Gavop's guide to buying homeowners insurance in Madison 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.
| Madison County, MO - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Co Rd 220, Madison 415, Jennifer St, Madison 239, Madison 333, W Marvin St, Co Rd 521, State Hwy Mm, Madison 203, Madison 259 | $101,000 | $80,000 | $100,000-$125,000 | $92,000 | $90,000 | $100,000-$125,000 |
| Co Rd 328, Madison 435, E College Ave, Spruce St, Madison 9290, Madison 229, State Hwy Nn, Madison 218, Co Rd 540, US Hwy 67 | $95,000 | $80,000 | $75,000-$100,000 | $127,500 | $110,000 | $150,000-$175,000 |
| Harding St, Madison 9293, Madison 241, Copper Mines Rd, Co Rd 9510, Madison 402, Trace Creek Rd, Co Rd 524, Madison 237, Maple St | $51,000 | $40,000 | $25,000-$50,000 | $116,000 | $90,000 | $100,000-$125,000 |
| Madison 92100, Westside Dr, Madison 517, Co Rd 201, Madison 525, State Hwy 72, Dogwood Ct, Co Rd 224, Madison 9265, Co Rd 506 | $105,500 | $90,000 | $100,000-$125,000 | $134,000 | $110,000 | $100,000-$125,000 |
| Madison 9289, US Hwy 67 Bus, Buel St, Co Rd 416, Co Rd 402, Madison 423, Loughborough St, Madison 300, Co Rd 450, Martha St | $89,000 | $70,000 | $75,000-$100,000 | $114,500 | $100,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$64 | $730 |
| Home and Two Car | -$135 | $659 |
| Home and Three Car | -$191 | $603 |
| 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 |
| Madison County | $2,000 | $784 | $2,784 | $570 | $2,570 | $214 |
| Madison County, MO | $2,500 | $784 | $3,284 | $570 | $3,070 | $214 |
| Pilot Knob, MO | $500 | $866 | $1,366 | $630 | $1,130 | $237 |
| St. Marys, MO | $1,500 | $1,122 | $2,622 | $816 | $2,316 | $307 |
| Lorance, MO | $400 | $896 | $1,296 | $651 | $1,051 | $245 |
| Grayhawk, MO | $2,500 | $887 | $3,387 | $645 | $3,145 | $242 |
| Terre du Lac, MO | $400 | $1,064 | $1,464 | $773 | $1,173 | $291 |
| Mill Spring, MO | $2,000 | $741 | $2,741 | $539 | $2,539 | $203 |
| Welch, MO | $400 | $887 | $1,287 | $645 | $1,045 | $242 |
| Dent, MO | $200 | $835 | $1,035 | $607 | $807 | $228 |
| Carter County, MO | $2,500 | $757 | $3,257 | $550 | $3,050 | $207 |
| Home Insurance Company Madison County, MO | Homeowners Insurance Agency Madison County, MO | Address | Popularity Score | Distance from Madison County (miles) |
|---|---|---|---|---|
| Farmers | Marissa Van Gennip | 19806 State Highway C, Advance, MO, 63730 | 34.9 | |
| State Farm | Amanda Shipman | 102 W Russell St, Ironton, MO, 63650-1313 | 17.7 | |
| Allstate | Karen Sanderson | 1720 Kanell Blvd Ste 4, Poplar Bluff, MO, 63901 | 49.1 | |
| Allstate | The Chase Agency | 10193 W State Hwy E Ste A, Potosi, MO, 63664 | 39.9 | |
| Farmers | Mindi Montgomery | 120 E College Ave, Fredericktown, MO, 63645 | 6.5 | |
| Farmers | Valerie Michelsen | 2135 William St, Cape Girardeau, MO, 63703 | 45.3 | |
| Liberty Mutual Independent | W E Walker - Lakenan Llc | 117 S Broadview St, Cape Girardeau, MO, 63703 | 44.9 | |
| State Farm | Louie Lucas | 712 E Main St Ste A, Park Hills, MO, 63601-2733 | 27.0 | |
| State Farm | Larry Merrill | 201 W Main St, Fredericktown, MO, 63645-1127 | 6.6 | |
| Farmers | Brent Wills | 610 W Main St, Jackson, MO, 63755 | 37.4 |
| 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 | $1,530 | $750 |
| Madison County, MO | $99,800 | $794 | $530 | $1,100 | $570 |
| Madison County, MO | $99,800 | $794 | $540 | $1,140 | $600 |
| Pilot Knob, MO | $81,300 | $877 | $630 | $1,250 | $620 |
| St. Marys, MO | $165,700 | $1,136 | $820 | $1,580 | $760 |
| Lorance, MO | $89,300 | $907 | $630 | $1,260 | $630 |
| Grayhawk, MO | $86,900 | $898 | $650 | $1,280 | $630 |
| Terre du Lac, MO | $142,600 | $1,077 | $720 | $1,540 | $820 |
| Mill Spring, MO | $52,000 | $750 | $500 | $1,070 | $570 |
| Welch, MO | $86,900 | $898 | $650 | $1,240 | $590 |
| Dent, MO | $73,400 | $845 | $580 | $1,170 | $590 |
| Carter County, MO | $90,400 | $766 | $510 | $1,100 | $590 |