Gavop's guide to buying homeowners insurance in Kelso, 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.
| Kelso, 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 | |
| 1st St E, N Kelso Loop, Cape St, Lake Rd, Shady Grv, Camelot Dr, Rachel St, Valley Ave, Perkins St, E Bland St | $119,500 | $100,000 | $125,000-$150,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Middlebranch, Lutheran Ln, 4th St W, Ann Ct, W Ash St, Co Rd 408, Tulip Ln, Co Rd 331, N Meyers Ave, State Hwy A | $96,500 | $90,000 | $75,000-$100,000 | $104,500 | $90,000 | $100,000-$125,000 |
| Grove Ave, E Olive St, Oak St, Co Rd 209, Hilleman Dr, Co Rd 344, Old Hwy 61, Co Rd 216, Co Rd 216, State Hwy A | $143,500 | $130,000 | $150,000-$175,000 | $102,500 | $90,000 | $100,000-$125,000 |
| Missouri St, 4th St E, Threaddill Ave, Broadway St, Cape Girardeau St, Flat Rd, 3rd St, Charles Ave, Lincoln, Co Rd 329 | $143,000 | $120,000 | $150,000-$175,000 | $108,000 | $90,000 | $100,000-$125,000 |
| Lightners Cemetery Rd, Kirkwood Ave, Tenny Mae Dr, Ervin Rd, Co Rd 346, Benjamin Dr, Co Rd 333, Mildred St, Pp Outer Rd, 3rd St W | $98,000 | $80,000 | $75,000-$100,000 | $84,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $714 |
| Superior Protection Discount | -$83 | $748 |
| Fire & Security Discount | -$58 | $773 |
| Hail Resistant Roof Discount | -$25 | $806 |
| Newly Constructed Home Discount | -$241 | $590 |
| 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 |
| Scott County | $700 | $908 | $1,608 | $660 | $1,360 | $248 |
| Kelso, MO | $2,000 | $821 | $2,821 | $596 | $2,596 | $224 |
| Delta, MO | $500 | $801 | $1,301 | $582 | $1,082 | $219 |
| Kinder, MO | $2,500 | $1,131 | $3,631 | $822 | $3,322 | $309 |
| Balcom, IL | $300 | $772 | $1,072 | $561 | $861 | $211 |
| Matthews, MO | $1,500 | $852 | $2,352 | $619 | $2,119 | $233 |
| Belknap, IL | $100 | $445 | $545 | $323 | $423 | $122 |
| Goreville No. 1, IL | $1,000 | $653 | $1,653 | $475 | $1,475 | $178 |
| Johnson County, IL | $400 | $586 | $986 | $426 | $826 | $160 |
| Grantsburg No. 1, IL | $2,000 | $671 | $2,671 | $488 | $2,488 | $183 |
| Twelvemile, MO | $300 | $1,042 | $1,342 | $757 | $1,057 | $285 |
| Ava, IL | $2,000 | $483 | $2,483 | $351 | $2,351 | $132 |
| Home Insurance Company Kelso, MO | Homeowners Insurance Agency Kelso, MO | Address | Popularity Score | Distance from Kelso (miles) |
|---|---|---|---|---|
| Farmers | Melissa Coots | 603 S Main St Ste C, Sikeston, MO, 63801 | 21.9 | |
| Farmers | Bard Womack | 1720 Kings Way Dr Unit 104, Cape Girardeau, MO, 63701 | 9.6 | |
| State Farm | Greg Comer | 225 S Main St, Sikeston, MO, 63801-3033 | 21.7 | |
| Farmers | Valerie Michelsen | 2135 William St, Cape Girardeau, MO, 63703 | 7.7 | |
| Farmers | Troy Shearrer | 406 N Douglass St, Malden, MO, 63863 | 48.9 | |
| Liberty Mutual Independent | W E Walker - Lakenan Llc | 117 South Broadview Cape Girardeau, Cape Girardeau, MO, 63703 | 7.8 | |
| Liberty Mutual Independent | W E Walker - Lakenan Llc | 117 S Broadview St, Cape Girardeau, MO, 63703 | 7.8 | |
| Farmers | Jerry Grubbs | 205 N One Mile Rd, Dexter, MO, 63841 | 35.5 | |
| Allstate | Kathy Darby | 1301 N Kingshighway St Ste B, Cape Girardeau, MO, 63701 | 9.2 | |
| State Farm | Joe Hennemann | 412 Tanner St, Sikeston, MO, 63801-4273 | 21.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $790 | $1,490 | $700 |
| Scott County, MO | $103,300 | $919 | $650 | $1,300 | $650 |
| Kelso, MO | $112,800 | $831 | $560 | $1,170 | $610 |
| Delta, MO | $65,300 | $811 | $580 | $1,160 | $580 |
| Kinder, MO | $169,500 | $1,145 | $790 | $1,610 | $820 |
| Balcom, IL | $146,800 | $781 | $540 | $1,070 | $530 |
| Matthews, MO | $77,500 | $862 | $590 | $1,190 | $600 |
| Belknap, IL | $50,700 | $450 | $310 | $620 | $310 |
| Goreville No. 1, IL | $103,400 | $661 | $480 | $940 | $460 |
| Johnson County, IL | $96,600 | $593 | $410 | $820 | $410 |
| Grantsburg No. 1, IL | $108,900 | $679 | $460 | $940 | $480 |
| Twelvemile, MO | $134,800 | $1,055 | $770 | $1,450 | $680 |
| Ava, IL | $59,200 | $489 | $330 | $690 | $360 |