Gavop's guide to buying homeowners insurance in Oak Grove, 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 | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $115,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $132,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $202,500 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $132,000 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $715 |
| Superior Protection Discount | -$77 | $775 |
| Fire & Security Discount | -$68 | $784 |
| Hail Resistant Roof Discount | -$17 | $835 |
| Newly Constructed Home Discount | -$179 | $673 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,537 |
| Hail Damage | $4,618 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $15,884 |
| Home Insurance Company Oak Grove, MO | Homeowners Insurance Agency Oak Grove, MO | Address | Popularity Score | Distance from Oak Grove (miles) |
|---|---|---|---|---|
| Farmers | Brian Owens | 1040 Nw South Outer Rd, Blue Springs, MO, 64015 | 8.1 | |
| Travelers | Moyer & Moyer Insurance Agency Inc | 600 Sw Jefferson Ste 102, Lees Summit, MO, 64063 | 15.1 | |
| State Farm | Chad Mitchell | 3600 S Noland Rd Suite A, Independence, MO, 64055-1569 | 15.8 | |
| State Farm | Nick Mortallaro | 401 Sw Eagles Pkwy, Grain Valley, MO, 64029-8519 | 4.1 | |
| Travelers | Twin Lakes Insurance Agency | 608 Sw 3rd St, Lees Summit, MO, 64063 | 15.6 | |
| Allstate | Don Graves | 710 W Main St Ste I, Blue Springs, MO, 64015 | 7.8 | |
| State Farm | John Hardy | 1201 Nw Jefferson St Ste A, Blue Springs, MO, 64015-6400 | 8.3 | |
| Farmers | John Banks | 1400 Sw Eagles Pkwy, Grain Valley, MO, 64029 | 5.2 | |
| Travelers | Associated Services In Insurance | 1438 Minter Way Grain Valley, Grain Valley, MO, 64029 | 5.2 | |
| State Farm | Clint Osborn | 1208 Sw Us Highway 40, Blue Springs, MO, 64015-4612 | 8.1 |
| 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 |
| Jackson County, MO | $131,500 | $973 | $650 | $1,380 | $730 |
| Oak Grove, MO | $120,800 | $852 | $600 | $1,200 | $600 |
| Wood Heights, MO | $116,400 | $1,000 | $710 | $1,410 | $700 |
| Westwood Hills, KS | $381,900 | $2,047 | $1,600 | $2,760 | $1,160 |
| Oxford, KS | $337,300 | $1,918 | $1,500 | $2,590 | $1,090 |
| Grover, MO | $173,300 | $1,154 | $780 | $1,640 | $860 |
| Holt, MO | $92,500 | $919 | $650 | $1,270 | $620 |
| Sioux, MO | $301,300 | $1,032 | $690 | $1,430 | $740 |
| Adrian, MO | $97,400 | $937 | $640 | $1,290 | $650 |
| Elkhart, MO | $153,200 | $1,105 | $750 | $1,520 | $770 |
| Hill, MO | $72,300 | $840 | $600 | $1,150 | $550 |