Gavop's guide to buying homeowners insurance in Stoddard County, 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.
| Stoddard County, 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 | |
| S Park St, Co Rd 268, Co Rd 604, Town and Country Dr, Co Rd 502, Co Rd 705, Co Rd 267, Co Rd 754, Delbert Ln, Eubanks Dr | $100,000 | $90,000 | $100,000-$125,000 | $75,500 | $70,000 | $75,000-$100,000 |
| Tablerock, Wilsons Trailer Ct, Maple, N Woodland Dr, Bilbrey Ln, Co Rd 732, Falya St, N 2nd Ave, Folk Ave, W Elk St | $88,000 | $70,000 | $100,000-$125,000 | $82,000 | $70,000 | $75,000-$100,000 |
| S Turnbaugh St, N Outer Rd, Payne Ave, Co Rd 317, N Hickman St, Cravens Ln, Timber Creek Rd, Draper Rd, S One Mile Rd, Co Rd 737 | $105,500 | $100,000 | $100,000-$125,000 | $55,000 | $50,000 | $50,000-$75,000 |
| Hidden Trail Cir, Co Rd 533A, State Hwy F, Co Rd 203, N Lakeview Dr, E Main St N, Co Rd 518, W Whitwell St, Co Rd 779, Bus Loop Sthwy 25 | $78,000 | $70,000 | $50,000-$75,000 | $111,000 | $100,000 | $100,000-$125,000 |
| S Outer Rd, N Church St, Co Rd 234, Co Rd 211, State Hwy Oo, Bernie Housing Authority, Misty Morning Ln, Ann St, Sycamore Rd, Co Rd 267A | $103,500 | $100,000 | $100,000-$125,000 | $107,500 | $100,000 | $100,000-$125,000 |
| Co Rd 781, David St, Caitie Ln, W Market St, Co Rd 716, N Poplar St, Winfield St, Hannel Rd, Co Rd 718, S Park Ln | $72,000 | $70,000 | $75,000-$100,000 | $75,000 | $70,000 | $75,000-$100,000 |
| Kinder Dr, Teakwood Dr, Co Rd 783, E Crumb Ave, Co Rd 637, Co Rd 702, Medler Ln, Brown Pilot St, E Jefferson St, Flemming St | $105,500 | $90,000 | $100,000-$125,000 | $86,000 | $80,000 | $75,000-$100,000 |
| W Taylor St, Page St, Lambus St, Co Rd 232B, Wagon Wheel Ln, Co Rd 511, Darby St, Co Rd 789, Co Rd 693, Medler St | $141,000 | $120,000 | $150,000-$175,000 | $73,000 | $70,000 | $50,000-$75,000 |
| Co Rd 284, E North Main St, Co Rd 589, Main St, Co Rd 287, Hickory Hills Dr, Condor St, E Grant St, E Vine St, W Joyce Ave | $102,500 | $90,000 | $75,000-$100,000 | $110,000 | $100,000 | $100,000-$125,000 |
| Co Rd 533, Mallory St, Co Rd 637, Co Rd 763, Co Rd 330, Co Rd 554, Co Rd 514, Saddle Dr, W Sand Rd, Idalia Rd | $100,000 | $80,000 | $100,000-$125,000 | $130,000 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $661 |
| Superior Protection Discount | -$69 | $699 |
| Fire & Security Discount | -$69 | $699 |
| Hail Resistant Roof Discount | -$15 | $753 |
| Newly Constructed Home Discount | -$184 | $584 |
| 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 |
| Stoddard County | $1,000 | $759 | $1,759 | $552 | $1,552 | $208 |
| Stoddard County, MO | $2,000 | $759 | $2,759 | $552 | $2,552 | $208 |
| Elk, MO | $200 | $885 | $1,085 | $643 | $843 | $242 |
| Morehouse, MO | $1,500 | $752 | $2,252 | $546 | $2,046 | $205 |
| Delta, MO | $400 | $801 | $1,201 | $582 | $982 | $219 |
| Marston, MO | $2,500 | $678 | $3,178 | $493 | $2,993 | $185 |
| Epps, MO | $400 | $1,023 | $1,423 | $743 | $1,143 | $279 |
| Payne-Swain, AR | $1,500 | $635 | $2,135 | $462 | $1,962 | $174 |
| Bradshaw-Haywood, AR | $300 | $890 | $1,190 | $647 | $947 | $243 |
| Twelvemile, MO | $2,000 | $1,042 | $3,042 | $757 | $2,757 | $285 |
| Ellsinore, MO | $100 | $834 | $934 | $606 | $706 | $228 |
| Home Insurance Company Stoddard County, MO | Homeowners Insurance Agency Stoddard County, MO | Address | Popularity Score | Distance from Stoddard County (miles) |
|---|---|---|---|---|
| Farmers | Marissa Van Gennip | 19806 State Highway C, Advance, MO, 63730 | 17.2 | |
| Travelers | Mitchell Insurance | P O Box 10, Sikeston, MO, 63801 | 19.7 | |
| Travelers | Golden Rule Insurance Associates | 2102 E Blvd, Jackson, MO, 63755 | 39.1 | |
| State Farm | Stuart Beussink | 301 High St, Marble Hill, MO, 63764-9111 | 31.1 | |
| Farmers | Tom Smith | 1928 Golden Eagle Ct Ste 3, Cape Girardeau, MO, 63701 | 38.8 | |
| State Farm | Eddy Justice | 204 Ferguson St, Poplar Bluff, MO, 63901-4900 | 26.4 | |
| Allstate | Rinehart Insurance | 2102 N Outer Rd, Dexter, MO, 63841 | 4.6 | |
| State Farm | Chris Brannan | 912 N One Mile Road, Dexter, MO, 63841-1036 | 3.9 | |
| Farmers | Lance Inman | 808 Speciality Dr Ste C, Dexter, MO, 63841 | 4.0 | |
| Liberty Mutual Independent | W E Walker - Lakenan Llc | 117 South Broadview Cape Girardeau, Cape Girardeau, MO, 63703 | 37.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $770 | $1,550 | $780 |
| Stoddard County, MO | $91,300 | $769 | $510 | $1,060 | $550 |
| Stoddard County, MO | $91,300 | $769 | $550 | $1,050 | $500 |
| Elk, MO | $86,300 | $896 | $640 | $1,270 | $630 |
| Morehouse, MO | $54,300 | $761 | $560 | $1,080 | $520 |
| Delta, MO | $65,300 | $811 | $560 | $1,140 | $580 |
| Marston, MO | $39,000 | $686 | $500 | $940 | $440 |
| Epps, MO | $127,900 | $1,035 | $690 | $1,480 | $790 |
| Payne-Swain, AR | $32,800 | $643 | $440 | $910 | $470 |
| Bradshaw-Haywood, AR | $80,000 | $901 | $600 | $1,270 | $670 |
| Twelvemile, MO | $134,800 | $1,055 | $720 | $1,510 | $790 |
| Ellsinore, MO | $73,100 | $844 | $580 | $1,160 | $580 |