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Rental Insurance · Missouri

Rental Property Insurance in Missouri

Protect your Missouri rental property — whether you own a single duplex in Kirksville or multiple units across the state. Brawner Insurance helps Missouri landlords get the right coverage across all 114 counties.

★★★★★5.0 Rating
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50+ Carriers
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Missouri Coverage
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90+ Reviews
All 114 MO CountiesStatewide rental coverage
Landlord ProtectionBuildings, income, liability
Kirksville & Kahoka officesPersonal service, not a call center
1 to 50+ UnitsSingle-family to apartment buildings
Missouri Rental Insurance

Why Missouri Landlords Need Rental Insurance

Missouri has a growing rental market, from college towns like Kirksville and Columbia to larger metro areas. Whether you own a single-family rental, a duplex, or a multi-unit apartment building, standard homeowners insurance won't cover your rental property. You need a dedicated landlord or rental dwelling policy.

Brawner Insurance is headquartered in Kirksville, MO with a second office in Kahoka. We understand Missouri's rental market and work with multiple carriers to find coverage that protects your property, your rental income, and your liability — at competitive rates.

Missouri rental property insurance
114Missouri counties where we insure rental properties
36%of Missouri households are renters — landlords need protection
$0cost to get a rental property insurance quote from Brawner

From single-family rentals in Adair County to apartment buildings near Mizzou, Brawner compares multiple carriers to find the right landlord policy for your Missouri rental property.

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Missouri landlords deserve Missouri agents.

Brawner Insurance is headquartered in Kirksville, MO. We know Missouri's rental market and shop multiple carriers to protect your investment.

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660-665-1687 · 660-754-1000

Missouri Rental Coverage

Rental Insurance Options in Missouri

Every Missouri rental property is different. Here are the coverage options we help landlords put in place.

Dwelling Coverage

Protects the physical structure of your Missouri rental property — roof, walls, floors, and built-in appliances. Replacement cost or ACV options available.

Liability Protection

Covers bodily injury and property damage claims from tenants or visitors. Essential for every Missouri landlord — protects you from lawsuits and medical expenses.

Lost Rental Income

If a covered loss makes your Missouri rental uninhabitable, this coverage reimburses the rent you lose while repairs are being made.

Other Structures

Covers detached garages, sheds, fences, and other structures on your Missouri rental property that aren't part of the main dwelling.

Landlord Contents

Covers appliances, tools, and personal property you keep at the Missouri rental for maintenance — like lawnmowers, snow blowers, or spare appliances.

Protect Your MO Investment

Let us build your MO landlord policy.

We compare carriers and tailor coverage to your Missouri rental property.

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Don't leave your Missouri rental unprotected.

Every month without proper landlord insurance is a risk you don't need to take. Brawner agents are ready to build coverage for your Missouri rental property.

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660-665-1687 · 660-754-1000

Know the Difference

Landlord Insurance vs. Renters Insurance in Missouri

Rental vs Renters Insurance Missouri

Rental property insurance (also called landlord insurance) covers the building you rent out, your liability as a landlord, and lost rental income. It protects your investment property — not your tenant's belongings.

Renters insurance is what your tenants buy to cover their personal belongings, their liability, and their temporary living expenses. It does NOT protect your building.

Missouri landlords need their own policy. Brawner Insurance helps you understand the difference and make sure your rental property is properly covered — whether you own one unit or fifty.

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One agency. Complete Missouri landlord coverage.

Building coverage, liability, lost rent, and more — we handle landlord insurance for Missouri property owners so you can focus on your investment.

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660-665-1687 · 660-754-1000

Common Questions

Missouri Rental Insurance FAQ

What does rental property insurance cover in Missouri?

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Rental property insurance in Missouri typically covers the dwelling structure, other structures (garages, sheds), landlord liability, lost rental income, and landlord-owned contents at the property.

Can I use my homeowners insurance for my Missouri rental?

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No. Missouri homeowners insurance covers owner-occupied homes. Once you rent out a property, you need a separate landlord or rental dwelling policy. Your homeowners insurer may deny claims on rental properties.

How much does rental insurance cost in Missouri?

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Costs depend on the property value, location within Missouri, number of units, claims history, and coverage limits. We shop multiple carriers to find competitive rates for your specific Missouri rental.

What's the difference between landlord and renters insurance?

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Renters insurance covers your tenant's personal belongings and liability. Rental property insurance covers your building and your liability as the Missouri landlord. Both are important — but they protect different people.

Does rental insurance cover lost rent in Missouri?

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Yes. Most Missouri landlord policies include loss of rental income coverage. If a covered peril (fire, storm, etc.) makes your rental uninhabitable, the policy reimburses the rent you lose during repairs.

Can you insure multi-unit properties in Missouri?

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Yes. We insure single-family rentals, duplexes, triplexes, fourplexes, and larger apartment buildings across Missouri. Coverage scales to fit your portfolio.

Protecting Missouri landlords since 1992.

Let us review your current coverage and make sure your Missouri rental property, rental income, and liability are properly protected.

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660-665-1687 · 660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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