Gavop's guide to buying homeowners insurance in Calvey, 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 | $56,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $80,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $179,500 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $143,000 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $286,500 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $763 |
| Superior Protection Discount | -$81 | $816 |
| Fire & Security Discount | -$90 | $807 |
| Hail Resistant Roof Discount | -$18 | $879 |
| Newly Constructed Home Discount | -$251 | $646 |
| 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 |
| Franklin County | $1,500 | $1,024 | $2,524 | $744 | $2,244 | $280 |
| Calvey, MO | $2,000 | $886 | $2,886 | $644 | $2,644 | $242 |
| Defiance, MO | $500 | $1,355 | $1,855 | $984 | $1,484 | $370 |
| De Soto, MO | $2,500 | $794 | $3,294 | $577 | $3,077 | $217 |
| Maplewood, MO | $200 | $800 | $1,000 | $581 | $781 | $219 |
| South Elkhorn, MO | $700 | $857 | $1,557 | $623 | $1,323 | $234 |
| Berkeley, MO | $200 | $667 | $867 | $485 | $685 | $182 |
| Clark, MO | $1,000 | $807 | $1,807 | $587 | $1,587 | $221 |
| Moscow Mills, MO | $200 | $786 | $986 | $572 | $772 | $215 |
| Lewis and Clark, MO | $700 | $831 | $1,531 | $604 | $1,304 | $227 |
| Ruma, IL | $400 | $864 | $1,264 | $628 | $1,028 | $236 |
| Chouteau, IL | $700 | $825 | $1,525 | $600 | $1,300 | $226 |
| Home Insurance Company Calvey, MO | Homeowners Insurance Agency Calvey, MO | Address | Popularity Score | Distance from Calvey (miles) |
|---|---|---|---|---|
| State Farm | Lesleh Sprecker | 235 Creekside Office Drive, Wentzville, MO, 63385-5813 | 31.5 | |
| Farmers | Craig Berry | 15332 Manchester Rd Ste 211, Ballwin, MO, 63011 | 19.7 | |
| State Farm | Troy Pieper | 16168 Westwood Bus Park Dr, Ellisville, MO, 63021-4500 | 18.5 | |
| State Farm | Brian Smith | 309 E Osage St, Pacific, MO, 63069-1623 | 8.1 | |
| Liberty Mutual Independent | Clayton Duff | 430 Main St, Troy, MO, 63379 | 42.9 | |
| State Farm | Steve Oien | 4131 Mexico Rd, Saint Peters, MO, 63376-6410 | 31.1 | |
| State Farm | Dan Stegmann | 317 Clarkson Rd Ste 103, Ellisville, MO, 63011-2271 | 19.4 | |
| Travelers | Lang Insurance Service | 3920 S Old Hwy 94 Ste 39, St Charles, MO, 63304 | 27.7 | |
| State Farm | Tom Grate | 2113 Bentley Plz, Fenton, MO, 63026-2124 | 19.6 | |
| State Farm | Margaret Eidson | 15334 Manchester Rd, Ellisville, MO, 63011-3027 | 19.6 |
| 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 | $1,510 | $720 |
| Franklin County, MO | $156,800 | $1,036 | $760 | $1,430 | $670 |
| Calvey, MO | $139,400 | $897 | $620 | $1,250 | $630 |
| Defiance, MO | $270,000 | $1,371 | $1,000 | $1,960 | $960 |
| De Soto, MO | $103,300 | $804 | $550 | $1,130 | $580 |
| Maplewood, MO | $167,200 | $810 | $540 | $1,120 | $580 |
| South Elkhorn, MO | $127,100 | $868 | $600 | $1,190 | $590 |
| Berkeley, MO | $63,700 | $675 | $480 | $950 | $470 |
| Clark, MO | $171,000 | $817 | $560 | $1,170 | $610 |
| Moscow Mills, MO | $62,000 | $796 | $540 | $1,090 | $550 |
| Lewis and Clark, MO | $116,600 | $841 | $600 | $1,170 | $570 |
| Ruma, IL | $193,300 | $874 | $620 | $1,250 | $630 |
| Chouteau, IL | $82,900 | $835 | $600 | $1,160 | $560 |