Gavop's guide to buying homeowners insurance in Howard County, 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.
| Howard County, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Cherry St, College St, State Hwy 129, 6th St, Co Rd 218, Co Rd 418, Co Rd 212, Co Rd 461, Co Rd 267, S Fayette St | $123,500 | $100,000 | $100,000-$125,000 | $61,500 | $50,000 | $50,000-$75,000 |
| N Louisiana St, Nipper St, Co Rd 121, Co Rd 414, Hackley Dr, Co Rd 324, Knaus St, N Williams St, S Linn St, Besgrove St | $123,000 | $120,000 | $125,000-$150,000 | $94,500 | $80,000 | $75,000-$100,000 |
| S Howard, Watts Ave, Co Rd 409, Co Rd 306, Co Rd 104E, Co Rd 438, Co Rd 320A, S Williams St, Jennings Dr, State Rte Dd | $133,500 | $120,000 | $100,000-$125,000 | $90,500 | $80,000 | $100,000-$125,000 |
| W Market St, Co Rd 302, N Fayette St, Gridiron St, Co Rd 431, Co Rd 340, Co Rd 104, Cravens St, Clark St, Co Rd 429 | $82,500 | $80,000 | $75,000-$100,000 | $60,000 | $50,000 | $50,000-$75,000 |
| Co Rd 331, Co Rd 320, W Harvey St, Bagby St, Co Rd 320, State Hwy 0, State Rte K, Co Rd 102, Co Rd 216, Co Rd 338 | $123,500 | $110,000 | $125,000-$150,000 | $96,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $680 |
| Superior Protection Discount | -$76 | $764 |
| Fire & Security Discount | -$76 | $764 |
| Hail Resistant Roof Discount | -$25 | $815 |
| Newly Constructed Home Discount | -$202 | $638 |
| 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 |
| Howard County | $1,500 | $830 | $2,330 | $603 | $2,103 | $227 |
| Howard County, MO | $1,000 | $830 | $1,830 | $603 | $1,603 | $227 |
| South Sugar Creek, MO | $400 | $970 | $1,370 | $705 | $1,105 | $265 |
| Columbia, MO | $1,500 | $1,086 | $2,586 | $789 | $2,289 | $297 |
| Rock Bridge, MO | $300 | $990 | $1,290 | $720 | $1,020 | $271 |
| Clear Creek, MO | $1,000 | $1,066 | $2,066 | $775 | $1,775 | $291 |
| South Moniteau, MO | $400 | $1,278 | $1,678 | $929 | $1,329 | $349 |
| Yellow Creek, MO | $1,000 | $762 | $1,762 | $554 | $1,554 | $208 |
| Pilot Grove, MO | $300 | $1,223 | $1,523 | $889 | $1,189 | $334 |
| Sedalia, MO | $2,000 | $763 | $2,763 | $554 | $2,554 | $208 |
| Fulton, MO | $100 | $832 | $932 | $604 | $704 | $227 |
| South Fork, MO | $700 | $759 | $1,459 | $551 | $1,251 | $207 |
| Home Insurance Company Howard County, MO | Homeowners Insurance Agency Howard County, MO | Address | Popularity Score | Distance from Howard County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Gallaher Insurance Group | 110 N Coal, Mexico, MO, 65265 | 43.8 | |
| State Farm | Dj Hinds | 3600 Interstate 70 Dr Se Ste C, Columbia, MO, 65201-6583 | 25.5 | |
| State Farm | Jennifer Wesselman | 1424 W Ashley Rd Ste B, Boonville, MO, 65233-2159 | 13.7 | |
| State Farm | Mac Mcmillin | 1437 Thompson Blvd, Sedalia, MO, 65301-2244 | 43.3 | |
| State Farm | Suzanne Baker | 909 W Monroe St, Mexico, MO, 65265-1973 | 43.5 | |
| State Farm | Debbie Minnick | 306 N Mason St, Carrollton, MO, 64633-2248 | 45.1 | |
| Travelers | Dysart Agency | 117 N Lafayette, Marshall, MO, 65340 | 27.0 | |
| Travelers | Choice Agency Llc | 622 Delaware Suite A Jefferson City, Jefferson City, MO, 65109 | 47.7 | |
| State Farm | Lisa Cravens | 1725 Paris Road, Columbia, MO, 65201-5571 | 24.1 | |
| Farmers | David Westhoff | 603 S Henry Clay Blvd, Ashland, MO, 65010 | 34.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $770 | $1,490 | $720 |
| Howard County, MO | $116,300 | $840 | $570 | $1,160 | $590 |
| Howard County, MO | $116,300 | $840 | $580 | $1,170 | $590 |
| South Sugar Creek, MO | $110,600 | $982 | $710 | $1,400 | $690 |
| Columbia, MO | $185,300 | $1,099 | $750 | $1,530 | $780 |
| Rock Bridge, MO | $285,800 | $1,002 | $690 | $1,410 | $720 |
| Clear Creek, MO | $143,400 | $1,079 | $740 | $1,490 | $750 |
| South Moniteau, MO | $236,400 | $1,294 | $920 | $1,800 | $880 |
| Yellow Creek, MO | $56,500 | $771 | $520 | $1,060 | $540 |
| Pilot Grove, MO | $210,900 | $1,238 | $830 | $1,760 | $930 |
| Sedalia, MO | $92,300 | $772 | $520 | $1,090 | $570 |
| Fulton, MO | $116,900 | $842 | $580 | $1,200 | $620 |
| South Fork, MO | $91,000 | $768 | $550 | $1,060 | $510 |