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For the vast majority of Missouri homeowners, their house is their largest investment and their biggest asset, so it only makes good economic sense that they would want to protect their home in the best way they can – and for most people that means through homeowner's insurance.

But that still leaves the question of how to get the best rate on homeowner's insurance in Missouri.

Keeping homeowner's insurance costs under control – at least to an extent – is well within the reach of each individual homeowner.

Start with the basics. Make sure you have a smoke and fire alarm in each room of your house as recommended – and make sure that they are all working. Batteries need to be changed twice yearly – most people change the batteries each time we change from daylight savings time to standard and again when we change back.

Buy a fire extinguisher for the kitchen and another extinguisher for each floor of the house.

Check all windows and make sure each has a working lock. Every door to the outside needs a working deadbolt lock as well.

Keep brush, weeds and trash cleared at least 30 feet from all structures to reduce the danger of fire.

Keep bushes around doors and windows trimmed so they do not provide an easy hiding place for burglars.

If you can afford to install an electronic fire and intruder system, doing so will save you a considerable amount of money every year on your homeowner's policy.

Next determine what the replacement cost for your home would be – in other words, how much would it cost today to rebuild your home from the ground up if it were destroyed. You should insure your home for its full replacement cost, plus the cost of your home's contents – but do not make the mistake of insuring the value of the land on which your home sits. In case of a catastrophe your home could be destroyed, but the land will remain intact.

Now go online and start the process of comparing homeowner policies and prices with as wide a range of insurance companies as possible. Keep in mind that since no one website compares all insurance companies in Missouri you will need to take the extra time and effort to run full comparisons on at least 3 different websites.

The end result should be that you will now know how to get the best rates on homeowner's insurance in Missouri and you will be able to save a considerable amount of money year after year on your homeowner's insurance rates.