Gavop shows you how to buy homeowners insurance in Franklin 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.
| Franklin 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 | |
| Roosevelt St, W Thornton Ave, Jenny Ln, Wild Plum Vly, E Gravois Ave, Edgewood Dr, Northwoods Dr, Lyon School Rd, South St, Lake Hill Rd | $103,000 | $90,000 | $100,000-$125,000 | $73,500 | $60,000 | $75,000-$100,000 |
| Lilly's Ln, Adams Ct, Allen Dr, Thorn Tree, Shaw Ln, Wagner Ln, Lewis Ln, N 3rd St, Oak Creek Dr, Diamond Trails Ln | $136,500 | $120,000 | $125,000-$150,000 | $155,500 | $140,000 | $125,000-$150,000 |
| Hardecke Rd, Crestview Dr, State Hwy Ah, W Hawthorne Dr, Dove Ln, Larkin Ln, Red Barn Dr, Torrey Pines Cir, Alice Mae Ln, Oak Parc | $93,500 | $80,000 | $100,000-$125,000 | $73,500 | $70,000 | $50,000-$75,000 |
| Pine Blvd, Shawnee Dr, Caltry Ln, Timbercrest Dr, Lone Oak Dr, Park Hill Dr, Riverbend Pack Ln, Circle Dr, Thurman St, Bader St | $170,000 | $140,000 | $150,000-$175,000 | $67,500 | $60,000 | $50,000-$75,000 |
| Misty Valley Ln, Excelsior Rd, Cove Creek Rd, Vee Cee Estates Ln, Hammer Ave, Brookmoore Dr, Bird Song Ln, Rocky Creek Trl, Amburgy Dr, Maple Beach Rd | $141,500 | $120,000 | $150,000-$175,000 | $94,500 | $80,000 | $75,000-$100,000 |
| Marylee Ln, S Forest Ln, Elbert Dr, Lawrence Ln, S West End St, Circle Dr, Cedar Knoll Ct, Southbend Dr, 4 Seasons Ln, Look Away Dr | $147,000 | $120,000 | $150,000-$175,000 | $114,000 | $100,000 | $100,000-$125,000 |
| White Deer Ln, Rambler Ln, Rhodes Dr, Ridgefield Rd, Oak Meadows Ln, Carriage Court Dr, S Indian Pride Dr, Smoke Signal Rd, Karen Rae Dr, Shady Ln | $127,500 | $110,000 | $125,000-$150,000 | $87,000 | $80,000 | $75,000-$100,000 |
| Peace Pipe Rd, Possum Hollow Rd, Oak Ridge Estates Dr, Shawnee Way, Coventry Farms Rd, Shaffer Ln, Sunset Ln, Maple Lake Ct, Martin Cemetery Rd, N Frisco St | $150,500 | $130,000 | $150,000-$175,000 | $143,000 | $130,000 | $125,000-$150,000 |
| Hoeman Rd, Pleasant Dr, Timberlane, Amber Ridge Dr, Hummingbird Ln, Franklin Ave, Marilyn Ct, Hawthorne Dr, Snake Hill Rd, Toelke Ln | $223,000 | $190,000 | $200,000-$250,000 | $169,000 | $150,000 | $175,000-$200,000 |
| Kenneth St, Stephen Ave, Bill St, International Ave, Longwood Dr, Oxford Dr, Sunset Ln, Bernic Ln, Garrick Pl, Eagle Crest Dr | $145,000 | $130,000 | $150,000-$175,000 | $95,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $891 |
| Superior Protection Discount | -$104 | $932 |
| Fire & Security Discount | -$114 | $922 |
| Hail Resistant Roof Discount | -$31 | $1,005 |
| Newly Constructed Home Discount | -$218 | $818 |
| 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 |
| Franklin County | $1,500 | $1,024 | $2,524 | $744 | $2,244 | $280 |
| Franklin County, MO | $1,000 | $1,024 | $2,024 | $744 | $1,744 | $280 |
| Lake Tekakwitha, MO | $500 | $935 | $1,435 | $679 | $1,179 | $255 |
| Rock, MO | $700 | $917 | $1,617 | $666 | $1,366 | $251 |
| Crawford, MO | $300 | $1,043 | $1,343 | $758 | $1,058 | $285 |
| Mehlville, MO | $700 | $908 | $1,608 | $660 | $1,360 | $248 |
| Olivette, MO | $400 | $1,005 | $1,405 | $730 | $1,130 | $275 |
| St. Ann, MO | $1,500 | $746 | $2,246 | $542 | $2,042 | $204 |
| Snow Hill, MO | $100 | $1,088 | $1,188 | $791 | $891 | $297 |
| Cool Valley, MO | $2,500 | $842 | $3,342 | $612 | $3,112 | $230 |
| Mokane, MO | $200 | $770 | $970 | $559 | $759 | $210 |
| Caledonia, MO | $1,500 | $837 | $2,337 | $608 | $2,108 | $229 |
| Home Insurance Company Franklin County, MO | Homeowners Insurance Agency Franklin County, MO | Address | Popularity Score | Distance from Franklin County (miles) |
|---|---|---|---|---|
| Allstate | Steven Misuraca | 516 Meramec Station Rd, Valley Park, MO, 63088 | 33.2 | |
| Farmers | Craig Berry | 15332 Manchester Rd Ste 211, Ballwin, MO, 63011 | 30.6 | |
| Liberty Mutual Independent | Weiss Insurance Agency | 683 Trade Center Blvd Ste 100, Chesterfield, MO, 63005 | 30.2 | |
| Travelers | Global Green Insurance Agency | 995 Cool Springs Industrial Dr, Ofallon, MO, 63366 | 35.1 | |
| State Farm | Dave Drissell | 105 Chstrfld Bus Pkwy, Chesterfield, MO, 63005-1233 | 30.4 | |
| Liberty Mutual Independent | The Warren Group | 14567 N Outer 40 Rd Ste 125, Chesterfield, MO, 63017 | 33.5 | |
| Travelers | Leach Insurance Agency Llc | 2366 Hwy 94 S Outer Rd, St Charles, MO, 63303 | 37.6 | |
| Travelers | The Tag Group Inc | 100 Chesterfield Business Pkwy Ste 200, Chesterfield, MO, 63005 | 30.4 | |
| State Farm | Deanna Carroll | 11780 Manchester Rd, Des Peres, MO, 63131-4328 | 37.3 | |
| Travelers | Lang Insurance Service | 3920 S Old Hwy 94 Ste 39, St Charles, MO, 63304 | 35.0 |
| 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 | $1,500 | $720 |
| Franklin County, MO | $156,800 | $1,036 | $690 | $1,470 | $780 |
| Franklin County, MO | $156,800 | $1,036 | $740 | $1,430 | $690 |
| Lake Tekakwitha, MO | $100,000 | $946 | $650 | $1,350 | $700 |
| Rock, MO | $153,300 | $928 | $620 | $1,310 | $690 |
| Crawford, MO | $135,100 | $1,056 | $760 | $1,470 | $710 |
| Mehlville, MO | $149,300 | $919 | $660 | $1,260 | $600 |
| Olivette, MO | $293,700 | $1,017 | $720 | $1,410 | $690 |
| St. Ann, MO | $87,000 | $755 | $510 | $1,070 | $560 |
| Snow Hill, MO | $151,800 | $1,101 | $800 | $1,510 | $710 |
| Cool Valley, MO | $75,000 | $852 | $610 | $1,200 | $590 |
| Mokane, MO | $58,100 | $779 | $540 | $1,070 | $530 |
| Caledonia, MO | $73,800 | $847 | $580 | $1,210 | $630 |