Independent agents comparing homeowners quotes from 25+ carriers for Versailles residents.
Home insurance prices in Versailles
The typical homeowners insurance premium in Versailles, 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 41% lower — near $1,104 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,827 for a $600,000 home, and around $2,378 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 Versailles dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Versailles, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Versailles, MO
Versailles counts roughly 2,440 residents in Morgan County.
For a smaller Missouri place like Versailles, the insurance picture centers on local construction, access to fire protection, and regional storm patterns rather than tourism headlines.
Homes are mostly single-family properties typical of the Morgan County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Tornado and severe-thunderstorm exposure are part of planning for Missouri homeowners, along with occasional flooding near rivers and creeks.
How a homeowners policy is built
This limit pays to rebuild your home’s structure after a covered loss, and it should keep pace with current reconstruction costs in your area.
A detached garage, a shed, a fence, or similar buildings not attached to the home are covered here.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
While a covered loss keeps you out of the home, this helps pay the extra living costs.
This coverage responds when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
It can help pay guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Discounts for Versailles, 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 vary by carrier. Treat “up to” as the top end, not a guarantee.
How Versailles home insurance premiums differ
Carriers build a Versailles policy quote from several overlapping factors. 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 change the final premium as much as the carrier brand itself.
Replacement cost is a straightforward idea: how much would it take to rebuild the house right now, using comparable materials, at today’s prices for labor and materials? The carrier’s exposure tracks the rebuild estimate, which is why larger Versailles rebuild numbers tend to mean a higher price.
Construction type and roof details round out the list: underwriters check frame versus masonry construction, the roofing material, and how solidly the home is built, because those details shape performance in wind, hail, and fire events common across Missouri.
Storm, hail, wildfire, and crime scores drive location risk, which can change by ZIP code and neighborhood in Versailles, meaning homes with similar rebuild costs can still get different prices.
Fire protection matters as well: a nearby hydrant, quick fire-station response, and a strong protection class can each help the price.
A recent claim on the property or by the household can push up the price whether a Versailles policy is renewing or new, since claims history is a big rating factor.
Many insurers look at a credit-based insurance score where permitted; a better score usually means a lower premium.
Home-and-auto bundles in Versailles, MO
The figures below illustrate average bundle savings, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Versailles, Missouri | $160 | $240 | $340 |
Versailles homes by the numbers
For heat, Versailles households mostly rely on electricity (55%) and utility gas (42%).
From 2000 on, Morgan County has appeared in 15 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, and Flooding (September 2026).
On tornadoes, NOAA logged 1 tornado starting within 10 miles of Versailles between 2016 and 2025, with the strongest at EF0 during April 2025.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,330 housing units in Versailles, and owners occupy close to 61% of the occupied homes. Of all units, 63% are detached single-family houses, 31% are in buildings with two or more units, and 5.0% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Morgan County.
NOAA storm records show 8 hail reports within about 5 miles of Versailles from 2016 through 2025, 8 of them one inch or larger. The largest measured 1.75 inches in May 2016 near Versailles.
Half of Versailles’ homes were built in or before 1971. About 63% of homes were built before 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
Versailles’ population went from 2,565 at the 2000 Census to 2,482 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 2,693. The population has stayed fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 33 hail reports within 5 miles of Versailles between 1955 and 2015, topped by hail of 2 inches on April 19, 1959. Reports of 2-inch or bigger hail number 2 in that span. NOAA Storm Prediction Center records list 9 tornadoes that began within 10 miles of Versailles from 1950 through 2015; the most powerful, rated F2, touched down on April 30, 1954.
Looking at neighboring communities? We also have home insurance pages for Eldon (16 mi), Tipton (16 mi), and Village of Four Seasons (18 mi).
ZIP codes we cover in and around Versailles
65084
Related Missouri coverage guides
Quote homeowners coverage for Versailles, MO
Versailles residents get quotes from 25+ carriers through Freedom Insurance Group. Begin a home quote online or phone (800) 253-1482.
