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Directory · Missouri · Homeowners

Who writes homeowners in Missouri

From the Missouri company list; alphabetical, since Missouri doesn't publish every company's premium by line.

146 insurers are licensed for homeowners in Missouri on the regulator's list. State Farm Group wrote the most in 2025 (25.8% of the state's premium).

By Sam Alishahi, independent insurance broker · All lines in Missouri

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Missouri

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1State Farm Group$960.1M25.84%140%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2American Family Insurance Group$577.5M15.54%57%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
3Allstate Insurance Group$244.3M6.57%108%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
4Liberty Mutual Group$222.4M5.99%79%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5United Serv Automobile Assn Group$214.3M5.77%97%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6Shelter Insurance Group$195.7M5.27%84%Shelter Mutual Insurance Company, Shelter General Insurance Company, Amshield Insurance Company, Haulers Insurance Company, Inc.
7Farmers Insurance Group$191.4M5.15%85%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
8Travelers Group$185.5M4.99%105%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
9Missouri Farm Bureau Group$151.9M4.09%80%Farm Bureau Town & COUNTRY Insurance Company of Missouri, New Horizons Insurance Company Of Missouri
10Auto Owners Group$116.9M3.15%74%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
Homeowners · Missouri

The companies

CompanyNAICHome stateStatus hereLines
ACUITY, A Mutual Insurance Company14184WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Affiliated F M Insurance Company10014RIAdmitted (licensed)Commercial package (BOP, CMP), Earthquake, Homeowners +3 more
AIG Property Casualty Company19402ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +5 more
Allstate Indemnity Company19240ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Allstate Insurance Company19232ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Allstate North American Insurance Company11110ILAdmitted (licensed)Personal auto, Homeowners, Inland marine
Allstate Property and Casualty Insurance Company17230ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
Allstate Vehicle and Property Insurance Company37907ILAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
AMCO Insurance Company19100IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
American Bankers Insurance Company of Florida10111FLAdmitted (licensed)Personal auto, Commercial auto, Credit +6 more
American Economy Insurance Company19690INAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
American Family Connect Property and Casualty Insurance Company29068WIAdmitted (licensed)Personal auto, Homeowners, General liability
American Family Insurance Company10386WIAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +5 more
American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Fire and Casualty Company24066NHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Modern Home Insurance Company23469OHAdmitted (licensed)Personal auto, Commercial auto, Homeowners +2 more
American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
American National General Insurance Company39942NEAdmitted (licensed)Personal auto, Earthquake, Homeowners
American National Property and Casualty Company28401NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
American Reliable Insurance Company19615AZAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
American Security Insurance Company42978DEAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
American Strategic Insurance Corporation10872INAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
AmGUARD Insurance Company42390NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Amica Mutual Insurance Company, The19976RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Argonaut Insurance Company19801NEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Armed Forces Insurance Exchange41459KSAdmitted (licensed)Homeowners, Inland marine, General liability +1 more
Auto Club Family Insurance Company27235MOAdmitted (licensed)Homeowners, Commercial property (fire and allied lines)
Auto-Owners Insurance Company18988MIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +3 more
Bankers Standard Insurance Company18279PAAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +5 more
Branch Insurance Exchange, Branch Financial, Inc. as Attorney-in-Fact16825OHAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Century-National Insurance Company26905ILAdmitted (licensed)Homeowners
Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Chubb Indemnity Insurance Company12777NYAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +6 more
Chubb National Insurance Company10052INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Cimarron Insurance Company, Inc.20400AZAdmitted (licensed)Personal auto, Commercial auto, Homeowners +1 more
Cincinnati Casualty Company (The)28665OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Cincinnati Insurance Company (The)10677OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Clear Blue Insurance Company28860TXAdmitted (licensed)Personal auto, Commercial auto, Homeowners +3 more
COUNTRY Mutual Insurance Company20990ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Country Preferred Insurance Company21008ILAdmitted (licensed)Personal auto, Homeowners, Inland marine
Crestbrook Insurance Company18961OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Economy Preferred Insurance Company38067ILAdmitted (licensed)Earthquake, Homeowners, Inland marine
Economy Premier Assurance Company40649ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +2 more
Encompass Indemnity Company15130ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +2 more
Esurance Insurance Company25712ILAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Esurance Property and Casualty Insurance Company30210ILAdmitted (licensed)Personal auto, Homeowners
Everett Cash Mutual Insurance Company17043PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +3 more
Farm Bureau Town & COUNTRY Insurance Company of Missouri26859MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Farmers Group Property and Casualty Insurance Company34339RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +1 more
Farmers Insurance Exchange21652CAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
FCCI Insurance Company10178FLAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Federal Insurance Company20281INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)Commercial package (BOP, CMP), Earthquake, Homeowners +3 more
First Chicago Insurance Company13587ILAdmitted (licensed)Personal auto, Homeowners
Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)Personal auto, Homeowners, Inland marine +3 more
Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)Personal auto, Homeowners
Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +5 more
Great American Alliance Insurance Company26832OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Great American Assurance Company26344OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Great American Insurance Company16691OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +12 more
Great Northern Insurance Company20303INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Hanover Insurance Company (The)22292NHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Hartford Fire Insurance Company19682CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Hartford Insurance Company of Illinois38288ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Hartford Insurance Company of the Midwest37478INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Hartford Insurance Company of the Southeast38261CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Hartford Underwriters Insurance Company30104CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Haulers Insurance Company, Inc.31550MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +2 more
Homeowners of America Insurance Company12536TXAdmitted (licensed)Homeowners, Inland marine, Commercial property (fire and allied lines)
Homesite Indemnity Company20419MAAdmitted (licensed)Homeowners, Commercial property (fire and allied lines)
Homesite Insurance Company of the Midwest13927WIAdmitted (licensed)Earthquake, Homeowners, Commercial property (fire and allied lines)
Horace Mann Insurance Company22578ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Indemnity Insurance Company of North America43575PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Integon Indemnity Corporation22772ILAdmitted (licensed)Personal auto, Commercial auto, Homeowners +2 more
Integon National Insurance Company29742ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +4 more
Kin Interinsurance Nexus Exchange33987AZAdmitted (licensed)Homeowners, Commercial property (fire and allied lines)
L M Insurance Corporation33600ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Lemonade Insurance Company16023NYAdmitted (licensed)Homeowners
Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Liberty Mutual Insurance Company42404ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Liberty Mutual Insurance Company23043MAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Liberty Mutual Personal Insurance Company12484NHAdmitted (licensed)Personal auto, Earthquake, Homeowners +1 more
Lititz Mutual Insurance Company14400PAAdmitted (licensed)Commercial package (BOP, CMP), Earthquake, Homeowners +3 more
Lyndon Southern Insurance Company10051DEAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Credit +7 more
Madison Mutual Insurance Company14443ILAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Farm and crop +3 more
Markel American Insurance Company28932VAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Markel Insurance Company38970ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Massachusetts Bay Insurance Company22306NHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Mid-Century Insurance Company21687CAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Motors Insurance Corporation22012MIAdmitted (licensed)Personal auto, Commercial auto, Homeowners +2 more
Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)Earthquake, Homeowners, Inland marine
Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Nationwide General Insurance Company23760OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Nationwide Insurance Company of America25453OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Nationwide Mutual Insurance Company23787OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
New Horizons Insurance Company Of Missouri12345MOAdmitted (licensed)Personal auto, Farm and crop, Homeowners +1 more
Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Ohio Security Insurance Company24082NHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Pacific Indemnity Company20346DEAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Peerless Indemnity Insurance Company18333ILAdmitted (licensed)Earthquake, Homeowners, Inland marine +1 more
Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Phoenix Insurance Company, (The)25623CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Praetorian Insurance Company37257PAAdmitted (licensed)Personal auto, Commercial auto, Homeowners +3 more
Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)Personal auto, Homeowners, Inland marine +3 more
Progressive Advanced Insurance Company11851OHAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Progressive Casualty Insurance Company24260OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +3 more
Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Rock Ridge Insurance Company11089TXAdmitted (licensed)Personal auto, Commercial auto, Homeowners +2 more
Root Insurance Company10974OHAdmitted (licensed)Personal auto, Homeowners
Safeco Insurance Company of America24740NHAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +6 more
SECURA Supreme Insurance Company10239WIAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
Shelter Mutual Insurance Company23388MOAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +6 more
Spinnaker Insurance Company24376ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Standard Fire Insurance Company (The)19070CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Standard Guaranty Insurance Company42986DEAdmitted (licensed)Homeowners, Commercial property (fire and allied lines)
StarNet Insurance Company40045IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
State Automobile Mutual Insurance Company25135OHAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
State Farm Fire and Casualty Company25143ILAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Stillwater Insurance Company25180CAAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +4 more
Sutton National Insurance Company25798OKAdmitted (licensed)Homeowners, Ocean marine, Workers' compensation
Teachers Insurance Company22683ILAdmitted (licensed)Personal auto, Earthquake, Homeowners +1 more
Toggle Insurance Company44245DEAdmitted (licensed)Personal auto, Homeowners
Tower Hill Prime Insurance Company11027FLAdmitted (licensed)Commercial package (BOP, CMP), Homeowners, Inland marine +2 more
Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Travelers Indemnity Company (The)25658CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +10 more
Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +9 more
Travelers Personal Insurance Company38130CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +2 more
Travelers Property Casualty Company of America25674CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +11 more
Travelers Property Casualty Insurance Company36161CTAdmitted (licensed)Earthquake, Homeowners, Inland marine +1 more
Trisura Insurance Company22225OKAdmitted (licensed)Personal auto, Commercial auto, Fidelity bonds +5 more
Truck Insurance Exchange21709CAAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Trumbull Insurance Company27120CTAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +5 more
Twin City Fire Insurance Company (The)29459INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +8 more
United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
Unitrin Safeguard Insurance Company40703WIAdmitted (licensed)Homeowners
USAA Casualty Insurance Company25968TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +4 more
USAA General Indemnity Company18600TXAdmitted (licensed)Personal auto, Earthquake, Homeowners +3 more
Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F16186FLAdmitted (licensed)Personal auto, Homeowners, Inland marine +1 more
Vigilant Insurance Company20397NYAdmitted (licensed)Personal auto, Commercial package (BOP, CMP), Earthquake +7 more
West American Insurance Company44393INAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP) +7 more
Turned down?

Last resort for homeowners in Missouri

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Missouri insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = every ACTIVE Missouri licensee (P&C, life, health, HMO, TPA, warranty, prepaid dental, etc.); filter on type. 'type' is the license Description from each company's detail page (e.g. 'Property and Casualty (Ch 379, RSMo)'); where a detail page was not read, type comes from Missouri market-share membership and is suffixed '(market share)'. 'lines' = lines of business with non-zero direct written premium in the 2025 Missouri market share report (licensed companies only). 'domicile' is only known for companies in the market share report. 'since' = Date Admitted from the detail page. Surplus lines list carries no NAIC code; naic filled by exact normalized-name match (naic_source says where), alien = domicile not a US state code. Detail-page crawl in progress; this file will be rewritten when it finishes. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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