Gavop's guide to buying homeowners insurance in De Soto, MO covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $38,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $72,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $109,000 | $100,000 | $75,000-$100,000 |
| 4 Bedroom | $147,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $203,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $659 |
| Superior Protection Discount | -$72 | $732 |
| Fire & Security Discount | -$72 | $732 |
| Hail Resistant Roof Discount | -$16 | $788 |
| Newly Constructed Home Discount | -$209 | $595 |
| 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 |
| Jefferson County | $1,500 | $1,017 | $2,517 | $739 | $2,239 | $278 |
| De Soto, MO | $700 | $794 | $1,494 | $577 | $1,277 | $217 |
| River View, MO | $500 | $844 | $1,344 | $613 | $1,113 | $231 |
| Herculaneum, MO | $2,000 | $1,087 | $3,087 | $790 | $2,790 | $297 |
| Imperial, MO | $100 | $801 | $901 | $582 | $682 | $219 |
| Lakeshire, MO | $1,500 | $1,223 | $2,723 | $889 | $2,389 | $334 |
| Gravois, MO | $200 | $803 | $1,003 | $583 | $783 | $219 |
| Bel-Nor, MO | $1,500 | $1,017 | $2,517 | $739 | $2,239 | $278 |
| Glen Echo Park, MO | $200 | $932 | $1,132 | $677 | $877 | $255 |
| St. Marys, MO | $2,000 | $1,122 | $3,122 | $816 | $2,816 | $307 |
| Bridgeton, MO | $100 | $788 | $888 | $573 | $673 | $215 |
| Moline Acres, MO | $700 | $822 | $1,522 | $597 | $1,297 | $225 |
| Home Insurance Company De Soto, MO | Homeowners Insurance Agency De Soto, MO | Address | Popularity Score | Distance from De Soto (miles) |
|---|---|---|---|---|
| State Farm | Amanda Shipman | 102 W Russell St, Ironton, MO, 63650-1313 | 37.7 | |
| State Farm | Tania Interian | 12084 Manchester Rd, Des Peres, MO, 63131-4401 | 32.5 | |
| Liberty Mutual Independent | The Daniel & Henry Co | 1001 Highlands Plaza Dr W Saint Louis, St. Louis, MO, 63110 | 37.0 | |
| Travelers | Graves Insurance Group | 10097 Manchester Rd Ste 100, St Louis, MO, 63122 | 33.2 | |
| Travelers | Partners Insurance Inc | 9201 Watson Rd Ste 222, St Louis, MO, 63126 | 30.6 | |
| State Farm | Diana Holdinghausen | 1713 Madison Ave, Washington, MO, 63090 | 36.6 | |
| Liberty Mutual Independent | Weiss Insurance Agency | 683 Trade Center Blvd Ste 100, Chesterfield, MO, 63005 | 36.5 | |
| Travelers | The Insurance Center | 2187 Pardoroyal Dr, St Louis, MO, 63131 | 31.9 | |
| State Farm | Matt Husband | 301 Saint Francois St, Florissant, MO, 63031-5042 | 46.8 | |
| State Farm | Eric Thomas | 2794a N Highway 67, Florissant, MO, 63033-1402 | 48.0 |
| 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 | $1,510 | $770 |
| Jefferson County, MO | $154,100 | $1,030 | $690 | $1,430 | $740 |
| De Soto, MO | $103,300 | $804 | $570 | $1,150 | $580 |
| River View, MO | $121,900 | $854 | $620 | $1,220 | $600 |
| Herculaneum, MO | $151,400 | $1,100 | $780 | $1,570 | $790 |
| Imperial, MO | $168,000 | $811 | $560 | $1,140 | $580 |
| Lakeshire, MO | $210,800 | $1,238 | $900 | $1,760 | $860 |
| Gravois, MO | $168,500 | $813 | $580 | $1,150 | $570 |
| Bel-Nor, MO | $125,700 | $1,029 | $730 | $1,430 | $700 |
| Glen Echo Park, MO | $99,200 | $943 | $650 | $1,310 | $660 |
| St. Marys, MO | $165,700 | $1,136 | $830 | $1,580 | $750 |
| Bridgeton, MO | $159,900 | $798 | $550 | $1,140 | $590 |
| Moline Acres, MO | $70,300 | $832 | $570 | $1,180 | $610 |