Gavop's guide to buying homeowners insurance in Odessa, 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $104,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $137,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $252,000 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $329,000 | $270,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$68 | $787 |
| Home and Two Car | -$137 | $719 |
| Home and Three Car | -$214 | $642 |
| 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 |
| Lafayette County | $2,000 | $967 | $2,967 | $702 | $2,702 | $264 |
| Odessa, MO | $2,500 | $846 | $3,346 | $615 | $3,115 | $231 |
| Sibley, MO | $200 | $915 | $1,115 | $665 | $865 | $250 |
| Kansas City, MO | $700 | $1,056 | $1,756 | $768 | $1,468 | $289 |
| Bogard, MO | $400 | $942 | $1,342 | $684 | $1,084 | $257 |
| Kaw, MO | $1,000 | $917 | $1,917 | $666 | $1,666 | $251 |
| Fields Creek, MO | $2,000 | $1,072 | $3,072 | $779 | $2,779 | $293 |
| Longwood, MO | $100 | $1,093 | $1,193 | $794 | $894 | $299 |
| Van Horn, MO | $2,500 | $810 | $3,310 | $589 | $3,089 | $221 |
| Olathe, KS | $100 | $1,441 | $1,541 | $1,047 | $1,147 | $394 |
| West Boone, MO | $1,000 | $1,086 | $2,086 | $789 | $1,789 | $297 |
| Home Insurance Company Odessa, MO | Homeowners Insurance Agency Odessa, MO | Address | Popularity Score | Distance from Odessa (miles) |
|---|---|---|---|---|
| Farmers | Paul Dykes | 1404 S Broadway Ste E, Oak Grove, MO, 64075 | 8.8 | |
| State Farm | Nick Mortallaro | 401 Sw Eagles Pkwy, Grain Valley, MO, 64029-8519 | 12.8 | |
| Travelers | Epic Insurance | 4045 Ne Lakewood Way Ste 100, Lees Summit, MO, 64064 | 21.0 | |
| Travelers | Associated Services In Insurance | 1438 Minter Way, Grain Valley, MO, 64029 | 14.0 | |
| Allstate | Don Graves | 710 W Main St Ste I, Blue Springs, MO, 64015 | 16.6 | |
| State Farm | Allen Jones | 8900 Wornall Road, Kansas City, MO, 64114-3605 | 33.9 | |
| Farmers | Micheal Clark | 368 W Arrow St Ste 101, Marshall, MO, 65340 | 42.0 | |
| State Farm | Liam Porter | 1207 W 47th St, Kansas City, MO, 64112-1203 | 34.3 | |
| State Farm | Clint Osborn | 1208 Sw Us Highway 40, Blue Springs, MO, 64015-4612 | 16.9 | |
| Allstate | Jarrett Devereaux | 1587 Ne Rice Rd, Lees Summit, MO, 64086 | 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 | $730 | $1,500 | $770 |
| Lafayette County, MO | $122,600 | $978 | $670 | $1,350 | $680 |
| Odessa, MO | $122,400 | $856 | $610 | $1,180 | $570 |
| Sibley, MO | $94,300 | $926 | $640 | $1,290 | $650 |
| Kansas City, MO | $139,900 | $1,069 | $780 | $1,490 | $710 |
| Bogard, MO | $102,100 | $953 | $640 | $1,320 | $680 |
| Kaw, MO | $153,400 | $928 | $620 | $1,280 | $660 |
| Fields Creek, MO | $145,800 | $1,085 | $790 | $1,500 | $710 |
| Longwood, MO | $153,600 | $1,106 | $790 | $1,520 | $730 |
| Van Horn, MO | $67,500 | $820 | $600 | $1,130 | $530 |
| Olathe, KS | $211,600 | $1,459 | $1,140 | $1,970 | $830 |
| West Boone, MO | $151,100 | $1,099 | $750 | $1,520 | $770 |