Have you ever had time to sit down and thoroughly read a homeowners insurance policy before buying one? Our department now gives you that chance. As an informational resource, our department is offering consumers who are shopping for homeowners insurance free, downloadable copies of homeowners' policies and mandatory endorsements offered by a number of homeowners insurance companies in Missouri. The policies and endorsements of the companies listed below make up a large percentage of the market share for homeowners insurance coverage in the state. Consumers are encouraged to use this information as one of the many tools when shopping for homeowners insurance.

These companies listed below are in the order of their market share in Missouri, using the latest data from the department's Market Share Report. The market share of the companies listed is in parentheses. Click on the (+) icon or the company's name to view information about the company and their policies and/or endorsements.

Important information - please read carefully

• The policy forms and endorsements displayed on this page are the most current available to the Missouri Department of Commerce & Insurance (DCI).

• Insurance companies frequently make changes to their policies. If you have questions about your current coverage, you should call your agent or insurance company. Your policy may be different than those shown here.

• Policy endorsements can expand, restrict or change the terms of an insurance policy. They should be reviewed together with the policy form.

• Not all policy forms shown on this page will be available to you. This page contains standard policy forms as well as policy endorsements that may be required by the insurance company. The company may have other policy endorsements that are not shown here.

• The policy forms shown on this page are for reference only and provide no guarantees of coverage. The content of your insurance policy, which includes any and all endorsements to your policy, determines coverage.

• There is no such thing as "full coverage" when it comes to insurance. Every insurance policy contains "exclusions" which are things that won't be covered by the policy. Make sure you read the exclusions carefully to understand what won't be covered. Ask your agent if you have questions.

• Many insurance companies offer optional coverages that can be purchased. It may cost you more up front, but buying additional coverage will also provide you with greater protection. Optional coverages are not shown here, so ask your agent what optional coverage(s) are available.

• DCI does not endorse, recommend, advertise or comment on the quality of any particular company's product. You should shop around to find companies and policies that best suit your insurance needs.

• Always read your insurance policy carefully. If you have any questions, ask your agent or company representative for additional information.

State Farm Fire and Casualty Company (25.69%)

American Family Mutual Insurance Company (15.18%)

Shelter Mutual Insurance Company (5.64%)

Auto Club Family Insurance Company (4.85%)

Safeco Insurance Company of America (4.70%)

Farmers Insurance Exchange (4.56%)

Farm Bureau Town & Country Insurance Company of Missouri (3.03%)

Nationwide Affinity Insurance Company of America (2.50%)

Travelers Home and Marine Insurance Company (2.34%)

USAA - United Services Automobile Association (1.98%)

Liberty Insurance Corporation (1.54%)

Allstate Property & Casualty Insurance Company (1.47%)

Mid-Century Insurance Company (1.44%)

Fire Insurance Exchange (1.14%)

Liberty Mutual Fire Insurance Company (1.14%)

USAA Casualty Insurance Company (1.10%)

Country Mutual Insurance Company (1.03%)

Allstate Indemnity Company (0.89%)

Allstate Insurance Company (0.81%)

Standard Fire Insurance Company (0.75%)

Foremost Insurance Company Grand Rapids Michigan (0.68%)

Allstate Vehicle and Property Insurance Company (0.55%)