Gavop shows you how to buy homeowners insurance in Scotland County, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $36,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $78,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $125,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $119,500 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $309,000 | $280,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $636 |
| Superior Protection Discount | -$74 | $665 |
| Fire & Security Discount | -$59 | $680 |
| Hail Resistant Roof Discount | -$22 | $717 |
| Newly Constructed Home Discount | -$177 | $562 |
| 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 |
| Scotland County | $1,500 | $730 | $2,230 | $531 | $2,031 | $200 |
| Scotland County, MO | $2,000 | $730 | $2,730 | $531 | $2,531 | $200 |
| Schuyler County, MO | $500 | $698 | $1,198 | $507 | $1,007 | $191 |
| Kahoka, MO | $2,000 | $849 | $2,849 | $617 | $2,617 | $232 |
| Worthington, MO | $300 | $618 | $918 | $449 | $749 | $169 |
| Novelty, MO | $700 | $714 | $1,414 | $519 | $1,219 | $195 |
| Floris, IA | $300 | $539 | $839 | $392 | $692 | $147 |
| Dickerson, MO | $500 | $1,202 | $1,702 | $874 | $1,374 | $329 |
| Bethel, MO | $2,000 | $804 | $2,804 | $584 | $2,584 | $220 |
| Black Creek, MO | $200 | $811 | $1,011 | $589 | $789 | $222 |
| Putnam County, MO | $1,000 | $738 | $1,738 | $536 | $1,536 | $202 |
| Home Insurance Company Scotland County, MO | Homeowners Insurance Agency Scotland County, MO | Address | Popularity Score | Distance from Scotland County (miles) |
|---|---|---|---|---|
| State Farm | Racquel Schempp | 1220 N Baltimore St, Kirksville, MO, 63501 | 28.3 | |
| State Farm | Chad Davis | 105 E Reed St. Suite D, Edina, MO, 63537 | 19.4 | |
| State Farm | Brett Brewer | 129 S Main St, Memphis, MO, 63555-1423 | 1.6 | |
| State Farm | Brett Brewer | 225 West Commercial, Kahoka, MO, 63445 | 22.3 | |
| State Farm | Jane Hunziker | 413 Clark St, Canton, MO, 63435-1308 | 39.5 | |
| State Farm | Chad Davis | 111 W Jefferson Street, Kirksville, MO, 63501-4627 | 29.2 | |
| State Farm | Chad Davis | 111 W Jefferson St, Kirksville, MO, 63501-3468 | 29.2 | |
| State Farm | Tamara Sewell-Brown | 2644 Main St, Unionville, MO, 63565-1078 | 46.0 | |
| Travelers | Robert H Johnson Agcy Inc | 405 Clark St Ste 120, Canton, MO, 63435 | 39.5 | |
| State Farm | Jane Hunziker | 413 Clark St, Canton, MO, 63435-1308 | 39.5 |
| 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 | $1,510 | $770 |
| Scotland County, MO | $82,000 | $739 | $520 | $1,020 | $500 |
| Scotland County, MO | $82,000 | $739 | $540 | $1,040 | $500 |
| Schuyler County, MO | $72,500 | $706 | $490 | $1,010 | $520 |
| Kahoka, MO | $76,700 | $859 | $610 | $1,220 | $610 |
| Worthington, MO | $27,900 | $626 | $420 | $900 | $480 |
| Novelty, MO | $46,400 | $723 | $480 | $1,020 | $540 |
| Floris, IA | $66,000 | $546 | $370 | $780 | $410 |
| Dickerson, MO | $200,900 | $1,217 | $830 | $1,730 | $900 |
| Bethel, MO | $66,000 | $814 | $550 | $1,130 | $580 |
| Black Creek, MO | $67,600 | $821 | $560 | $1,140 | $580 |
| Putnam County, MO | $84,500 | $747 | $530 | $1,030 | $500 |