Gavop's guide to buying homeowners insurance in Ray 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$183 | $690 |
| 30 year old | +$13 | $887 |
| 40 year old | +$23 | $896 |
| 50 year old | +$33 | $907 |
| Above 50 year old | +$42 | $916 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$166 | $708 |
| Superior Protection Discount | -$87 | $786 |
| Fire & Security Discount | -$61 | $812 |
| Hail Resistant Roof Discount | -$26 | $847 |
| Newly Constructed Home Discount | -$236 | $638 |
| 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 |
| Ray County | $1,000 | $863 | $1,863 | $627 | $1,627 | $236 |
| Ray County, MO | $2,500 | $863 | $3,363 | $627 | $3,127 | $236 |
| Norborne, MO | $400 | $765 | $1,165 | $556 | $956 | $209 |
| Hamilton, MO | $700 | $927 | $1,627 | $673 | $1,373 | $253 |
| Hazel Hill, MO | $100 | $1,049 | $1,149 | $763 | $863 | $287 |
| Trimble, MO | $1,000 | $1,048 | $2,048 | $762 | $1,762 | $286 |
| Tina, MO | $200 | $840 | $1,040 | $610 | $810 | $230 |
| Edgerton, MO | $2,000 | $967 | $2,967 | $703 | $2,703 | $264 |
| Livingston County, MO | $500 | $802 | $1,302 | $583 | $1,083 | $219 |
| Tremont, MO | $700 | $1,342 | $2,042 | $975 | $1,675 | $367 |
| Rose Hill, MO | $400 | $1,103 | $1,503 | $801 | $1,201 | $301 |
| Harrisonville, MO | $700 | $871 | $1,571 | $633 | $1,333 | $238 |
| Home Insurance Company Ray County, MO | Homeowners Insurance Agency Ray County, MO | Address | Popularity Score | Distance from Ray County (miles) |
|---|---|---|---|---|
| State Farm | Chad Mitchell | 3600 S Noland Rd Suite A, Independence, MO, 64055-1569 | 28.5 | |
| State Farm | David Krough | 600 W 103rd St Ste 206, Kansas City, MO, 64114-4524 | 41.1 | |
| State Farm | Matt Kelly | 888 Haines Drive, Liberty, MO, 64068-1008 | 24.7 | |
| Allstate | Don Graves | 710 W Main St Ste I, Blue Springs, MO, 64015 | 25.0 | |
| Farmers | John Banks | 1400 Sw Eagles Pkwy, Grain Valley, MO, 64029 | 24.1 | |
| Allstate | George M. Devereaux | 11902 Blue Ridge Ext Ste Q, Grandview, MO, 64030 | 39.7 | |
| State Farm | Allen Jones | 8900 Wornall Road, Kansas City, MO, 64114-3605 | 39.9 | |
| State Farm | Brady Crawford | 8080 Ward Pkwy Ste 100, Kansas City, MO, 64114-2041 | 39.8 | |
| Travelers | Jenkins & James Insurance Agency Inc | 5814 N Oak Trafficway, Gladstone, MO, 64118 | 32.0 | |
| Farmers | Brad Newcomer | 2 Victory Dr Ste 220, Liberty, MO, 64068 | 24.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $780 | $1,510 | $730 |
| Ray County, MO | $129,700 | $874 | $640 | $1,230 | $590 |
| Ray County, MO | $129,700 | $874 | $590 | $1,230 | $640 |
| Norborne, MO | $57,100 | $774 | $550 | $1,060 | $510 |
| Hamilton, MO | $97,700 | $938 | $680 | $1,290 | $610 |
| Hazel Hill, MO | $137,400 | $1,062 | $750 | $1,500 | $750 |
| Trimble, MO | $137,100 | $1,061 | $720 | $1,450 | $730 |
| Tina, MO | $74,600 | $850 | $620 | $1,200 | $580 |
| Edgerton, MO | $109,700 | $979 | $700 | $1,380 | $680 |
| Livingston County, MO | $106,000 | $811 | $550 | $1,130 | $580 |
| Tremont, MO | $264,600 | $1,358 | $990 | $1,940 | $950 |
| Rose Hill, MO | $157,600 | $1,116 | $770 | $1,600 | $830 |
| Harrisonville, MO | $132,700 | $881 | $630 | $1,210 | $580 |