Gavop's guide to buying homeowners insurance in Buffalo, 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.
| Buffalo, 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 | |
| Co Rd 306, State Hwy U, Pike 463, Pike 115, Co Rd 9203, King St, Co Rd Cannon 256, Co Rd 9120, N 3rd St, 1st St | $149,500 | $130,000 | $150,000-$175,000 | $112,500 | $100,000 | $100,000-$125,000 |
| Co Rd 88, Co Rd 238, Co Rd 42, Griffin St, Pike 417, Co Rd 120, Outer Rd, Pike 324, Pike 309, Pike 316 | $121,000 | $110,000 | $125,000-$150,000 | $111,000 | $100,000 | $75,000-$100,000 |
| Pike 103, Pike 482, Co Rd 470, Pike 9246, Co Rd 300, Co Rd 427, Pike 303, Pike 481, Co Rd 9268, Old Dameron Rd | $71,000 | $60,000 | $50,000-$75,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Co Rd 426, Locust St, Co Rd 214, Co Rd 252, Cole's Valley Rd, Co Rd 318, Co Rd 9226, Co Rd 276, Hwy D, Pi Co 124 | $90,000 | $80,000 | $100,000-$125,000 | $89,500 | $80,000 | $50,000-$75,000 |
| Co Rd 157, State Hwy H, Pike 9126, Stone Bridge Rd, State Hwy E, Co Rd 454, US Hwy 61 Bus, Pike 499, Pike 9111, Co Rd 444 | $99,000 | $90,000 | $75,000-$100,000 | $90,500 | $80,000 | $75,000-$100,000 |
| Co Rd 9277, Co Rd 25, Co Rd 103, N 2nd St, Co Rd 219, Pike 340, Co Rd 458, State Hwy Uu, Pike 256, Pike 226 | $177,000 | $160,000 | $200,000-$250,000 | $123,500 | $120,000 | $125,000-$150,000 |
| Pike 385, Pike 267, Pike 129, Co Rd 464, Hwy K, McCartys Ct, Pike 230, Pike 124, Co Rd 457, Pike 38 | $133,500 | $110,000 | $100,000-$125,000 | $96,000 | $90,000 | $100,000-$125,000 |
| Co Rd 224, Co Rd 228, Liberty Church Rd, Wheeler Ln, State Hwy E, Pike 7, Co Rd 310, Lewis St, S D St, Pike 283 | $145,000 | $130,000 | $150,000-$175,000 | $98,000 | $90,000 | $75,000-$100,000 |
| Co Rd 102, Pike 318, Pike 260, Co Rd 152, Co Rd 404, Co Rd 409, Pike 286, Pike 9222, Co Rd 48, Hwy P | $108,000 | $100,000 | $100,000-$125,000 | $108,500 | $90,000 | $100,000-$125,000 |
| Lynns Ct, Hwy Yy, Maple Ave, Co Rd 226, Co Rd 50, Co Rd 400, Pike 41, Pike 9486, Pike 9264, Hwy 161 | $176,500 | $150,000 | $150,000-$175,000 | $130,500 | $120,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$60 | $696 |
| Home and Two Car | -$121 | $635 |
| Home and Three Car | -$181 | $575 |
| 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 |
| Pike County | $1,000 | $803 | $1,803 | $584 | $1,584 | $220 |
| Buffalo, MO | $2,500 | $747 | $3,247 | $543 | $3,043 | $204 |
| Belleview, IL | $300 | $565 | $865 | $411 | $711 | $154 |
| Hannibal, MO | $2,500 | $771 | $3,271 | $560 | $3,060 | $211 |
| Calhoun County, IL | $200 | $629 | $829 | $457 | $657 | $172 |
| Elkhorn, IL | $1,500 | $951 | $2,451 | $691 | $2,191 | $260 |
| Wright City, MO | $300 | $1,053 | $1,353 | $765 | $1,065 | $288 |
| Winchester No. 1, IL | $700 | $697 | $1,397 | $506 | $1,206 | $190 |
| Stoutsville, MO | $100 | $1,103 | $1,203 | $801 | $901 | $301 |
| Josephville, MO | $2,000 | $1,380 | $3,380 | $1,003 | $3,003 | $377 |
| Salt River, MO | $400 | $808 | $1,208 | $587 | $987 | $221 |
| St. Charles County, MO | $700 | $1,113 | $1,813 | $809 | $1,509 | $304 |
| Home Insurance Company Buffalo, MO | Homeowners Insurance Agency Buffalo, MO | Address | Popularity Score | Distance from Buffalo (miles) |
|---|---|---|---|---|
| Farmers | David Richter | 1020 Rock Creek Elementary School Dr, O Fallon, MO, 63366 | 47.8 | |
| Farmers | Jonathan Clark | 8065 Mexico Rd Ste 200, Saint Peters, MO, 63376 | 48.9 | |
| Allstate | Adam J. Smith | 635 Salt Lick Rd, Saint Peters, MO, 63376 | 49.0 | |
| State Farm | Mike Haight | 300 W Pearce Blvd, Wentzville, MO, 63385-1422 | 43.6 | |
| Travelers | Global Green Insurance Agency | 995 Cool Springs Industrial Dr, Ofallon, MO, 63366 | 47.1 | |
| Liberty Mutual Independent | Midwest Agency | 8917 Veterans Memorial Pkwy O Fallon, O'Fallon, MO, 63366 | 47.3 | |
| State Farm | Randy Stegmann | 517 W Pearce Blvd, Wentzville, MO, 63385-1342 | 43.6 | |
| Farmers | Kourtney Tilley | 806 Runny Meade Est, O Fallon, MO, 63366 | 46.9 | |
| Liberty Mutual Independent | Iroquois Midwest Inc | 223 Salt Lick Rd Ste 260, Saint Peters, MO, 63376 | 48.6 | |
| Farmers | Jason Duree | 300 Fort Zumwalt Sq Ste 100, O Fallon, MO, 63366 | 47.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $780 | $1,510 | $730 |
| Pike County, MO | $106,500 | $813 | $580 | $1,110 | $530 |
| Buffalo, MO | $87,400 | $756 | $540 | $1,080 | $540 |
| Belleview, IL | $78,600 | $572 | $380 | $810 | $430 |
| Hannibal, MO | $95,300 | $780 | $540 | $1,110 | $570 |
| Calhoun County, IL | $110,900 | $637 | $440 | $870 | $430 |
| Elkhorn, IL | $250,000 | $963 | $650 | $1,360 | $710 |
| Wright City, MO | $138,600 | $1,066 | $760 | $1,460 | $700 |
| Winchester No. 1, IL | $117,800 | $705 | $470 | $1,010 | $540 |
| Stoutsville, MO | $157,500 | $1,116 | $800 | $1,530 | $730 |
| Josephville, MO | $280,900 | $1,397 | $950 | $1,940 | $990 |
| Salt River, MO | $108,400 | $818 | $590 | $1,150 | $560 |
| St. Charles County, MO | $198,500 | $1,126 | $750 | $1,610 | $860 |