For Jennings residents: independent agents who compare homeowners quotes from 25+ carriers.
What home insurance costs in Jennings
The typical homeowners insurance premium in Jennings, 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 40% lower — near $1,123 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 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 Jennings dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Jennings, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Jennings, MO unique
Roughly 14,819 people live in Jennings within Missouri.
Jennings is part of Missouri, where everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Missouri; rebuild cost, roof age, and construction still drive most premium differences from street to street.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Homeowners coverage basics
When a covered loss hits, this limit pays to rebuild the structure; make sure it tracks current local reconstruction costs.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
It responds when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Discounts for Jennings, 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. “Up to” marks the top of the range, not a promise.
What moves home insurance rates in Jennings
Underwriters build a Jennings policy quote from several overlapping factors. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Replacement cost is the amount needed to rebuild the home with comparable materials at today’s prices for labor and supplies. Because the carrier’s maximum payout climbs with the rebuild estimate, higher estimates for Jennings homes usually lift premiums.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality shape how a property fares in wind, hail, and fire common across Missouri.
Location risk is the reason neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood in Jennings.
Carriers grade fire protection using protection class plus the distance to hydrants and stations; better protection often brings a more competitive price.
Claims filed lately tied to the home or the household can raise the price for Jennings renewals as well as new policies, since claims history is a big rating factor.
Credit-based insurance score, where state rules allow it, is another input; better scores generally line up with lower prices when the carrier uses that factor.
Home-and-auto bundles in Jennings, MO
Average bundle savings, illustrated, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Jennings, Missouri | $160 | $240 | $340 |
Jennings neighborhoods
- North Pointe
- Baden
- North Riverfront
- Elms Park
- Mayfair Park
- Ashby
- Flordell Hills
- Blewett Park
- Jennings Oak Park
- Gibson
- Jenwood
- Queen Place
- Greenbrook Park
- Sheppard Hills
- Belleview Heights
- Goodfellow Park
- Shannon Park
- Jennings Manor
- Fairhaven
- Croydon Hills
Jennings housing stock and storm history
From 2000 on, St. Louis County has been part of 15 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
The Census Bureau’s 2020–2024 American Community Survey counts about 7,387 housing units in Jennings, and homeowners occupy about 45% of the occupied homes. Looking at building types, 78% are detached single-family houses and 19% are in buildings with two or more units.
In FEMA’s National Risk Index, St. Louis County rates above the low end for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”).
Jennings’ median year built is 1955. About 83% of homes were built before 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
NOAA storm records show 10 hail reports within about 5 miles of Jennings from 2016 through 2025 (9 at one inch or more). Top size was 2.5 inches in May 2025.
On tornadoes, NOAA lists 5 tornadoes touching down within 10 miles of Jennings in 2016–2025, with the strongest at EF2 during May 2025.
For heat, Jennings households mostly rely on utility gas (75%) and electricity (22%).
The USGS GNIS lists these named communities and subdivisions in and around Jennings: Flordell Hills, Country Club Hills, North Pointe, Walnut Park West, Berdell Hills, and Norwood Court. Older and newer sections can quote differently based on build era, roof, and fire protection.
Census counts put Jennings at 15,469 residents in 2000 and 14,712 in 2010, and the Census Bureau’s July 2024 estimate is 13,024. That is roughly 16% fewer residents than in 2000.
Going further back, the Storm Prediction Center lists 26 hail reports within 5 miles of Jennings between 1955 and 2015, topped by hail of 3 inches on April 28, 2012. Reports of 2-inch or bigger hail number 5 in that span. NOAA Storm Prediction Center records list 30 tornadoes that began within 10 miles of Jennings from 1950 through 2015, the strongest an F4 on April 3, 1981. NOAA ties that tornado to 32 injuries.
Shopping around the area? See our home insurance pages for Northwoods (2 mi), Moline Acres (2 mi), and Pine Lawn (2 mi).
ZIP codes we insure in and around Jennings
63136 · 63147 · 63120 · 63121 · 63135 · 63137
More Missouri coverage resources
Jennings, MO homeowners quotes
Jennings homeowners get quotes from 25+ carriers through Freedom Insurance Group. Begin a home quote online or call (800) 253-1482.
