Gavop's guide to buying homeowners insurance in Lewis and Clark, 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.
| Lewis and Clark, 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 | |
| Bellair Dr, Exacta Ct, Triple Crown Dr, Keevenshore Dr, Trinity Ln, Martony Ln, Hurstland Ct, Hampden Pl, N Pointe Ln, Alandale Ct | $206,500 | $190,000 | $200,000-$250,000 | $180,500 | $160,000 | $200,000-$250,000 |
| Flight Dr, N Lafayette St, Foxtrot Dr, Tyson Dr, Rue de Renard, Hungerford Dr, Valley Brook Dr, Mill Creek Dr, Jamestown Bay Dr, Sunridge Ln | $201,500 | $170,000 | $175,000-$200,000 | $323,500 | $270,000 | $350,000-$400,000 |
| Branwen Ct, Jost Estates Dr, Redwing Dr, Sherwood Dr, Golden Pond Ct, Sherwood Ct, Chapel Ridge Dr, Palm Dr, Gladiola Ln, Almara Ct | $144,000 | $120,000 | $125,000-$150,000 | $222,500 | $200,000 | $175,000-$200,000 |
| Fireweed Ct, Kingsford Dr, Airshire Pl, Mercy Dr, Crane Dr, Doyne Dr, Fox Crossing Dr, Gulf Shore W, Vaile Ave, Sandy Hill Dr | $173,500 | $160,000 | $125,000-$150,000 | $304,500 | $260,000 | $350,000-$400,000 |
| Riverfront Dr, Albers Point Dr, Harting Dr, Bartlett Pear Dr, Margaret Ridge Dr, Shorewood Dr, Gold Cup Ct, Hopi Dr, Jamestown Bay Ct, Foxmont Dr | $155,500 | $140,000 | $150,000-$175,000 | $189,500 | $170,000 | $175,000-$200,000 |
| Charvel Dr, Cedar Knoll Ln, Fenmore Dr, Lanawood Ct, Crabapple Ln, la Crosse Dr, Kingsbrook Ln, Jackson Ln, Alder Ave, 92nd Ave | $118,500 | $110,000 | $100,000-$125,000 | $167,000 | $130,000 | $125,000-$150,000 |
| Espace Ct, Estes Dr, Coachman Ln, Plymouth Ct, Meadow Trails Dr, Scotty Dr, Paradise Cir, Riva Ridge Ct, Old Jamestown Ct, Central Pkwy | $158,000 | $150,000 | $175,000-$200,000 | $145,500 | $140,000 | $150,000-$175,000 |
| Lila Dr, Rue St Pierre, de Ville Dr, Addington Dr, Rue St Denis, Arpent Ln, Coach House Dr, Seeger Dr, Birkemeier Dr, Saint Charles St | $100,000 | $90,000 | $75,000-$100,000 | $119,500 | $110,000 | $100,000-$125,000 |
| Ford Ln, Mullanphy Ct, Greeley Dr, Rue Saint Catherine, Inlet Isle Dr, John Bell Dr, Leisure Dr, Boulder Dr, Bangor Dr, Cousteau Dr | $100,000 | $80,000 | $100,000-$125,000 | $206,000 | $180,000 | $175,000-$200,000 |
| Gillon Ct, Afshari Cir, Afshari Dr, Portique Ct, Red Clover Dr, Joseph Meadows Ct, Kinderling Ln, Frostview Ln, Chaparral Creek Dr, Old Jamestown Rd | $220,500 | $210,000 | $200,000-$250,000 | $234,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $698 |
| Superior Protection Discount | -$84 | $757 |
| Fire & Security Discount | -$67 | $774 |
| Hail Resistant Roof Discount | -$25 | $816 |
| Newly Constructed Home Discount | -$227 | $614 |
| 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. Louis County | $1,500 | $1,077 | $2,577 | $783 | $2,283 | $294 |
| Lewis and Clark, MO | $700 | $831 | $1,531 | $604 | $1,304 | $227 |
| Riverview, MO | $400 | $761 | $1,161 | $553 | $953 | $208 |
| Granite City, IL | $1,000 | $811 | $1,811 | $590 | $1,590 | $222 |
| Washington Park, IL | $500 | $423 | $923 | $307 | $807 | $116 |
| Canteen, IL | $2,500 | $825 | $3,325 | $600 | $3,100 | $226 |
| Belleville, IL | $200 | $610 | $810 | $443 | $643 | $167 |
| Western Mound, IL | $2,000 | $772 | $2,772 | $561 | $2,561 | $211 |
| Precinct, IL | $200 | $994 | $1,194 | $722 | $922 | $272 |
| North Palmyra, IL | $2,500 | $568 | $3,068 | $413 | $2,913 | $155 |
| Murrayville, IL | $200 | $569 | $769 | $414 | $614 | $156 |
| Home Insurance Company Lewis and Clark, MO | Homeowners Insurance Agency Lewis and Clark, MO | Address | Popularity Score | Distance from Lewis and Clark (miles) |
|---|---|---|---|---|
| Travelers | Midtown Insurance Group | 12166 Old Big Bend Ste 210, Kirkwood, MO, 63122 | 20.0 | |
| State Farm | Anthony Luster | 11706 W Florissant Ave, Florissant, MO, 63033-6743 | 5.0 | |
| Travelers | Norris Insurance Agency | 801 St Francois, Florissant, MO, 63031 | 3.7 | |
| Allstate | Deborah M. Johnson | 106 4 Seasonsshop Ctr Ste 105c, Chesterfield, MO, 63017 | 15.1 | |
| State Farm | Blake Blase | 8 Mullanphy Garden Shpg Ctr, Florissant, MO, 63031-3412 | 2.6 | |
| Travelers | Nieroda Insurance Agency | New Town 3225-I Domain Street, St Charles, MO, 63301 | 9.5 | |
| Liberty Mutual Independent | Sailor & Associates | 10371 West Florissant, St Louis, MO, 63136 | 6.4 | |
| Travelers | I Insure Lc | 3159 Fee Fee Rd Ste 222, Bridgeton, MO, 63044 | 9.7 | |
| State Farm | Max Mcgowan | 11520 Saint Charles Rock Road, Bridgeton, MO, 63044 | 8.5 | |
| State Farm | Eric Thomas | 2794a N Highway 67, Florissant, MO, 63033-1402 | 2.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,510 | $780 |
| St. Louis County, MO | $181,100 | $1,090 | $750 | $1,520 | $770 |
| Lewis and Clark, MO | $116,600 | $841 | $560 | $1,170 | $610 |
| Riverview, MO | $56,200 | $770 | $530 | $1,090 | $560 |
| Granite City, IL | $83,300 | $821 | $560 | $1,160 | $600 |
| Washington Park, IL | $46,400 | $428 | $290 | $600 | $310 |
| Canteen, IL | $56,800 | $835 | $570 | $1,190 | $620 |
| Belleville, IL | $96,000 | $617 | $420 | $850 | $430 |
| Western Mound, IL | $146,900 | $781 | $560 | $1,100 | $540 |
| Precinct, IL | $277,700 | $1,006 | $720 | $1,390 | $670 |
| North Palmyra, IL | $79,400 | $575 | $410 | $790 | $380 |
| Murrayville, IL | $79,700 | $576 | $410 | $810 | $400 |