Gavop's guide to buying homeowners insurance in Union Chapel, 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 | $56,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $150,000 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $154,500 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $213,000 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $312,000 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $701 |
| Superior Protection Discount | -$74 | $751 |
| Fire & Security Discount | -$66 | $759 |
| Hail Resistant Roof Discount | -$25 | $800 |
| Newly Constructed Home Discount | -$165 | $660 |
| 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 |
| Christian County | $1,500 | $1,018 | $2,518 | $740 | $2,240 | $278 |
| Union Chapel, MO | $1,000 | $815 | $1,815 | $592 | $1,592 | $223 |
| Turnback, MO | $500 | $1,044 | $1,544 | $759 | $1,259 | $285 |
| Bull Creek, MO | $2,500 | $580 | $3,080 | $421 | $2,921 | $158 |
| Spring River, MO | $400 | $857 | $1,257 | $623 | $1,023 | $234 |
| Ruth C, MO | $2,500 | $1,314 | $3,814 | $955 | $3,455 | $359 |
| South, MO | $400 | $812 | $1,212 | $590 | $990 | $222 |
| Ava, MO | $2,500 | $838 | $3,338 | $609 | $3,109 | $229 |
| South Benton, MO | $300 | $1,003 | $1,303 | $729 | $1,029 | $274 |
| North, MO | $1,500 | $819 | $2,319 | $595 | $2,095 | $224 |
| Ritchey, MO | $100 | $722 | $822 | $525 | $625 | $197 |
| Hartville, MO | $1,000 | $719 | $1,719 | $523 | $1,523 | $197 |
| Home Insurance Company Union Chapel, MO | Homeowners Insurance Agency Union Chapel, MO | Address | Popularity Score | Distance from Union Chapel (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Capstone Insurors | 1053 E Broadway St, Bolivar, MO, 65613 | 37.6 | |
| State Farm | Lance Haight | 2905 S National Ave, Springfield, MO, 65804-3633 | 7.3 | |
| State Farm | Rob Akers | 1901a S Glenstone Ave, Springfield, MO, 65804-2304 | 8.9 | |
| Farmers | Shirley Gilbertson | 1852 N Commerce Dr, Nixa, MO, 65714 | 2.9 | |
| Allstate | Mark Mccully | 215 Us Highway 60 W, Republic, MO, 65738 | 7.9 | |
| Travelers | Mckinney Insurance Llc | 3840 S Cox Ave Ste F102, Springfield, MO, 65807 | 5.2 | |
| State Farm | Bob Berke | 1054a W Sunshine St, Springfield, MO, 65807-2455 | 8.0 | |
| State Farm | Jeff Hammock | 2906 W Chestnut Expy, Springfield, MO, 65802-4633 | 9.7 | |
| Travelers | Modern Options Insurance | 4301 S National Ave Ste G, Springfield, MO, 65810 | 5.9 | |
| State Farm | David Creach | 1040 E Kearney St, Springfield, MO, 65803-3470 | 12.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $790 | $1,490 | $700 |
| Christian County, MO | $154,400 | $1,030 | $710 | $1,470 | $760 |
| Union Chapel, MO | $175,900 | $825 | $570 | $1,130 | $560 |
| Turnback, MO | $135,600 | $1,057 | $770 | $1,490 | $720 |
| Bull Creek, MO | $20,900 | $587 | $410 | $830 | $420 |
| Spring River, MO | $78,800 | $867 | $620 | $1,240 | $620 |
| Ruth C, MO | $252,700 | $1,330 | $970 | $1,890 | $920 |
| South, MO | $67,900 | $822 | $550 | $1,160 | $610 |
| Ava, MO | $74,100 | $848 | $600 | $1,210 | $610 |
| South Benton, MO | $121,200 | $1,015 | $690 | $1,440 | $750 |
| North, MO | $69,500 | $829 | $610 | $1,140 | $530 |
| Ritchey, MO | $48,000 | $731 | $500 | $1,010 | $510 |
| Hartville, MO | $47,500 | $728 | $500 | $1,010 | $510 |