Gavop tells you how to get the best homeowners insurance in Montgomery County, MO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $77,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $127,000 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $161,000 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $329,000 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$146 | $664 |
| Superior Protection Discount | -$81 | $729 |
| Fire & Security Discount | -$89 | $721 |
| Hail Resistant Roof Discount | -$24 | $785 |
| Newly Constructed Home Discount | -$186 | $624 |
| 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 |
| Montgomery County | $1,000 | $800 | $1,800 | $581 | $1,581 | $219 |
| Montgomery County, MO | $700 | $800 | $1,500 | $581 | $1,281 | $219 |
| Vandalia, MO | $100 | $797 | $897 | $579 | $679 | $218 |
| McCredie, MO | $2,500 | $1,116 | $3,616 | $811 | $3,311 | $305 |
| Osage County, MO | $300 | $889 | $1,189 | $646 | $946 | $243 |
| Owensville, MO | $2,500 | $870 | $3,370 | $633 | $3,133 | $238 |
| O'Fallon, MO | $500 | $865 | $1,365 | $628 | $1,128 | $236 |
| Villa Ridge, MO | $1,000 | $1,076 | $2,076 | $782 | $1,782 | $294 |
| Pleasant Hill, IL | $100 | $491 | $591 | $357 | $457 | $134 |
| Hartsburg, MO | $2,500 | $884 | $3,384 | $643 | $3,143 | $242 |
| Wildwood, MO | $100 | $1,491 | $1,591 | $1,084 | $1,184 | $408 |
| Home Insurance Company Montgomery County, MO | Homeowners Insurance Agency Montgomery County, MO | Address | Popularity Score | Distance from Montgomery County (miles) |
|---|---|---|---|---|
| Farmers | Chris Yettke | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 49.0 | |
| State Farm | Sandy Kessler | 1293 Bryan Rd, O Fallon, MO, 63366-3729 | 40.6 | |
| Travelers | All Insurance Llc | 4620 S St Peters Parkway, St Charles, MO, 63304 | 47.8 | |
| Travelers | Ahl Insurance Agency | 1480 Woodstone Dr 1480 Woodstone Dr Saint Charles, St Charles, MO, 63304 | 49.3 | |
| Travelers | Global Green Insurance Agency | 995 Cool Springs Industrial Dr, Ofallon, MO, 63366 | 43.1 | |
| State Farm | Trudy Sommers | 1005 Northeast Drive, Jefferson City, MO, 65109-4718 | 46.8 | |
| Liberty Mutual Independent | Dan Alabach Group | 100 Chesterfield Business Pkwy Ste 200, Chesterfield, MO, 63005 | 49.3 | |
| Liberty Mutual Independent | Tri County Agency | 3 E Allen St, Wentzville, MO, 63385 | 34.1 | |
| Travelers | The Tag Group Inc | 100 Chesterfield Business Pkwy Ste 200, Chesterfield, MO, 63005 | 49.3 | |
| State Farm | Tom Wootten | 5047 Hwy N, St. Charles, MO, 63304 | 46.4 |
| 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 | $1,500 | $760 |
| Montgomery County, MO | $105,300 | $810 | $550 | $1,150 | $600 |
| Montgomery County, MO | $105,300 | $810 | $580 | $1,150 | $570 |
| Vandalia, MO | $64,400 | $807 | $570 | $1,150 | $580 |
| McCredie, MO | $163,400 | $1,130 | $820 | $1,620 | $800 |
| Osage County, MO | $140,500 | $900 | $620 | $1,290 | $670 |
| Owensville, MO | $82,300 | $881 | $640 | $1,220 | $580 |
| O'Fallon, MO | $207,700 | $875 | $630 | $1,200 | $570 |
| Villa Ridge, MO | $147,200 | $1,089 | $790 | $1,560 | $770 |
| Pleasant Hill, IL | $60,800 | $497 | $340 | $700 | $360 |
| Hartsburg, MO | $86,000 | $895 | $640 | $1,260 | $620 |
| Wildwood, MO | $367,000 | $1,509 | $1,100 | $2,070 | $970 |