’s legal auto insurance requirements on the Missouri Department of Revenue website.
Minimum coverage does not always mean full protection. Many Missouri drivers choose higher liability limits or add-ons such as comprehensive and collision coverage to protect against theft, hail damage, and accidents caused by Missouri’s unpredictable weather.
Pro Tip: Contact a local insurance broker like McNeil Insurance Group to compare rates from multiple carriers and find affordable, reliable coverage that fits your needs.
2. Review Your Home Insurance Policy in Missouri
If you are buying a home in Missouri, your lender will require homeowners insurance. However, not all policies offer the same protection. Make sure your coverage includes:
Replacement cost coverage rather than actual cash value
Wind and hail protection
Water backup and sewer line coverage
Coverage for detached structures such as garages, sheds, or fences
Missouri’s weather can be unpredictable, ranging from strong storms to winter snow. The right Missouri home insurance policy will help you protect your investment year-round.
Learn more about our Home Insurance options to ensure your property is fully protected.
3. Renters Insurance in Missouri: What You Need to Know
If you are renting, your landlord’s insurance only covers the structure, not your personal belongings. A Missouri renters insurance policy can protect you from unexpected losses. It typically covers:
Personal property such as electronics, furniture, and clothing
Liability protection if someone is injured in your home
Additional living expenses if you must relocate due to damage
Renters insurance is affordable and provides peace of mind for new residents settling into Missouri communities.
4. Life Insurance Options for New Missouri Residents
A move is the perfect time to review your life insurance policy. Whether you are newly married, starting a family, or buying a home, having the right coverage ensures your loved ones are financially secure.
If you do not have a policy yet, our Life Insurance services can help you determine how much coverage you need and whether term life or whole life insurance is the best fit for your goals.
5. Protect Your Missouri Business and Side Hustles
If you are self-employed, own rental property, or operate a small business, review your business insurance to meet Missouri state requirements. You may need:
General liability insurance
Commercial property insurance
Workers’ compensation insurance
Commercial auto insurance
Our experienced team can help you find the right business insurance in Missouri to protect your livelihood and comply with local laws.
6. Bundle Your Policies to Save in Missouri
Bundling your home and auto insurance is one of the easiest ways to save money. Most carriers offer discounts for combining policies. McNeil Insurance Group can help you explore bundling options that reduce premiums without sacrificing protection.
7. Work with a Local Missouri Insurance Expert
When you are new to the area, partnering with a local insurance broker makes everything easier. McNeil Insurance Group proudly serves individuals and families across Missouri. Our agency helps clients compare quotes, file claims, and find policies that fit their needs and budget.
As a Missouri insurance broker, we provide access to multiple carriers, so you can find the right coverage at the best rate without the hassle of contacting several companies.
Final Thoughts
Moving to Missouri is exciting, but taking time to review your insurance coverage is just as important as setting up your utilities or changing your address. Use this Moving to Missouri insurance checklist to confirm that every aspect of your protection is in place.
McNeil Insurance Group is here to help you feel confident and covered as you settle into your new Missouri home.
📞 Contact us today for a free insurance review or quote.