How Can I Make My Hannibal, MO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Hannibal, 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.
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Estimate Appropriate Hannibal, MO Home Insurance Coverage Levels | Back to Top
| Hannibal, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Navajo Dr, Banister Pl, Darr St, Eagle Trail Ridge Ct, Ledbetter Ln, Ute Dr, Dunlop St, Orchard Rd, Nez Perce Rd, Badger Rd | $137,000 | $120,000 | $150,000-$175,000 | $122,500 | $110,000 | $100,000-$125,000 |
| Prince Ave, Lucas St, Fox Run Pl, Carson Trl, Otter Rd, Oglesby Pl, Broadway St, Turner Acres Pl, S Public St, State Hwy M | $130,500 | $110,000 | $125,000-$150,000 | $68,500 | $60,000 | $75,000-$100,000 |
| Echo Ter, Twin Acres Pl, Orchard Ave, Spalding Rd, Quarry Dr, State Hwy O, Comanche Dr, Miller Pl, Haden Pl, State Hwy Ff | $182,500 | $150,000 | $200,000-$250,000 | $128,000 | $120,000 | $100,000-$125,000 |
| Columbus Trl, Tanglewood Pl, Ginnybelle Rd, Rendlen Pl, Kingsville Rd, N Meadow St, Chiefs Ln, N Center St, Aspen Trl, N Floweree St | $96,000 | $90,000 | $100,000-$125,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Norwoods Ct, State Hwy CC, Quarry Ln, Norwoods Pl, Johnson Hollow, Dalton Ln, Cumberland Trl, Plumcreek Ln, Beaver Rd, Ash Trl | $98,500 | $90,000 | $75,000-$100,000 | $75,500 | $60,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Hannibal, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$148 | $632 |
| Superior Protection Discount | -$70 | $710 |
| Fire & Security Discount | -$55 | $726 |
| Hail Resistant Roof Discount | -$23 | $757 |
| Newly Constructed Home Discount | -$211 | $570 |
Choose the Right Deductible for your Hannibal, 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 |
| Ralls County | $2,500 | $855 | $3,355 | $621 | $3,121 | $234 |
| Hannibal, MO | $1,500 | $771 | $2,271 | $560 | $2,060 | $211 |
| Rensselaer, MO | $200 | $1,101 | $1,301 | $800 | $1,000 | $301 |
| Saverton, MO | $2,000 | $1,057 | $3,057 | $768 | $2,768 | $289 |
| Pittsfield, IL | $400 | $607 | $1,007 | $441 | $841 | $166 |
| Monticello, MO | $1,500 | $1,050 | $2,550 | $763 | $2,263 | $287 |
| Ashley, MO | $400 | $1,048 | $1,448 | $762 | $1,162 | $286 |
| Bowen, IL | $2,500 | $445 | $2,945 | $323 | $2,823 | $122 |
| Vandiver, MO | $500 | $893 | $1,393 | $649 | $1,149 | $244 |
| Winchester No. 2, IL | $1,500 | $626 | $2,126 | $455 | $1,955 | $171 |
Identify Top Home Insurance Agents near Hannibal, MO | Back to Top
| Home Insurance Company Hannibal, MO | Homeowners Insurance Agency Hannibal, MO | Address | Popularity Score | Distance from Hannibal (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Gallaher Insurance Group | 110 N Coal, Mexico, MO, 65265 | 45.3 | |
| Farmers | Matthew Dunbar | 3434 Georgia St, Louisiana, MO, 63353 | 25.8 | |
| State Farm | Suzanne Baker | 909 W Monroe St, Mexico, MO, 65265-1973 | 45.5 | |
| Farmers | Karen Munch | 18 Northport Plz, Hannibal, MO, 63401 | 1.5 | |
| State Farm | Dick Wehde | 1300 Broadway, Hannibal, MO, 63401-4002 | 1.4 | |
| State Farm | Ramsey Dickerman | 501 W Us Highway 54, Vandalia, MO, 63382-1320 | 28.2 | |
| State Farm | Ed Wenneker | 838 Grand Ave, Hannibal, MO, 63401-3178 | 1.1 | |
| State Farm | Mike Fohey | 300 N Center St, Shelbina, MO, 63468-1120 | 34.5 | |
| State Farm | Kirk Ekern | 1122 E Liberty St, Mexico, MO, 65265-3074 | 45.2 | |
| State Farm | Cindy Blaylock | 201 Georgia St, Louisiana, MO, 63353-1715 | 25.8 |
Compare Rates for Hannibal, 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 | $770 | $1,500 | $730 |
| Ralls County, MO | $126,000 | $865 | $630 | $1,200 | $570 |
| Hannibal, MO | $95,300 | $780 | $570 | $1,080 | $510 |
| Rensselaer, MO | $157,100 | $1,114 | $810 | $1,570 | $760 |
| Saverton, MO | $140,100 | $1,070 | $740 | $1,490 | $750 |
| Pittsfield, IL | $89,700 | $614 | $450 | $850 | $400 |
| Monticello, MO | $137,500 | $1,063 | $780 | $1,510 | $730 |
| Ashley, MO | $136,900 | $1,061 | $770 | $1,500 | $730 |
| Bowen, IL | $50,900 | $450 | $320 | $630 | $310 |
| Vandiver, MO | $88,300 | $904 | $650 | $1,270 | $620 |
| Winchester No. 2, IL | $95,400 | $634 | $460 | $910 | $450 |
Research Home Insurance Companies Reviews in Hannibal, MO Before Buying | Back to Top
Share a review on your home insurance company
Shelter Home Insurance Reviews
Date: March 28, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
my comparisons have been few. I am mostly satisfied with my premium as I have a high deductible on my policy to balance the premium.
State Farm Home Insurance Reviews
Date: November 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I've always had a good experience with State Farm's customer service. They always answer my question or get me to an appropriate agent that can help.
Travelers Home Insurance Reviews
Date: November 18, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Travelers is much much cheaper than other companies. Geico tried to charge me 700 a year more per year for the same coverage.
Farmer's Insurance Home Insurance Reviews
Date: January 07, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I think they are competitive here as well but I am not totally sure about that. I did compare to some other providers but not too many so there might be another that is more competitive.