Independent agents comparing homeowners quotes from 25+ carriers for Union residents.
What home insurance costs in Union
The typical homeowners insurance premium in Union, MO is about $1,872 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 38% lower — near $1,161 per year for a typical home, roughly $1,365 for a $300,000 home, about $1,920 for a $600,000 home, and around $2,499 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Union dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Union, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Union, MO different
Union has around 10,957 residents, located in Franklin County.
Union is located in the Franklin County area, where routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Franklin County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Missouri homeowners should budget for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
The six parts of a home policy
This limit pays to rebuild the structure of your home after a covered loss, and it should keep pace with what rebuilding costs locally right now.
This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
When repairs after a covered claim make the house unlivable, it can cover the extra living costs.
When you are found legally liable for bodily injury or property damage to others after a covered incident, this coverage steps in.
When a guest gets hurt on your property, this covers medical costs, frequently with no formal liability claim.
Common discounts for Union, MO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Not every carrier offers every discount, and amounts differ too. “Up to” marks the top of the range, not a promise.
What affects home insurance premiums in Union
Multiple interlocking factors go into the price for Union homeowners, and carriers weigh them as a set when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Replacement cost is a straightforward idea: what would it cost to rebuild the house today, with similar materials, at today’s prices for labor and materials? Higher rebuild estimates for Union properties usually push up premiums because the carrier’s maximum payout grows with that figure.
Whether walls are frame or masonry, the roof covering, and general construction quality all shape how the property fares in Missouri’s wind, hail, and fire events, so construction type and roof details count.
Location risk explains why similar homes can price differently: underwriters rate storm, hail, wildfire, and crime risk by ZIP code and neighborhood across Union.
Carriers score fire protection using protection class plus how far away hydrants and stations are; a stronger profile tends to mean a more competitive price.
A recent claim on the house or by anyone in the household may lift premiums on Union renewals and new quotes alike, since claims history still weighs heavily.
Certain companies factor in a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Home-and-auto bundles in Union, MO
The figures below show average bundling savings, not a promise. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Union, Missouri | $160 | $240 | $340 |
Union homes by the numbers
NOAA’s Storm Events Database lists 5 hail reports within about 5 miles of Union from 2016 through 2025 (3 at one inch or more). The biggest measured 3 inches in April 2023 around Union.
On tornadoes, NOAA recorded 3 tornadoes touching down within 10 miles of Union in 2016–2025, with the strongest at EF2 during March 2025.
Half of Union’s homes were built in or before 1996. About 31% of homes predate 1980, which means system and roof updates can change eligibility and price.
ACS 2020–2024 estimates put about 5,399 housing units in Union, and owner-occupants live in roughly 61% of the occupied homes. By structure type, 64% are detached single-family houses, 20% are in buildings with two or more units, and 7.7% are mobile homes.
Home heating in Union runs mainly on electricity (85%) and utility gas (9.9%).
From 2000 on, Franklin County has been part of 8 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (May 2025).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Franklin County.
Census counts put Union at 7,757 residents in 2000 and 10,204 in 2010, and the Census Bureau’s July 2024 estimate is 13,198. Growth since 2000 comes to roughly 70%.
Earlier hail records help too: the Storm Prediction Center lists 46 hail reports within 5 miles of Union between 1955 and 2015; the biggest stones, 3 inches, fell on April 12, 1981. Reports of 2-inch or bigger hail number 4 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 12 tornadoes that began within 10 miles of Union from 1950 through 2015; the strongest was an F4 on February 24, 1956. That tornado’s record lists 6 deaths and 36 injuries.
Looking at neighboring communities? We also have home insurance pages for St. Clair (6 mi), Villa Ridge (6 mi), and Washington (8 mi).
ZIP codes we cover in and around Union
63084
Keep exploring Missouri coverage options
Union, MO home insurance quotes
Freedom Insurance Group shops 25+ carriers on behalf of Union residents. Call (800) 253-1482 or request a home quote online.
