Gavop's guide to buying homeowners insurance in St. Louis County, 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.
| St. Louis County, 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 | |
| N Covington Meadow Rd, Kingsridge Ct, Axminister Dr, Savonne Ct, First Missouri Center, Clifton Forge Dr, Crownover Dr, Nantucket Dr, Gentry Ave, Saint Paul Pl | $111,000 | $100,000 | $100,000-$125,000 | $79,000 | $70,000 | $75,000-$100,000 |
| Tioga Ct, Welmering Dr, Grotto Ct, Ruhl Ln, Fairchild Ave, Calumet Dr, Spring Valley Dr, Mound St, Broad Oak Dr, Harvshire Ct | $274,500 | $250,000 | $250,000-$300,000 | $184,000 | $160,000 | $175,000-$200,000 |
| Elderwood Ct, Willoughby Ln, New Holland Dr, Miraclair Dr, Lyric Ct, Driftwood Pl, Tivoli Ln, Hwy 100, Danbury Ave, Southridge Park Ct | $455,000 | $420,000 | $350,000-$400,000 | $324,500 | $300,000 | $250,000-$300,000 |
| Dapple Gray Ct, Nancy Lee Dr, Lockett Ln, Whitney Cir, Inagua Dr, Narragansett Dr, Lions Gate Dr, Kenilworth Ln, Fabick Ln, Avalon Hills Dr | $200,000 | $160,000 | $200,000-$250,000 | $194,500 | $170,000 | $200,000-$250,000 |
| Walters Dr, Bellevue Ave, N Kilare Ln, Kienlen Ave, Old Jamestown Rd, Sherwood Dr, Lexington Ave, Vista Hills Ct, Brook Meadow Dr, Brookcastle Ct | $117,500 | $110,000 | $125,000-$150,000 | $95,000 | $80,000 | $100,000-$125,000 |
| Kings Ct, Carondelet Plz, Knollhaven Dr, Marechal Ln, Mount Ave, Canter Dr, Briarwood Ln, Woodcrest Manor Ct, Picardy Pl, Mercury Dr | $291,500 | $280,000 | $300,000-$350,000 | $188,000 | $170,000 | $200,000-$250,000 |
| Streiff Ln, Beaver Ridge Ct, Blue Ridge Dr, Montauk Dr, Hannover Cts, White Acre Ct, Brittania Ct, Twin Lakes Dr, Norwood Hills Country Club Dr, Creekhaven Dr | $133,500 | $120,000 | $125,000-$150,000 | $106,500 | $100,000 | $100,000-$125,000 |
| Brittany Ln, Wellston Pl, Decker Ave, High Dr, Hackney Dr, Crestside Ln, Rio Vista Dr, Kirkey Ct, Idlewild Ave, Summerland Cir | $298,500 | $280,000 | $250,000-$300,000 | $213,500 | $170,000 | $200,000-$250,000 |
| Towerwood Dr, Carmel Ct, Sunswept Dr, Hickory Valley Ct, Saint Dolores Dr, Greenloch Ct, Town & Country Commons Dr, Bartmer Ave, Wallis Ave, Glenstone Dr | $364,500 | $290,000 | $350,000-$400,000 | $290,000 | $250,000 | $300,000-$350,000 |
| Monte Dr, Henze Ct, Spring Brook Ct, Topsider Ct, Broken Oak Dr, Aire Ct, Taylor Rd, Baronet Dr, Oakville Woods Ct, Kensington Manor Dr | $265,500 | $230,000 | $250,000-$300,000 | $177,000 | $150,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$163 | $926 |
| Superior Protection Discount | -$109 | $981 |
| Fire & Security Discount | -$87 | $1,003 |
| Hail Resistant Roof Discount | -$33 | $1,057 |
| Newly Constructed Home Discount | -$229 | $861 |
| 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 | $700 | $1,077 | $1,777 | $783 | $1,483 | $294 |
| St. Louis County, MO | $700 | $1,077 | $1,777 | $783 | $1,483 | $294 |
| Ballwin, MO | $400 | $1,200 | $1,600 | $872 | $1,272 | $328 |
| Edmundson, MO | $2,000 | $799 | $2,799 | $581 | $2,581 | $218 |
| Affton, MO | $100 | $888 | $988 | $645 | $745 | $243 |
| Murphy, MO | $1,500 | $852 | $2,352 | $619 | $2,119 | $233 |
| Fairmont City, IL | $400 | $519 | $919 | $377 | $777 | $142 |
| Point, IL | $1,000 | $757 | $1,757 | $550 | $1,550 | $207 |
| Maryville, IL | $100 | $728 | $828 | $529 | $629 | $199 |
| Helvetia, IL | $1,000 | $670 | $1,670 | $487 | $1,487 | $183 |
| Mount Clare, IL | $500 | $548 | $1,048 | $398 | $898 | $150 |
| Eagarville, IL | $2,500 | $509 | $3,009 | $370 | $2,870 | $139 |
| Home Insurance Company St. Louis County, MO | Homeowners Insurance Agency St. Louis County, MO | Address | Popularity Score | Distance from St. Louis County (miles) |
|---|---|---|---|---|
| State Farm | Anthony Luster | 11706 W Florissant Ave, Florissant, MO, 63033-6743 | 13.1 | |
| Travelers | Graves Insurance Group | 10097 Manchester Rd Ste 100, St Louis, MO, 63122 | 4.1 | |
| Farmers | Craig Berry | 15332 Manchester Rd Ste 211, Ballwin, MO, 63011 | 7.0 | |
| Travelers | Insurance Store | 1415 Elbridge Payne Rd Ste 230, Chesterfield, MO, 63017 | 6.3 | |
| Travelers | The Warren Group | 14567 N Outer Forty Ste 125, Chesterfield, MO, 63017 | 4.9 | |
| State Farm | Deanna Carroll | 11780 Manchester Rd, Des Peres, MO, 63131-4328 | 2.9 | |
| Travelers | Insurance Consultants Inc | 1064 So Woods Mill Road, Chesterfield, MO, 63017 | 3.9 | |
| State Farm | Margaret Eidson | 15334 Manchester Rd, Ellisville, MO, 63011-3027 | 7.0 | |
| Travelers | Kirnco Insurance Group | 14394 Manchester Rd Ste 200, Manchester, MO, 63011 | 5.0 | |
| State Farm | Leianna Moore | 711 Old Ballas Rd Ste 200, Creve Coeur, MO, 63141-7069 | 2.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $780 | $1,510 | $730 |
| St. Louis County, MO | $181,100 | $1,090 | $750 | $1,540 | $790 |
| St. Louis County, MO | $181,100 | $1,090 | $800 | $1,520 | $720 |
| Ballwin, MO | $241,800 | $1,215 | $810 | $1,740 | $930 |
| Edmundson, MO | $65,000 | $809 | $570 | $1,150 | $580 |
| Affton, MO | $140,200 | $899 | $610 | $1,250 | $640 |
| Murphy, MO | $125,000 | $863 | $600 | $1,220 | $620 |
| Fairmont City, IL | $67,300 | $525 | $360 | $740 | $380 |
| Point, IL | $140,600 | $766 | $520 | $1,100 | $580 |
| Maryville, IL | $194,900 | $737 | $510 | $1,050 | $540 |
| Helvetia, IL | $158,500 | $678 | $490 | $960 | $470 |
| Mount Clare, IL | $74,400 | $555 | $400 | $770 | $370 |
| Eagarville, IL | $65,000 | $515 | $380 | $720 | $340 |