How Can I Make My Columbia, MO Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Columbia, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Columbia, MO Home Insurance Coverage Levels | Back to Top
| Columbia, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| E Boone Industrial Dr, S Bridgewood Dr, East Blvd, Wilson Turner Rd, Mohawk Ct, E Nashville Church Rd, Dogwood Ln, Bentley Ct, E Guy Nowlin Rd, Kirk Hill Rd | $169,500 | $150,000 | $150,000-$175,000 | $101,000 | $90,000 | $75,000-$100,000 |
| Dinwiddie Cir, Funderburg Mill Dr, W Rollingwood Blvd, Native Dancer Ct, E East Ct, N Maple Ct, Cherry Blossom Ln, Chesterfield Dr, Dene Dr, Zinnia Dr | $155,000 | $140,000 | $175,000-$200,000 | $112,000 | $90,000 | $100,000-$125,000 |
| Greenfield Ct, Orrine St, Riney Ln, Longfords Mill Dr, Face Rock Ct, Cheshire Ct, S Nebo Cemetary Rd, Misty Glen, Lewis St, E Nifong Blvd | $282,000 | $260,000 | $300,000-$350,000 | $131,000 | $110,000 | $100,000-$125,000 |
| Lowry St, Summit Peak Dr, Russell Blvd, Proctor Dr, Sundeck Dr, Burning Bush Rd, E Sunny Vale Dr, Claudell Ln, E Biggs Rd, Bear Creek Dr | $109,500 | $100,000 | $125,000-$150,000 | $148,500 | $130,000 | $125,000-$150,000 |
| S Coats Ln, Barrys Bluff Ct, Cherokee Ln, Hillshire Dr, N Hinkson Creek Rd, N Rainbow Dr, Black Oak Dr, N 2nd St, S Garth Ave, Towne Dr | $177,500 | $160,000 | $175,000-$200,000 | $111,500 | $90,000 | $75,000-$100,000 |
| S State Hwy Kk, Interstate 70 Dr NW, Scott Blvd, Bus Loop 70 E, Richmond Ave, Dublin Ave, Watertown Pl, Norfolk Ct, Yukon Dr, Cherry St | $237,500 | $220,000 | $200,000-$250,000 | $221,000 | $200,000 | $200,000-$250,000 |
| Majestic Cir, S Easley Rd, King Salmon Way, Rocheport Rd, Hialeah Dr, Big Bear Blvd, Teal Dr, S Louisville Dr, Old 63 N, N Zepnick Ct | $182,000 | $160,000 | $150,000-$175,000 | $156,000 | $140,000 | $125,000-$150,000 |
| Waco Rd, Spanish Bay Dr, Feldspar Ct, S la Vista Dr, Dean St, Old US Hwy 63 S, Tessa Way, N Chapman Ln, Sarazen Dr, N Frederick Ct | $139,000 | $110,000 | $125,000-$150,000 | $88,500 | $80,000 | $75,000-$100,000 |
| S State Hwy Dd, Circus Ave, Barnwood Dr, Hyde Park Ave, S Stanley Poe Rd, N Village Cir, N Countryshire Dr, S el Centro Ct, Fox Valley Ct, King Ave | $243,500 | $210,000 | $250,000-$300,000 | $135,500 | $120,000 | $150,000-$175,000 |
| W Havens Dr, Vandiver Dr, N Hwy Pp, Garnet Dr, Aspen Ridge Dr, Country Ln, Garden Ct, Isherwood Dr, Redbud Ln, Tracy Dr | $213,000 | $170,000 | $200,000-$250,000 | $151,000 | $120,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Columbia, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$176 | $923 |
| Superior Protection Discount | -$110 | $989 |
| Fire & Security Discount | -$110 | $989 |
| Hail Resistant Roof Discount | -$33 | $1,066 |
| Newly Constructed Home Discount | -$253 | $846 |
Choose your Columbia, MO Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,368 |
| Hail Damage | $4,571 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $15,884 |
Identify Top Home Insurance Agents near Columbia, MO | Back to Top
| Home Insurance Company Columbia, MO | Homeowners Insurance Agency Columbia, MO | Address | Popularity Score | Distance from Columbia (miles) |
|---|---|---|---|---|
| State Farm | Dj Hinds | 3600 Interstate 70 Dr Se Ste C, Columbia, MO, 65201-6583 | 2.5 | |
| Travelers | Concord Financial Alliance | 2407 W Ash St, Columbia, MO, 65203 | 2.7 | |
| State Farm | Stephanie Wilmsmeyer | 2609 E Broadway Ste 214, Columbia, MO, 65201-6398 | 1.3 | |
| Travelers | Dysart Agency | 117 N Lafayette Ave, Marshall, MO, 65340 | 48.4 | |
| State Farm | Justin Hahn | 1305 Grindstone Pkwy Ste 109, Columbia, MO, 65201-3752 | 2.5 | |
| Allstate | Ethan Peyton | 110 E Ash St, Columbia, MO, 65203 | 0.7 | |
| Liberty Mutual Independent | Naught-Naught Insurance Agency | 710 Market St, Fulton, MO, 65251 | 21.5 | |
| Farmers | Wendy Sprouse | 19 E Walnut St Ste E, Columbia, MO, 65203 | 0.7 | |
| State Farm | Brian Hazelrigg | 2415 Carter Ln Ste 100, Columbia, MO, 65201-5898 | 1.8 | |
| State Farm | David Samp | 1716 N Morley St, Moberly, MO, 65270-3646 | 34.4 |
Compare Rates for Columbia, MO Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,510 | $780 |
| Boone County, MO | $177,800 | $1,083 | $780 | $1,530 | $750 |
| Columbia, MO | $185,300 | $1,099 | $740 | $1,570 | $830 |
| Ashland, MO | $175,000 | $1,158 | $820 | $1,660 | $840 |
| Centralia, MO | $97,700 | $938 | $670 | $1,290 | $620 |
| Lake Mykee Town, MO | $157,300 | $1,115 | $810 | $1,550 | $740 |
| Calwood, MO | $130,400 | $1,042 | $720 | $1,450 | $730 |
| Kelly, MO | $84,800 | $890 | $610 | $1,240 | $630 |
| South Sugar Creek, MO | $110,600 | $982 | $680 | $1,360 | $680 |
| Wardsville, MO | $222,500 | $1,264 | $860 | $1,790 | $930 |
| Glasgow, MO | $94,000 | $925 | $660 | $1,300 | $640 |
| Westphalia, MO | $138,800 | $1,066 | $720 | $1,500 | $780 |
| Danville, MO | $124,400 | $1,025 | $710 | $1,470 | $760 |
Research Home Insurance Companies Reviews in Columbia, MO Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: August 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I am satisfied because I feel like the price of the policy is fair for the protection that the policy gives me.
Date: October 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
THEIR WEBSITE/ APP IS VERY HELPFUL WHEN YOU HAVE QUESTIONS AND IT IS EASY TO NAVIGATE. ANY QUESTIONS I HAVE HAD HAVE BEEN ANSWERED JUST BY LOOKING AT THE FAQS. IT SEEMS LIKE THEY HAVE THOUGHT OF EVERYTHING. IT HAS A NICE LAYOUT AND IS VERY EASY TO USE.
Date: September 16, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
THEY COVERED THE HOUSE AND THE DETACHED GARAGE, THE HOUSE AND GARAGE ARE PROTECTED IF DAMAGED BY FIRE OR ANY KIND OF STORM, FALLEN TREES ECT
Date: August 17, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I HAD DEALT WITH ANOTHER INSURANCE FOR MY CAR AND THEY WERE RUDE AND CONDESCENDING. BUT OUR HOUSE INSURANCE IS LIKE A DREAM IN COMPARISON. THEY GET BACK TO YOU RIGHT AWAY AND ARE VERY KIND AND UNDERSTANDING WHEN ANSWERING QUESTIONS.
Date: May 13, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
THEY GET BACK TO YOU REALLY FAST AND THEY ARE POLITE AND HELPFUL WHEN ANSWERING ANY QUESTIONS.
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
ITS THE LOWEST OFFER WE GOT, MY ONLY PROBLEM IS THAT I WISH IT WAS LOWER, BUT THAT WOULD BE A COMPLAINT about ANYONE ABOUT INSURANCE.
Allstate Home Insurance Reviews
Date: October 23, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Allstate is a great home insurance company. I have only ever had to submit one claim to them for a damaged roof from a storm. When I did submit the claim my agent was wonderful and walked me thru every step of the process.
Date: July 16, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
The policy offerings are what was required by my bank to buy the house. THey cover the structure and as much possessions as I want.
Date: January 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
Their policy selection and pricing are both great along with the coverage offered for the policies I have bought
Date: November 23, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
But my agent does send me an email every so often. I go over it to make sure my needs have not changed. Most providers offer the same coverage.
State Farm Home Insurance Reviews
Date: April 07, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
Flexible payment options with discounts for auto bill pay and chose of payment due date and late payment forgiveness for loyal patrons. home coverage never really covers every worry or variable.
Date: December 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
My premium is completely accurate for what I get for deductible and premium i pay 1% in deductible and by premium is the best out there for me. love the multi-line discount.
Liberty Mutual Home Insurance Reviews
Date: February 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I can only speak to my current policy. At the time we got it, it was cheaper than 2 other competitors we looked into. We'll be re-evaluating this year.
Travelers Home Insurance Reviews
Date: December 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
They offer employee incentive rates so that is a huge advantage compared to others I have had previously. They also offer easy website access.
Shelter Home Insurance Reviews
Date: September 13, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
The monthly premiums especially when house is very old and there's constant rate increases o n my home eventhough it haven't flooded in my area or home since 1974.
Auto Owners Insurance Home Insurance Reviews
Date: October 27, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Website/App
I only used the website once. I was able to find what I needed quickly but I didn't search around much. I usually call my agent if I
have a question or need information.