Gavop shows you how to buy homeowners insurance in Charleston, 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 | $30,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $92,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $104,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $117,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $200,000 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $541 |
| Superior Protection Discount | -$67 | $601 |
| Fire & Security Discount | -$73 | $594 |
| Hail Resistant Roof Discount | -$13 | $654 |
| Newly Constructed Home Discount | -$140 | $528 |
| 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 |
| Mississippi County | $2,500 | $701 | $3,201 | $510 | $3,010 | $192 |
| Charleston, MO | $2,000 | $660 | $2,660 | $479 | $2,479 | $180 |
| Mounds, IL | $400 | $428 | $828 | $311 | $711 | $117 |
| Pike, MO | $2,500 | $896 | $3,396 | $651 | $3,151 | $245 |
| Fulton, KY | $500 | $702 | $1,202 | $510 | $1,010 | $192 |
| Jonesboro, IL | $700 | $580 | $1,280 | $421 | $1,121 | $158 |
| Cape Girardeau County, MO | $200 | $1,012 | $1,212 | $735 | $935 | $276 |
| Hendron, KY | $2,000 | $958 | $2,958 | $696 | $2,696 | $262 |
| Vienna No. 3, IL | $200 | $589 | $789 | $428 | $628 | $161 |
| West Brooklyn, IL | $2,000 | $589 | $2,589 | $428 | $2,428 | $161 |
| Lick Creek, IL | $400 | $618 | $1,018 | $449 | $849 | $169 |
| Goreville No. 2, IL | $700 | $693 | $1,393 | $503 | $1,203 | $189 |
| Home Insurance Company Charleston, MO | Homeowners Insurance Agency Charleston, MO | Address | Popularity Score | Distance from Charleston (miles) |
|---|---|---|---|---|
| Farmers | Chelsea Eaton | 1166 Greenway Dr Ste B5, Jackson, MO, 63755 | 35.6 | |
| Travelers | Mitchell Insurance | P O Box 10, Sikeston, MO, 63801 | 14.3 | |
| Travelers | Self Insurance Agency | 2201 E Malone Ave, Sikeston, MO, 63801 | 12.2 | |
| Travelers | Self Insurance Agency | 2201 E Malone, Sikeston, MO, 63801 | 12.1 | |
| State Farm | Chris Brannan | 912 N One Mile Road, Dexter, MO, 63841-1036 | 36.1 | |
| Farmers | Melissa Coots | 603 S Main St Ste C, Sikeston, MO, 63801 | 13.8 | |
| Farmers | Bard Womack | 1720 Kings Way Dr Unit 104, Cape Girardeau, MO, 63701 | 31.3 | |
| State Farm | Greg Comer | 225 S Main St, Sikeston, MO, 63801-3033 | 13.9 | |
| State Farm | Joe Recker | 114 N Ingram Rd, Sikeston, MO, 63801-5231 | 13.2 | |
| Farmers | Troy Shearrer | 406 N Douglass St, Malden, MO, 63863 | 43.0 |
| 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 | $1,540 | $770 |
| Mississippi County, MO | $73,400 | $710 | $520 | $980 | $460 |
| Charleston, MO | $61,800 | $668 | $470 | $910 | $440 |
| Mounds, IL | $47,400 | $433 | $320 | $600 | $280 |
| Pike, MO | $89,100 | $907 | $610 | $1,300 | $690 |
| Fulton, KY | $82,700 | $711 | $510 | $1,000 | $490 |
| Jonesboro, IL | $82,500 | $587 | $390 | $820 | $430 |
| Cape Girardeau County, MO | $151,900 | $1,024 | $690 | $1,400 | $710 |
| Hendron, KY | $153,800 | $970 | $710 | $1,340 | $630 |
| Vienna No. 3, IL | $85,000 | $596 | $440 | $830 | $390 |
| West Brooklyn, IL | $84,800 | $596 | $440 | $840 | $400 |
| Lick Creek, IL | $92,900 | $625 | $440 | $860 | $420 |
| Goreville No. 2, IL | $116,300 | $701 | $470 | $970 | $500 |