Gavop tells you how to get the best homeowners insurance in Ralls County, MO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $60,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $79,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $209,500 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $182,000 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $419,000 | $390,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$78 | $787 |
| Home and Two Car | -$147 | $718 |
| Home and Three Car | -$208 | $658 |
| 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 |
| Ralls County | $2,500 | $855 | $3,355 | $621 | $3,121 | $234 |
| Ralls County, MO | $1,000 | $855 | $1,855 | $621 | $1,621 | $234 |
| Spencer, MO | $100 | $962 | $1,062 | $699 | $799 | $263 |
| Frankford, MO | $1,000 | $879 | $1,879 | $639 | $1,639 | $240 |
| Paris, MO | $200 | $836 | $1,036 | $607 | $807 | $228 |
| Shelbyville, MO | $200 | $793 | $993 | $577 | $777 | $217 |
| Adams County, IL | $2,500 | $682 | $3,182 | $496 | $2,996 | $186 |
| Camp Point, IL | $1,500 | $683 | $2,183 | $496 | $1,996 | $187 |
| Hallsville, MO | $100 | $1,036 | $1,136 | $753 | $853 | $283 |
| Chambersburg, IL | $1,500 | $485 | $1,985 | $353 | $1,853 | $133 |
| Home Insurance Company Ralls County, MO | Homeowners Insurance Agency Ralls County, MO | Address | Popularity Score | Distance from Ralls County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Gallaher Insurance Group | 110 N Coal, Mexico, MO, 65265 | 32.5 | |
| Farmers | Matthew Dunbar | 3434 Georgia St, Louisiana, MO, 63353 | 25.6 | |
| State Farm | Dan Woessner | 1315 E Highway 24 Ste D, Moberly, MO, 65270-3642 | 48.3 | |
| State Farm | Dick Wehde | 1300 Broadway, Hannibal, MO, 63401-4002 | 13.3 | |
| State Farm | Ron Mills | 850 E Cherry St Ste C, Troy, MO, 63379-1474 | 49.3 | |
| Travelers | Scott Agency Inc | 408 N Sturgeon St, Montgomery City, MO, 63361 | 39.6 | |
| Liberty Mutual Independent | Clayton Duff | 430 Main St, Troy, MO, 63379 | 49.2 | |
| State Farm | Ramsey Dickerman | 501 W Us Highway 54, Vandalia, MO, 63382-1320 | 17.0 | |
| Allstate | Cooley Insurance Agency | 902 N Morley St, Moberly, MO, 65270 | 49.3 | |
| State Farm | Craig Spratt | 51a Melgrove Plaza, Hannibal, MO, 63401 | 13.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $790 | $1,540 | $750 |
| Ralls County, MO | $126,000 | $865 | $630 | $1,230 | $600 |
| Ralls County, MO | $126,000 | $865 | $600 | $1,200 | $600 |
| Spencer, MO | $108,300 | $974 | $700 | $1,370 | $670 |
| Frankford, MO | $84,600 | $890 | $610 | $1,270 | $660 |
| Paris, MO | $73,700 | $846 | $570 | $1,180 | $610 |
| Shelbyville, MO | $63,600 | $803 | $580 | $1,130 | $550 |
| Adams County, IL | $120,200 | $691 | $500 | $950 | $450 |
| Camp Point, IL | $113,100 | $691 | $500 | $970 | $470 |
| Hallsville, MO | $132,800 | $1,049 | $740 | $1,460 | $720 |
| Chambersburg, IL | $59,600 | $491 | $360 | $670 | $310 |