How Can I Make My St. Charles, MO Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in St. Charles, MO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your St. Charles, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $61,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $114,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $114,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $213,000 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $282,000 | $250,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in St. Charles, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$207 | $884 |
| Superior Protection Discount | -$98 | $994 |
| Fire & Security Discount | -$87 | $1,004 |
| Hail Resistant Roof Discount | -$22 | $1,070 |
| Newly Constructed Home Discount | -$251 | $841 |
Choose the Right Deductible for your St. Charles, MO Home | Back to Top
| 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 |
| St. Charles, MO | $2,500 | $1,079 | $3,579 | $784 | $3,284 | $295 |
| Overland, MO | $100 | $750 | $850 | $545 | $645 | $205 |
| Hillsdale, MO | $1,500 | $744 | $2,244 | $541 | $2,041 | $203 |
| Brentwood, MO | $300 | $874 | $1,174 | $635 | $935 | $239 |
| Lakeshire, MO | $2,000 | $1,223 | $3,223 | $889 | $2,889 | $334 |
| Gilead, IL | $100 | $867 | $967 | $630 | $730 | $237 |
| Horine, MO | $1,000 | $910 | $1,910 | $661 | $1,661 | $249 |
| De Soto, MO | $200 | $794 | $994 | $577 | $777 | $217 |
| New Douglas, IL | $700 | $653 | $1,353 | $475 | $1,175 | $178 |
| Patterson, IL | $400 | $507 | $907 | $368 | $768 | $139 |
| Sugar Creek, IL | $700 | $681 | $1,381 | $495 | $1,195 | $186 |
Identify Top Home Insurance Agents near St. Charles, MO | Back to Top
| Home Insurance Company St. Charles, MO | Homeowners Insurance Agency St. Charles, MO | Address | Popularity Score | Distance from St. Charles (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Midwest Agency | 8917 Veterans Memorial Pkwy O Fallon, O'Fallon, MO, 63366 | 10.4 | |
| State Farm | Michael Hebert | 3026 Mid Rivers Mall Dr, Saint Peters, MO, 63376-2164 | 6.1 | |
| State Farm | Mike Klaus | 402 S 2nd St, De Soto, MO, 63020-2007 | 45.5 | |
| Farmers | David D Brown | 17014 New College Ave Ste 204a, Wildwood, MO, 63040 | 16.8 | |
| State Farm | Julie Meyers | 8634 Veterans Memorial Pkwy, Ofallon, MO, 63366 | 9.8 | |
| State Farm | Leianna Moore | 711 Old Ballas Rd Ste 200, Creve Coeur, MO, 63141-7069 | 9.7 | |
| Liberty Mutual Independent | Iroquois Midwest Inc | 223 Salt Lick Rd Ste 260, Saint Peters, MO, 63376 | 7.5 | |
| Farmers | Ronald Snavely | 2480 Executive Dr Ste 111, Saint Charles, MO, 63303 | 3.2 | |
| State Farm | Jeff Schlattman | 14226 Ladue Road, Chesterfield, MO, 63017-3300 | 9.1 | |
| Allstate | Matt Stark | 8229 Clayton Rd Ste 200, Saint Louis, MO, 63117 | 14.1 |
Compare Rates for St. Charles, MO Home Insurance Providers | Back to Top
| 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 |
| St. Charles County, MO | $198,500 | $1,126 | $820 | $1,600 | $780 |
| St. Charles, MO | $182,000 | $1,092 | $780 | $1,520 | $740 |
| Overland, MO | $88,400 | $759 | $510 | $1,050 | $540 |
| Hillsdale, MO | $52,500 | $753 | $530 | $1,040 | $510 |
| Brentwood, MO | $213,300 | $884 | $590 | $1,230 | $640 |
| Lakeshire, MO | $210,800 | $1,238 | $900 | $1,750 | $850 |
| Gilead, IL | $195,500 | $878 | $610 | $1,240 | $630 |
| Horine, MO | $92,900 | $921 | $640 | $1,280 | $640 |
| De Soto, MO | $103,300 | $804 | $590 | $1,140 | $550 |
| New Douglas, IL | $103,500 | $661 | $450 | $910 | $460 |
| Patterson, IL | $64,400 | $513 | $360 | $730 | $370 |
| Sugar Creek, IL | $164,400 | $689 | $500 | $950 | $450 |
Research Home Insurance Companies Reviews in St. Charles, MO Before Buying | Back to Top
Share a review on your home insurance company
Shelter Home Insurance Reviews
Date: December 31, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
I am very pleased with my insurance company's policy offerings. I have checked out premiums with another local service agent. My current insurance premium was lower for the similar policy type.
Date: September 23, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I have had other policies. This one fits my needs and price point well. I don't think I would change.
Date: June 14, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Premium
I don't know much about my premium and how it works. I know I have a high deductible. i rated a 4 because I haven't went over the policy in a long time.
State Farm Home Insurance Reviews
Date: October 24, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
The coverage was the same as what other companies offered. The premium however was much lower, some of the major home owners insurance companies where asking for about 1-3 thousand more in premium
Date: July 16, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
My home insurance company State Farm having affordable and reasonable claim rates when compared to other home insurance providers.
Date: February 07, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
The customer service agents have always been extremely helpful in getting me the best price possible for insurance and asking questions to insure all my insurance needs are met. I feel respected and appreciate their genuine attitude.
Progressive Home Insurance Reviews
Date: March 27, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried
Policy Offerings
My insurance company bundles my car and home insurance. I'm sure that other companies do the same, but the insurance was easy to procure, without too much hassle.
Date: December 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
their offerings are very fair. whats even better is that they do all sorts of insurance, so i have car, motorcycle and home insurance and they are able to give me a good price by bundling them all together.
Liberty Mutual Home Insurance Reviews
Date: September 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
We've only recently moved into our home six months ago so I really haven't had any experience with the customer service. I originally started with LM for car insurance and they were always helpful and pleasant to deal with.
Esurance Home Insurance Reviews
Date: October 16, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The reason I choose Esurance is because they seem to offer a lot of options and coverage for an affordable price compared to their competition in my area.
Lenox Mutual Insurance Home Insurance Reviews
Date: October 21, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
Communication and interaction is good and very welcoming in my opinion.
American Strategic Insurance Home Insurance Reviews
Date: November 16, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
THEIR CUSTOMER SERVICE DEPARTMENT WAS REALLY GREAT WHEN I HAD A ISSUE WITH MY ROOF. THEY GOT A CLAIM AND A AGENT CAME OUT WITHIN 48 HOURS. THEY LOOKED TO SEE WHAT CAUSED THE LEAK AND LET ME KNOW. I WAS TOLD MY OPTIONS. RATE THE A 5.