Is home wind & hail insurance required by Missouri law?
Home windstorm and hail insurance are not required by law in Missouri, or most other states. You aren’t legally required by the state to maintain an active home insurance policy to protect your home. If you are paying off a mortgage, however, your home mortgage lender is likely to make requirements that you maintain homeowners coverage for the protection of the asset they are lending money against.
How is Missouri insurance law different?
As a result of a Missouri Senate bill (SB106) passed in 2005, insurers may not consider a policyholder’s query into whether an event is covered to be a claim. Some states have similar rules in place, but the practice is not standard across the country. If you are considering making a claim in a state other than Missouri, make sure you are clear on the consequences of any question or inquiry you submit to your insurance agent or provider.
Does wind and hail insurance have a deductible in Missouri?
Wind and hail home insurance for Missourians mostly includes a percentage deductible set at 1% or 2% of the total value of the insured asset. Percentage deductibles are commonly used in Missouri because of the rising number of extreme weather events hitting the state each year.
If your home wind and hail coverage included a percentage deductible set at 3% and the value of your home was $300,000, you could owe $9,000 out-of-pocket before the insurance company paid a dollar.
Missouri storms and their effect on insurance prices
The most common weather threat to Missouri homeowners is the frequency of severe thunderstorms that hit the Show-Me State each spring. Thunderstorms bring wind, hail, and sometimes tornado activity. Because these ‘perils’ result in higher numbers of insurance claims each spring, insurance companies continue to raise the premiums they charge to offer home insurance, especially policies that include wind and hail coverage.
What are the most common home insurance claims in Missouri?
Wind and hail-based weather damage claims are the most common claims made on homeowners insurance in Missouri. This is in line with the surrounding states, as well as most of the United States overall.
Wind/hail insurance vs. homeowners insurance
Wind and hail insurance is often included in a larger home insurance policy, but in many cases the wind/hail coverage will come with its own deductible that is calculated in a different way than the base policy deductible. This generally means a higher bill for a wind and hail claim than one made on other types of damage to the home.
How can I lower my wind/hail premium in Missouri?
You have options for finding a lower home insurance premium and lower insurance costs overall in Missouri. The first step is to make sure you fully understand what is covered by your current homeowners policy, what the deductibles for that policy are, and how they are calculated.
The question of how your deductibles are priced is a key detail. When you understand the maximum amount that you might owe after making a claim, you can work from that to find a balance of premium and deductible costs that works for your circumstances.
If your current insurance premiums are more than you can comfortably pay, ask your agent about the compromise of accepting a higher deductible in exchange for a lower monthly premium bill.
Is add-on wind/hail coverage available in Missouri?
Additional wind and hail coverage is available in Missouri from Sola Insurance. A Wind and Hail Insurance policy can be purchased at any time, regardless of your home insurance billing cycle. A Sola policy can be written for any coverage limit from $2,000 to $25,000, allowing you to tailor your coverage to the amount of your home deductible, plus additional coverage if needed.
What are the benefits of standalone wind and hail insurance?
A standalone policy is not connected to your homeowners policy and does not affect your premiums for other coverage or your ability to get the best prices with other insurers. This type of policy may report its activity in a different way than traditional insurance. While standard indemnity insurance claims are always reported to the CLUE or another risk history database, standalone products such as Sola Wind and Hail are not under obligation to self-report, meaning that a claim on a Sola policy has no effect on your insurance history and will never have an impact on your insurability or the prices you pay for other policies.
What is a CLUE Report
Summary
Wind insurance and hail insurance should always be part of your Missouri home insurance plan. Missouri residents will most often find these types of coverage included in their primary homeowners policy, and they are likely to be priced with a percentage deductible. Homeowners should make themselves aware of their deductible rates along with the premium costs that they pay monthly or annually. The addition of a standalone wind and hail policy could help cover high home deductibles, insurance gaps caused by depreciated (ACV) roofs, or other surprise expenses that often follow a home insurance claim.
Get a free quote for Sola Wind and Hail today.
Sources:
Spieler, Terry. “SENATE BILL NO. 106” Senate.MO.gov, Dec. 01, 2004, https://www.senate.mo.gov/05info/billtext/intro/SB106.htm
Lynch, Megan. “Does your homeowners insurance cover wind damage?” KMOX, May 06, 2026, https://www.audacy.com/kmox/news/local/does-your-homeowners-insurance-cover-wind-damage
Schlichter, Sarah. “The Best Home Insurance in Missouri in 2026” Nerdwallet, Mar. 13, 2026, https://www.nerdwallet.com/insurance/homeowners/missouri-home-insurance,
Gray is the Senior Content Specialist at Sola Insurance, working with the Sales and Marketing teams to provide helpful, valuable content for homeowners and agents. Gray has worked previously in finance, logistics, and advertising.
