Gavop's guide to buying homeowners insurance in Boone, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $70,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $123,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $244,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $368,500 | $350,000 | $400,000-$500,000 |
| 5 Bedroom | $230,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $801 |
| Superior Protection Discount | -$85 | $857 |
| Fire & Security Discount | -$75 | $867 |
| Hail Resistant Roof Discount | -$28 | $914 |
| Newly Constructed Home Discount | -$273 | $669 |
| 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 |
| St. Charles County | $700 | $1,113 | $1,813 | $809 | $1,509 | $304 |
| Boone, MO | $2,500 | $931 | $3,431 | $676 | $3,176 | $254 |
| LaBarque Creek, MO | $200 | $1,468 | $1,668 | $1,067 | $1,267 | $401 |
| Ladue, MO | $2,000 | $785 | $2,785 | $571 | $2,571 | $215 |
| Brentwood, MO | $300 | $874 | $1,174 | $635 | $935 | $239 |
| Uplands Park, MO | $1,500 | $817 | $2,317 | $594 | $2,094 | $223 |
| Roark, MO | $200 | $1,039 | $1,239 | $755 | $955 | $284 |
| East Carondelet, IL | $1,500 | $425 | $1,925 | $309 | $1,809 | $116 |
| Hamburg, IL | $500 | $603 | $1,103 | $438 | $938 | $165 |
| Woodville, IL | $2,500 | $780 | $3,280 | $567 | $3,067 | $213 |
| Maryville, IL | $300 | $728 | $1,028 | $529 | $829 | $199 |
| Nine Mile Prairie, MO | $700 | $834 | $1,534 | $606 | $1,306 | $228 |
| Home Insurance Company Boone, MO | Homeowners Insurance Agency Boone, MO | Address | Popularity Score | Distance from Boone (miles) |
|---|---|---|---|---|
| State Farm | Ben Rister | 14145 Clayton Rd, Chesterfield, MO, 63017-8355 | 17.6 | |
| Farmers | Jonathan Clark | 8065 Mexico Rd Ste 200, Saint Peters, MO, 63376 | 12.7 | |
| State Farm | Greg Rollins | 17 Stonegate Shopping Ctr, Manchester, MO, 63088-1215 | 19.6 | |
| State Farm | Howard Palmer Sr | 645 Jungermann Rd, Saint Peters, MO, 63376-2700 | 16.2 | |
| Liberty Mutual Independent | Heartland Insurance | 2451 Executive Dr Suite 200 St Charles, St. Charles, MO, 63303 | 17.1 | |
| Farmers | Kendall Lading | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 14.9 | |
| Allstate | Wallace Neal | 15406 Manchester Rd, Ellisville, MO, 63011 | 15.6 | |
| State Farm | Steve Oien | 4131 Mexico Rd, Saint Peters, MO, 63376-6410 | 16.9 | |
| Liberty Mutual Independent | The Warren Group | 14567 N Outer 40 Rd Ste 125, Chesterfield, MO, 63017 | 16.3 | |
| State Farm | Tom Grate | 2113 Bentley Plz, Fenton, MO, 63026-2124 | 20.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,540 | $790 |
| St. Charles County, MO | $198,500 | $1,126 | $810 | $1,570 | $760 |
| Boone, MO | $250,200 | $942 | $630 | $1,290 | $660 |
| LaBarque Creek, MO | $313,200 | $1,486 | $1,080 | $2,070 | $990 |
| Ladue, MO | $798,500 | $795 | $530 | $1,100 | $570 |
| Brentwood, MO | $213,300 | $884 | $650 | $1,230 | $580 |
| Uplands Park, MO | $69,200 | $827 | $570 | $1,140 | $570 |
| Roark, MO | $133,800 | $1,052 | $700 | $1,480 | $780 |
| East Carondelet, IL | $46,700 | $430 | $310 | $610 | $300 |
| Hamburg, IL | $88,700 | $610 | $450 | $840 | $390 |
| Woodville, IL | $150,000 | $789 | $560 | $1,100 | $540 |
| Maryville, IL | $194,900 | $737 | $520 | $1,010 | $490 |
| Nine Mile Prairie, MO | $73,200 | $844 | $580 | $1,170 | $590 |