Gavop shows you how to buy homeowners insurance in Caldwell 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $133,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $102,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $265,000 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $127,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $692 |
| Superior Protection Discount | -$80 | $724 |
| Fire & Security Discount | -$56 | $748 |
| Hail Resistant Roof Discount | -$16 | $789 |
| Newly Constructed Home Discount | -$225 | $579 |
| 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 |
| Caldwell County | $1,500 | $795 | $2,295 | $578 | $2,078 | $217 |
| Caldwell County, MO | $700 | $795 | $1,495 | $578 | $1,278 | $217 |
| Polo, MO | $400 | $839 | $1,239 | $610 | $1,010 | $229 |
| Kidder, MO | $700 | $996 | $1,696 | $724 | $1,424 | $272 |
| Lake Viking, MO | $500 | $1,345 | $1,845 | $977 | $1,477 | $367 |
| Daviess County, MO | $1,500 | $788 | $2,288 | $573 | $2,073 | $215 |
| Wood Heights, MO | $300 | $988 | $1,288 | $718 | $1,018 | $270 |
| Cosby, MO | $1,500 | $755 | $2,255 | $549 | $2,049 | $206 |
| Spickard, MO | $300 | $634 | $934 | $461 | $761 | $173 |
| Fair, MO | $1,000 | $1,255 | $2,255 | $912 | $1,912 | $343 |
| Home Insurance Company Caldwell County, MO | Homeowners Insurance Agency Caldwell County, MO | Address | Popularity Score | Distance from Caldwell County (miles) |
|---|---|---|---|---|
| State Farm | David Cochran | 2910 Oklahoma Ave, Trenton, MO, 64683-3405 | 35.8 | |
| State Farm | Michael Green | 100 W Berry Street, Hamilton, MO, 64644-1309 | 5.8 | |
| State Farm | Jacob Pratt | 6434 Nw Crooked Rd, Parkville, MO, 64152-3497 | 50.0 | |
| State Farm | Kim Downey Noble | 221 W Lexington Ave Ste 101, Independence, MO, 64050-3719 | 45.6 | |
| Liberty Mutual Independent | Krueger & James Insurance Agency | 1126 Swift Ave, North Kansas City, MO, 64116 | 48.6 | |
| Allstate | Don Graves | 710 W Main St Ste I, Blue Springs, MO, 64015 | 46.9 | |
| State Farm | Jeff Zigmant | 6008 N Highway 9 Ste B, Parkville, MO, 64152-3673 | 49.0 | |
| State Farm | John Hardy | 1201 Nw Jefferson St Ste A, Blue Springs, MO, 64015-6400 | 46.2 | |
| Farmers | Brad Newcomer | 2 Victory Dr Ste 220, Liberty, MO, 64068 | 38.1 | |
| State Farm | Tim Tadlock | 122 N Market St, Gallatin, MO, 64640-1156 | 17.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,510 | $760 |
| Caldwell County, MO | $103,600 | $805 | $570 | $1,150 | $580 |
| Caldwell County, MO | $103,600 | $805 | $560 | $1,100 | $540 |
| Polo, MO | $74,300 | $849 | $610 | $1,170 | $560 |
| Kidder, MO | $119,000 | $1,008 | $700 | $1,390 | $690 |
| Lake Viking, MO | $265,900 | $1,361 | $990 | $1,950 | $960 |
| Daviess County, MO | $101,100 | $798 | $580 | $1,090 | $510 |
| Wood Heights, MO | $116,400 | $1,000 | $720 | $1,420 | $700 |
| Cosby, MO | $55,000 | $764 | $560 | $1,060 | $500 |
| Spickard, MO | $30,800 | $642 | $460 | $880 | $420 |
| Fair, MO | $225,600 | $1,270 | $930 | $1,750 | $820 |