Gavop's guide to buying homeowners insurance in North Elkhorn, 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.
| North Elkhorn, 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 | |
| Firetower Rd, Scott Rd, Hinterwaid, Key Rd, Blackstock Rd, 5th St, Walnut Springs Ct, State Hwy Y, Village Dr, Hubbell Ln | $186,000 | $160,000 | $175,000-$200,000 | $118,500 | $100,000 | $125,000-$150,000 |
| Fort Dodge Dr, Berrinan Pl, N Strack Church Rd, Marks Crossing Ln, S Stringtown Rd, Hawks Nest, Dogwood Ln, Kitzbuhl Point Dr, Winchester Ct, Cedar Grove Village Ct | $126,500 | $110,000 | $125,000-$150,000 | $107,000 | $100,000 | $100,000-$125,000 |
| Buckeye Ct, Dean Wells Ct, Heiliger Hill, Willow Ct, Pueblo Ct, Fir Tree Ln, Juniper Ct, Elm Ct, Pershing Dr, Prairie Edge Ln | $123,000 | $100,000 | $100,000-$125,000 | $107,500 | $100,000 | $100,000-$125,000 |
| S Svc Rd W, Ft Laramie Ct, Lakeview Estates Dr, Saint Catherine St, Colby, Elkhorn Dr, Saddlefield Ct, Andrea Ave, Sycamore, Meyer | $169,500 | $160,000 | $125,000-$150,000 | $113,500 | $100,000 | $100,000-$125,000 |
| Fruit Farm Rd, E Camp Creek Rd, Robin Ave, Country Oak Ln, E N 2nd St, Rocky Ln, Hinderwald, Mobile Inn Trlr Ct, Wrigley Cir, Santa Maria | $186,000 | $180,000 | $175,000-$200,000 | $91,500 | $80,000 | $75,000-$100,000 |
| N Spoede Ln, E N 1st St, Browning Dr, Meine Ln, Mulberry Ct, Party Ln, Sherman Ct, Balboa Cir, Hwy T, Arlington Ct | $149,500 | $140,000 | $100,000-$125,000 | $128,000 | $110,000 | $125,000-$150,000 |
| Troy Ave, S Circle Dr, Persimmon-Hill, Powerline Rd, Rosemount, Massman Ln, Fairwaw Dr N, Rock Rd, W Wanderfern Circle Dr, Reames Ln | $101,500 | $90,000 | $100,000-$125,000 | $78,000 | $70,000 | $75,000-$100,000 |
| Christina Dr, Koelling, Cedar Grove, Little Bear Rd, Indian Bluff, E 2nd N St, St Jude, Pogue Rd, E 2nd St S, W Svc Rd S | $128,000 | $110,000 | $125,000-$150,000 | $121,500 | $110,000 | $100,000-$125,000 |
| Westwood Village, N Morgan, Cotton Rd, Rankin Rd, State Hwy Ee, Jason Kyle Dr, Vosholl, Thrush Ct, Remington Ct, Lakeside Cove | $190,000 | $170,000 | $175,000-$200,000 | $161,500 | $140,000 | $150,000-$175,000 |
| Alpine Ridge Dr, W Old Hwy 40, Dean Wells, Meadow Haven, S Svc Rd W, Red Oak Ln, Richmond Dr, Morgan Trail Ct, Walnut St, S Alpine Hills Dr | $175,500 | $160,000 | $175,000-$200,000 | $88,000 | $80,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $777 |
| Superior Protection Discount | -$90 | $813 |
| Fire & Security Discount | -$63 | $841 |
| Hail Resistant Roof Discount | -$18 | $886 |
| Newly Constructed Home Discount | -$253 | $651 |
| 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 |
| Warren County | $700 | $1,045 | $1,745 | $759 | $1,459 | $286 |
| North Elkhorn, MO | $1,000 | $893 | $1,893 | $649 | $1,649 | $244 |
| Pinckney, MO | $300 | $1,322 | $1,622 | $961 | $1,261 | $361 |
| Roark, MO | $2,000 | $1,039 | $3,039 | $755 | $2,755 | $284 |
| Lincoln County, MO | $200 | $1,017 | $1,217 | $739 | $939 | $278 |
| Upper Loutre, MO | $2,500 | $823 | $3,323 | $598 | $3,098 | $225 |
| St. Charles, MO | $400 | $1,079 | $1,479 | $784 | $1,184 | $295 |
| Wildhorse, MO | $1,500 | $927 | $2,427 | $673 | $2,173 | $253 |
| Hardin, IL | $100 | $651 | $751 | $473 | $573 | $178 |
| Calverton Park, MO | $700 | $839 | $1,539 | $610 | $1,310 | $229 |
| Bluffdale, IL | $400 | $648 | $1,048 | $471 | $871 | $177 |
| Home Insurance Company North Elkhorn, MO | Homeowners Insurance Agency North Elkhorn, MO | Address | Popularity Score | Distance from North Elkhorn (miles) |
|---|---|---|---|---|
| State Farm | Steve Martinez | 104 Holloway Road, Ballwin, MO, 63011-3215 | 38.9 | |
| Travelers | Norris Insurance Agency | 801 St Francois, Florissant, MO, 63031 | 47.1 | |
| State Farm | Mike Haight | 300 W Pearce Blvd, Wentzville, MO, 63385-1422 | 18.4 | |
| Travelers | Global Green Insurance Agency | 995 Cool Springs Industrial Dr, Ofallon, MO, 63366 | 27.8 | |
| State Farm | Dave Drissell | 105 Chstrfld Bus Pkwy, Chesterfield, MO, 63005-1233 | 33.2 | |
| Travelers | The Warren Group | 14567 N Outer 40 Rd Ste 125, Chesterfield, MO, 63017 | 37.9 | |
| State Farm | Dan Stegmann | 317 Clarkson Rd Ste 103, Ellisville, MO, 63011-2271 | 36.7 | |
| Liberty Mutual Independent | Tri County Agency | 3 E Allen St, Wentzville, MO, 63385 | 18.5 | |
| Travelers | Insurance Store | 1415 Elbridge Payne Rd Ste 230, Chesterfield, MO, 63017 | 36.6 | |
| Travelers | Scott Agency Inc | 604 E Veterans Memorial Pkwy, Warrenton, MO, 63383 | 3.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $790 | $1,540 | $750 |
| Warren County, MO | $166,100 | $1,057 | $750 | $1,490 | $740 |
| North Elkhorn, MO | $142,200 | $904 | $660 | $1,260 | $600 |
| Pinckney, MO | $256,300 | $1,338 | $900 | $1,910 | $1,010 |
| Roark, MO | $133,800 | $1,052 | $700 | $1,490 | $790 |
| Lincoln County, MO | $154,100 | $1,030 | $730 | $1,410 | $680 |
| Upper Loutre, MO | $70,600 | $833 | $570 | $1,180 | $610 |
| St. Charles, MO | $182,000 | $1,092 | $790 | $1,520 | $730 |
| Wildhorse, MO | $247,700 | $938 | $670 | $1,340 | $670 |
| Hardin, IL | $102,900 | $659 | $450 | $940 | $490 |
| Calverton Park, MO | $74,400 | $849 | $600 | $1,210 | $610 |
| Bluffdale, IL | $101,800 | $656 | $440 | $900 | $460 |