Missouri HO8 Insurance

Missouri HO-8 Insurance policy is designed for older homes in Missouri. The Missouri HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Missouri are Mercury, State Farm Bureau and AAA and they operate in cities such as Kansas City, Saint Louis, Kansas City or Saint Louis.


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What Will HO8 Insurance Cover in Missouri?

A standard home insurance policy in Missouri whether you live in Kansas City, Saint Louis or Saint Louis will cover most damages to your MO home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Missouri HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Missouri. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Missouri?

The policy will cover any home in the state Missouri such as:
  • Kansas City, MO
  • Saint Louis, MO
  • Saint Louis, MO
  • Springfield, MO
  • Kansas City, MO
  • Jefferson City, MO
  • Columbia, MO
  • Kansas City, MO
  • Independence, MO
  • Saint Joseph, MO
  • Wildwood, MO
  • Lees Summit, MO
  • Saint Charles, MO
  • Florissant, MO
  • Joplin, MO
  • Cape Girardeau, MO
  • Ballwin, MO
  • Raytown, MO
  • Perryville, MO
  • Manchester, MO