Gavop's guide to buying homeowners insurance in Three Creeks, 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 | $67,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $159,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $234,500 | $200,000 | $200,000-$250,000 |
| 4 Bedroom | $265,000 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $319,000 | $270,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$149 | $781 |
| Superior Protection Discount | -$93 | $837 |
| Fire & Security Discount | -$102 | $828 |
| Hail Resistant Roof Discount | -$19 | $911 |
| Newly Constructed Home Discount | -$205 | $725 |
| 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 |
| Boone County | $1,000 | $1,070 | $2,070 | $778 | $1,778 | $293 |
| Three Creeks, MO | $2,000 | $919 | $2,919 | $668 | $2,668 | $251 |
| Boone County, MO | $500 | $1,070 | $1,570 | $778 | $1,278 | $293 |
| North Moniteau, MO | $1,000 | $1,053 | $2,053 | $765 | $1,765 | $288 |
| Pilot Grove, MO | $200 | $1,223 | $1,423 | $889 | $1,089 | $334 |
| Bunceton, MO | $1,000 | $817 | $1,817 | $594 | $1,594 | $223 |
| Olean, MO | $100 | $856 | $956 | $622 | $722 | $234 |
| Osage County, MO | $700 | $889 | $1,589 | $646 | $1,346 | $243 |
| Armstrong, MO | $500 | $700 | $1,200 | $508 | $1,008 | $191 |
| Wellsville, MO | $2,000 | $788 | $2,788 | $573 | $2,573 | $215 |
| Morgan County, MO | $400 | $828 | $1,228 | $602 | $1,002 | $226 |
| Monroe County, MO | $1,500 | $794 | $2,294 | $577 | $2,077 | $217 |
| Home Insurance Company Three Creeks, MO | Homeowners Insurance Agency Three Creeks, MO | Address | Popularity Score | Distance from Three Creeks (miles) |
|---|---|---|---|---|
| State Farm | Stephanie Wilmsmeyer | 2609 E Broadway Ste 214, Columbia, MO, 65201-6398 | 9.2 | |
| State Farm | Dj Hinds | 3600 Interstate 70 Dr Se Ste C, Columbia, MO, 65201-6583 | 10.0 | |
| Travelers | Langworthy Insurance Agency | 103 W 4th St, Fulton, MO, 65251 | 17.0 | |
| State Farm | Dale Parker | 503 E Nifong Blvd Ste A1, Columbia, MO, 65201-3792 | 7.4 | |
| Travelers | Scott Agency Inc | 408 N Sturgeon St, Montgomery City, MO, 63361 | 42.2 | |
| State Farm | Trudy Sommers | 1005 Northeast Drive, Jefferson City, MO, 65109-4718 | 17.2 | |
| State Farm | Justin Hahn | 1305 Grindstone Pkwy Ste 109, Columbia, MO, 65201-3752 | 7.3 | |
| State Farm | Jim Kesterson | 1401 Southwest Blvd, Jefferson City, MO, 65109-2484 | 17.8 | |
| Farmers | David Westhoff | 603 S Henry Clay Blvd, Ashland, MO, 65010 | 3.4 | |
| State Farm | Greg Hill | 1609 Chapel Hill Rd Ste A, Columbia, MO, 65203-6368 | 9.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,490 | $760 |
| Boone County, MO | $177,800 | $1,083 | $780 | $1,530 | $750 |
| Three Creeks, MO | $242,900 | $930 | $680 | $1,320 | $640 |
| Boone County, MO | $177,800 | $1,083 | $730 | $1,510 | $780 |
| North Moniteau, MO | $138,800 | $1,066 | $740 | $1,510 | $770 |
| Pilot Grove, MO | $210,900 | $1,238 | $890 | $1,750 | $860 |
| Bunceton, MO | $69,000 | $827 | $570 | $1,180 | $610 |
| Olean, MO | $78,600 | $866 | $600 | $1,200 | $600 |
| Osage County, MO | $140,500 | $900 | $640 | $1,250 | $610 |
| Armstrong, MO | $43,300 | $708 | $470 | $980 | $510 |
| Wellsville, MO | $62,400 | $798 | $540 | $1,090 | $550 |
| Morgan County, MO | $115,600 | $838 | $580 | $1,160 | $580 |
| Monroe County, MO | $103,100 | $804 | $590 | $1,130 | $540 |