Gavop shows you how to buy homeowners insurance in Howell County, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $42,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $145,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $126,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $146,500 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $268,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $778 |
| Superior Protection Discount | -$82 | $833 |
| Fire & Security Discount | -$73 | $843 |
| Hail Resistant Roof Discount | -$27 | $888 |
| Newly Constructed Home Discount | -$211 | $705 |
| 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 |
| Howell County | $2,000 | $905 | $2,905 | $658 | $2,658 | $247 |
| Howell County, MO | $1,500 | $905 | $2,405 | $658 | $2,158 | $247 |
| Hutton Valley, MO | $300 | $1,051 | $1,351 | $764 | $1,064 | $287 |
| Dawt, MO | $700 | $704 | $1,404 | $512 | $1,212 | $193 |
| Burdine, MO | $100 | $1,000 | $1,100 | $727 | $827 | $273 |
| Oregon County, MO | $2,000 | $747 | $2,747 | $543 | $2,543 | $204 |
| Cass, MO | $300 | $968 | $1,268 | $704 | $1,004 | $265 |
| New Hope, AR | $1,500 | $898 | $2,398 | $653 | $2,153 | $245 |
| Horseshoe Bend, AR | $200 | $811 | $1,011 | $589 | $789 | $222 |
| Cedar Bluff, MO | $300 | $1,103 | $1,403 | $801 | $1,101 | $301 |
| Norfork, AR | $700 | $1,215 | $1,915 | $883 | $1,583 | $332 |
| Home Insurance Company Howell County, MO | Homeowners Insurance Agency Howell County, MO | Address | Popularity Score | Distance from Howell County (miles) |
|---|---|---|---|---|
| State Farm | Ramona Heiney | 1024 Porter Wagoner Blvd, West Plains, MO, 65775-2130 | 2.8 | |
| State Farm | Justin Shelby | 6783 Highway 63 Ste 1, Houston, MO, 65483-2832 | 36.0 | |
| State Farm | Scott Cecil | 316 Old Alton Rd, Thayer, MO, 65791 | 25.5 | |
| Travelers | Hometown Insurance | 210 E 5th St, Mountain View, MO, 65548 | 18.7 | |
| Allstate | Jason Peterson | 1404 8th St, West Plains, MO, 65775 | 2.7 | |
| State Farm | Jim Peters | 1426 Southern Hills Ctr, West Plains, MO, 65775-2955 | 4.2 | |
| Travelers | Ozark Hills Insurance | 1701 Porter Wagoner Bvld, West Plains, MO, 65775 | 2.1 | |
| Farmers | Shawn Justus | 112 Chestnut St, Thayer, MO, 65791 | 25.9 | |
| State Farm | David Coday | 821 Nw 12th Ave, Ava, MO, 65608 | 45.1 | |
| Farmers | David Adkison | 111 W Main St, Houston, MO, 65483 | 38.3 |
| 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 | $1,540 | $760 |
| Howell County, MO | $102,200 | $916 | $630 | $1,310 | $680 |
| Howell County, MO | $102,200 | $916 | $620 | $1,270 | $650 |
| Hutton Valley, MO | $137,900 | $1,064 | $770 | $1,480 | $710 |
| Dawt, MO | $44,400 | $713 | $480 | $1,010 | $530 |
| Burdine, MO | $120,200 | $1,012 | $690 | $1,410 | $720 |
| Oregon County, MO | $87,200 | $756 | $520 | $1,080 | $560 |
| Cass, MO | $110,100 | $980 | $670 | $1,380 | $710 |
| New Hope, AR | $81,600 | $909 | $650 | $1,250 | $600 |
| Horseshoe Bend, AR | $64,600 | $821 | $600 | $1,120 | $520 |
| Cedar Bluff, MO | $157,500 | $1,116 | $770 | $1,580 | $810 |
| Norfork, AR | $150,700 | $1,230 | $850 | $1,750 | $900 |