It depends on your policy. Some policies have a separate deductible for windstorm claims, and that deductible may be higher than your policy's standard homeowners insurance deductible. Your windstorm deductible may be a set dollar amount or a percentage of one or more of your coverage limits. In either case, your insurance would pay for the covered portion of your claim, minus the deductible.

If a tornado damages your home, contact your insurance company immediately. Take a home inventory with photos and videos of the damage inside and outside your home, and save all receipts for expenses incurred. All documentation of your losses should be submitted during the claims process.
While some repairs may need to begin as soon as possible for your safety or to prevent further damage, you'll want to hold off on making permanent repairs until your insurance adjuster completes their inspection of the damage. Once that happens, be sure your repairs and updates help make it easier to prep your home for tornadoes in the future, minimizing repeat damage.

The cost is determined by several factors, such as your location, type of home, roof construction, and prior claims.

Homeowners insurance in Missouri isn't required by law, but your mortgage lender may require you to have a homeowners insurance policy. Even if you’ve paid off your home, homeowners insurance can help you protect what's likely your most valuable asset.

Progressive’s average monthly price in Missouri is $171.80, or $2,061.63 annually, for a 2024 policy. Remember that your cost for homeowners insurance in Missouri varies based on many factors, including your location, type of home, and claims history.