Gavop shows you how to buy homeowners insurance in Polk County, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $128,000 | $110,000 | $150,000-$175,000 |
| 3 Bedroom | $191,500 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $270,000 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $415,000 | $380,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$186 | $792 |
| Superior Protection Discount | -$88 | $890 |
| Fire & Security Discount | -$98 | $880 |
| Hail Resistant Roof Discount | -$29 | $949 |
| Newly Constructed Home Discount | -$235 | $743 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Polk County | $2,000 | $967 | $2,967 | $702 | $2,702 | $264 |
| Polk County, MO | $700 | $967 | $1,667 | $702 | $1,402 | $264 |
| Wishart, MO | $400 | $922 | $1,322 | $670 | $1,070 | $252 |
| McKinley, MO | $1,500 | $1,149 | $2,649 | $835 | $2,335 | $314 |
| Flemington, MO | $300 | $866 | $1,166 | $630 | $930 | $237 |
| Hermitage, MO | $2,500 | $922 | $3,422 | $670 | $3,170 | $252 |
| Republic, MO | $100 | $848 | $948 | $616 | $716 | $232 |
| West Polk, MO | $1,000 | $1,090 | $2,090 | $792 | $1,792 | $298 |
| Monegaw, MO | $2,500 | $844 | $3,344 | $613 | $3,113 | $231 |
| Cole, MO | $200 | $926 | $1,126 | $673 | $873 | $253 |
| Ponce de Leon, MO | $1,500 | $1,119 | $2,619 | $813 | $2,313 | $306 |
| Home Insurance Company Polk County, MO | Homeowners Insurance Agency Polk County, MO | Address | Popularity Score | Distance from Polk County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Capstone Insurors | 1053 E Broadway St, Bolivar, MO, 65613 | 0.1 | |
| State Farm | Karla A Woods | 1336 S Ash St Ste 100, Buffalo, MO, 65622 | 16.3 | |
| State Farm | Sarah Rader | 1680 Us Highway 60 E, Republic, MO, 65738-9483 | 33.2 | |
| State Farm | Giana Andrews | 930 S Spfld Ave, Bolivar, MO, 65613-2460 | 0.6 | |
| Liberty Mutual Independent | Croley Insurance & Financial | 3705 E Battlefield St, Springfield, MO, 65809 | 33.2 | |
| State Farm | Chuck Medley | 5912 Barbara St, Rogersville, MO, 65742-7448 | 36.6 | |
| State Farm | Rob Akers | 1901a S Glenstone Ave, Springfield, MO, 65804-2304 | 31.1 | |
| State Farm | Bryant Chastain | 720 W Broadway St, Bolivar, MO, 65613-1408 | 1.0 | |
| State Farm | Suzie Brodersen | 1872 Commercial Street, Warsaw, MO, 65355-3037 | 43.9 | |
| Travelers | Gross Insurance Agency | 8 Camden Ct Se, Camdenton, MO, 65020 | 45.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $740 | $1,530 | $790 |
| Polk County, MO | $122,600 | $978 | $660 | $1,390 | $730 |
| Polk County, MO | $122,600 | $978 | $670 | $1,380 | $710 |
| Wishart, MO | $96,300 | $933 | $680 | $1,300 | $620 |
| McKinley, MO | $177,300 | $1,163 | $850 | $1,660 | $810 |
| Flemington, MO | $81,300 | $877 | $600 | $1,220 | $620 |
| Hermitage, MO | $96,200 | $933 | $660 | $1,300 | $640 |
| Republic, MO | $123,500 | $858 | $590 | $1,220 | $630 |
| West Polk, MO | $152,600 | $1,103 | $750 | $1,560 | $810 |
| Monegaw, MO | $75,600 | $854 | $580 | $1,190 | $610 |
| Cole, MO | $97,500 | $937 | $650 | $1,300 | $650 |
| Ponce de Leon, MO | $164,400 | $1,133 | $820 | $1,620 | $800 |