Gavop's guide to buying homeowners insurance in O'Fallon, 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.
| O'Fallon, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hoff Rd, Royallsprings Pkwy, Mount McKinley Dr, el Caballo Dr, S Joyce Ellen Way, Brockwell Ct, Hidden Deer Dr, Winter Meadows Dr, Trading Post Ln, Wood Forest Ct | $176,500 | $150,000 | $175,000-$200,000 | $263,000 | $240,000 | $300,000-$350,000 |
| Irish Hound Dr, Royallvalley Way, Stoneybrook Ln, Brookfield Ln, Legacy Ct, Town Cryer Ct, O Fallon Ave, Stealey Rd, Dellwood Ct, Oakway Dr | $162,500 | $150,000 | $175,000-$200,000 | $340,500 | $310,000 | $400,000-$500,000 |
| Americana Place Ct, Osage Meadows Dr, Spanish Trl, State Hwy Dd, Shetland Ct, Amber Crest Dr, Quiver Dr, Lake Hollow Dr, Airport-Crittenden Ln, Walnut Meadow Ct | $257,500 | $210,000 | $250,000-$300,000 | $403,500 | $380,000 | $300,000-$350,000 |
| Birdie Hills Rd, Royal Oaks Dr, Foxbury Dr, Brook Valley Ct, Macinnis Ct, Nash Dr, Dusty Brook Dr, Brushy Brook Dr, S Wellington, Sandy Creek Dr | $178,000 | $160,000 | $175,000-$200,000 | $297,000 | $270,000 | $300,000-$350,000 |
| Warm Winds Dr, Strathmoor Way, Fox Wood Dr, Parkview Dr, N Svc Rd, Gutermuth Rd, Wyndview Dr, Plackemeier Dr, Tanyard Ct, Sanborn Valley Ct | $155,500 | $130,000 | $125,000-$150,000 | $319,500 | $270,000 | $250,000-$300,000 |
| Orf Ave, Sunshine Brook Dr, Ardsley Dr, Swan Lake Dr, Southwinds Dr, Elm Point Industrial Dr, Arnold Ave, Tyler Ridge Dr, Saddlebrook Dr, Gilmore Ln | $123,500 | $120,000 | $125,000-$150,000 | $221,000 | $180,000 | $200,000-$250,000 |
| Barvarian Way, Judah Dr, Roland Ln, Timber Oaks Trl, Tradewinds Dr, Black Horse Dr, Mariae Ln, Flint Brook Dr, Pepper Tree Ct, Falling Leaf Dr | $213,000 | $190,000 | $200,000-$250,000 | $207,000 | $190,000 | $150,000-$175,000 |
| Cattail Dr, Briarcommons Dr, Bristol Pl, Morrison Ln, Bluff Brook Ct, Rosedale Dr, Landing Place Dr, Virgil Ave, Black Oak Ct, Whispering Windsong Dr | $141,500 | $120,000 | $150,000-$175,000 | $188,000 | $150,000 | $200,000-$250,000 |
| Country Woods Ct, Flowering Magnolia Dr, E Crestview Dr, Pembrook Dr, Deer Creek Dr, Piepers Glen Ln, Pebble Brook Dr, Douglas Dr W, Belgian Trl, W Elm St | $249,500 | $200,000 | $175,000-$200,000 | $374,500 | $340,000 | $300,000-$350,000 |
| Charlotte Pl, Brewster Ct, Willow Park Ct, Waterford Xing, Kipling Way, Creek Pass Dr, English Oak Dr, la Salle Dr, Sitting Bull Dr, McGregor Cir | $203,500 | $190,000 | $150,000-$175,000 | $207,000 | $190,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$70 | $805 |
| Home and Two Car | -$149 | $726 |
| Home and Three Car | -$201 | $674 |
| 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 | $1,000 | $1,113 | $2,113 | $809 | $1,809 | $304 |
| O'Fallon, MO | $1,000 | $865 | $1,865 | $628 | $1,628 | $236 |
| Midland, MO | $100 | $749 | $849 | $545 | $645 | $205 |
| Ladue, MO | $700 | $785 | $1,485 | $571 | $1,271 | $215 |
| Bonhomme, MO | $400 | $962 | $1,362 | $699 | $1,099 | $263 |
| Murphy, MO | $700 | $852 | $1,552 | $619 | $1,319 | $233 |
| Grantwood Village, MO | $400 | $1,624 | $2,024 | $1,180 | $1,580 | $444 |
| Dupo, IL | $1,500 | $586 | $2,086 | $426 | $1,926 | $160 |
| Piasa, IL | $500 | $810 | $1,310 | $589 | $1,089 | $221 |
| High Hill, MO | $1,000 | $852 | $1,852 | $619 | $1,619 | $233 |
| Pevely, MO | $400 | $851 | $1,251 | $619 | $1,019 | $233 |
| Nebo, IL | $1,000 | $382 | $1,382 | $278 | $1,278 | $104 |
| Home Insurance Company O'Fallon, MO | Homeowners Insurance Agency O'Fallon, MO | Address | Popularity Score | Distance from O'Fallon (miles) |
|---|---|---|---|---|
| State Farm | Sandy Kessler | 1293 Bryan Rd, O Fallon, MO, 63366-3729 | 1.2 | |
| Farmers | Kendall Lading | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 7.2 | |
| State Farm | Sandy Kessler | 17539 Chesterfield Airport Rd, Chesterfield, MO, 63005-1301 | 9.6 | |
| Travelers | Ahl Insurance Agency | 1480 Woodstone Dr 1480 Woodstone Dr Saint Charles, St Charles, MO, 63304 | 7.6 | |
| Liberty Mutual Independent | Weiss Insurance Agency | 683 Trade Center Blvd Ste 100, Chesterfield, MO, 63005 | 9.4 | |
| State Farm | Dave Drissell | 105 Chstrfld Bus Pkwy, Chesterfield, MO, 63005-1233 | 9.5 | |
| State Farm | Tom Wootten | 5047 Hwy N, St. Charles, MO, 63304 | 4.9 | |
| State Farm | Mark Tipton | 1120 Wolfrum Rd Ste 101, Weldon Spring, MO, 63304-7958 | 5.3 | |
| State Farm | Mark Stellern | 1600 Heritage Lndg Ste 204, Saint Peters, MO, 63303-8488 | 9.2 | |
| Travelers | Lang Insurance Service | 3920 S Old Hwy 94 Ste 39, St Charles, MO, 63304 | 7.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,530 | $780 |
| St. Charles County, MO | $198,500 | $1,126 | $820 | $1,550 | $730 |
| O'Fallon, MO | $207,700 | $875 | $640 | $1,230 | $590 |
| Midland, MO | $88,000 | $759 | $550 | $1,070 | $520 |
| Ladue, MO | $798,500 | $795 | $580 | $1,120 | $540 |
| Bonhomme, MO | $269,500 | $973 | $710 | $1,390 | $680 |
| Murphy, MO | $125,000 | $863 | $600 | $1,220 | $620 |
| Grantwood Village, MO | $359,000 | $1,644 | $1,170 | $2,290 | $1,120 |
| Dupo, IL | $84,200 | $593 | $430 | $840 | $410 |
| Piasa, IL | $164,500 | $820 | $570 | $1,160 | $590 |
| High Hill, MO | $77,500 | $862 | $590 | $1,230 | $640 |
| Pevely, MO | $124,800 | $862 | $590 | $1,180 | $590 |
| Nebo, IL | $38,400 | $387 | $260 | $530 | $270 |