How Can I Make My Chesterfield, MO Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Chesterfield, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Chesterfield, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $95,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $171,500 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $296,500 | $280,000 | $250,000-$300,000 |
| 4 Bedroom | $275,000 | $250,000 | $300,000-$350,000 |
| 5 Bedroom | $223,000 | $190,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Chesterfield, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$223 | $1,261 |
| Superior Protection Discount | -$148 | $1,336 |
| Fire & Security Discount | -$119 | $1,365 |
| Hail Resistant Roof Discount | -$30 | $1,454 |
| Newly Constructed Home Discount | -$386 | $1,098 |
Choose the Right Deductible for your Chesterfield, MO Home | Back to Top
| 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 |
| St. Louis County | $2,000 | $1,077 | $3,077 | $783 | $2,783 | $294 |
| Chesterfield, MO | $700 | $1,466 | $2,166 | $1,066 | $1,766 | $401 |
| St. Charles, MO | $500 | $1,079 | $1,579 | $784 | $1,284 | $295 |
| Hadley, MO | $700 | $951 | $1,651 | $691 | $1,391 | $260 |
| Wellston, MO | $100 | $697 | $797 | $506 | $606 | $190 |
| Northwoods, MO | $2,500 | $811 | $3,311 | $589 | $3,089 | $222 |
| Dellwood, MO | $200 | $703 | $903 | $511 | $711 | $192 |
| Fieldon, IL | $1,500 | $586 | $2,086 | $426 | $1,926 | $160 |
| Waterloo, IL | $100 | $709 | $809 | $515 | $615 | $194 |
| Berger, MO | $700 | $849 | $1,549 | $617 | $1,317 | $232 |
| Marine, IL | $200 | $816 | $1,016 | $593 | $793 | $223 |
| St. Cloud, MO | $2,500 | $1,114 | $3,614 | $810 | $3,310 | $305 |
Identify Top Home Insurance Agents near Chesterfield, MO | Back to Top
| Home Insurance Company Chesterfield, MO | Homeowners Insurance Agency Chesterfield, MO | Address | Popularity Score | Distance from Chesterfield (miles) |
|---|---|---|---|---|
| Allstate | Lisa M. Clemente | 110a Holloway Rd, Ballwin, MO, 63011 | 4.8 | |
| Travelers | Graves Insurance Group | 10097 Manchester Rd Ste 100, St Louis, MO, 63122 | 11.1 | |
| State Farm | Mike Haight | 300 W Pearce Blvd, Wentzville, MO, 63385-1422 | 18.3 | |
| Travelers | The Warren Group | 14567 N Outer Forty Ste 125, Chesterfield, MO, 63017 | 2.5 | |
| Travelers | Insurance Consultants Inc | 1064 So Woods Mill Road, Chesterfield, MO, 63017 | 4.3 | |
| State Farm | Mike Burger | 14370 Olive Blvd, Chesterfield, MO, 63017-2149 | 3.3 | |
| State Farm | Chris Harris | 10420 Old Olve St Rd Ste 100, Creve Coeur, MO, 63141-5937 | 9.4 | |
| Allstate | Bob Ryals | 2745 High Ridge Blvd Ste 13, High Ridge, MO, 63049 | 13.6 | |
| State Farm | Jeff Ehrhardt | 11237 Manchester Rd, Kirkwood, MO, 63122-1122 | 9.7 | |
| State Farm | Bob Glazebrook | 115 Hilltown Vlg Ctr, Chesterfield, MO, 63017-1731 | 1.6 |
Compare Rates for Chesterfield, MO Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,540 | $810 |
| St. Louis County, MO | $181,100 | $1,090 | $780 | $1,520 | $740 |
| Chesterfield, MO | $360,400 | $1,484 | $1,050 | $2,050 | $1,000 |
| St. Charles, MO | $182,000 | $1,092 | $750 | $1,510 | $760 |
| Hadley, MO | $262,800 | $963 | $690 | $1,380 | $690 |
| Wellston, MO | $42,800 | $705 | $490 | $970 | $480 |
| Northwoods, MO | $67,700 | $821 | $580 | $1,120 | $540 |
| Dellwood, MO | $73,800 | $711 | $480 | $990 | $510 |
| Fieldon, IL | $84,000 | $593 | $400 | $850 | $450 |
| Waterloo, IL | $181,900 | $717 | $490 | $1,000 | $510 |
| Berger, MO | $76,700 | $859 | $610 | $1,230 | $620 |
| Marine, IL | $167,600 | $826 | $590 | $1,130 | $540 |
| St. Cloud, MO | $162,500 | $1,128 | $810 | $1,610 | $800 |
Research Home Insurance Companies Reviews in Chesterfield, MO Before Buying | Back to Top
Share a review on your home insurance company
Shelter Home Insurance Reviews
Date: September 25, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
My premium is less than $10 a month for $30000 worth of coverage for renter's insurance. I have a low deductible which would be easy to handle financially if the need arises.
State Farm Home Insurance Reviews
Date: July 27, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I did research and their rate was the best. Not too expensive at all, and super easy to get everything set up in the beginning.
Farmer's Insurance Home Insurance Reviews
Date: June 13, 2019 Age: 40 to 49 Gender: Married Marital Status: Male
Premium
The same as any other I've used. The deductible is reasonable and expected. The coverage is good and the deductible normal for the industry from what I've seen.
GEICO Home Insurance Reviews
Date: September 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I like them overall they help me save 40 dollars a month by comparing my old price for insurance and matching it to give me better deal then the other company I had, they always help if I have a problem.