Gavop's guide to buying homeowners insurance in Dardenne Prairie, 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 |
|---|---|---|---|
| 2 Bedroom | $250,000 | $230,000 | $250,000-$300,000 |
| 3 Bedroom | $173,000 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $261,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $686,000 | $590,000 | $700,000-$800,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$89 | $898 |
| Home and Two Car | -$168 | $819 |
| Home and Three Car | -$237 | $750 |
| 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. Charles County | $700 | $1,113 | $1,813 | $809 | $1,509 | $304 |
| Dardenne Prairie, MO | $2,000 | $975 | $2,975 | $709 | $2,709 | $266 |
| Quarry, IL | $200 | $841 | $1,041 | $611 | $811 | $230 |
| Rock Hill, MO | $1,000 | $1,146 | $2,146 | $833 | $1,833 | $313 |
| Hanley Hills, MO | $100 | $766 | $866 | $556 | $656 | $209 |
| Mackenzie, MO | $2,000 | $1,040 | $3,040 | $756 | $2,756 | $284 |
| Hurricane, MO | $400 | $1,041 | $1,441 | $757 | $1,157 | $285 |
| Sauget, IL | $700 | $435 | $1,135 | $316 | $1,016 | $119 |
| Hartford, MO | $400 | $997 | $1,397 | $724 | $1,124 | $272 |
| Precinct, IL | $300 | $994 | $1,294 | $722 | $1,022 | $272 |
| St. Cloud, MO | $2,000 | $1,114 | $3,114 | $810 | $2,810 | $305 |
| Home Insurance Company Dardenne Prairie, MO | Homeowners Insurance Agency Dardenne Prairie, MO | Address | Popularity Score | Distance from Dardenne Prairie (miles) |
|---|---|---|---|---|
| State Farm | Sandy Kessler | 1293 Bryan Rd, O Fallon, MO, 63366-3729 | 2.1 | |
| Travelers | Ahl Insurance Agency | 1480 Woodstone Dr Ste 120, St Charles, MO, 63304 | 7.9 | |
| Travelers | All Insurance Llc | 4620 S St Peters Parkway, St Charles, MO, 63304 | 6.3 | |
| Farmers | Kendall Lading | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 7.7 | |
| Travelers | Ahl Insurance Agency | 1480 Woodstone Dr 1480 Woodstone Dr Saint Charles, St Charles, MO, 63304 | 7.9 | |
| State Farm | Blake Blase | 8 Mullanphy Garden Shpg Ctr, Florissant, MO, 63031-3412 | 21.2 | |
| Travelers | The Tag Group Inc | 100 Chesterfield Business Pkwy Ste 200, Chesterfield, MO, 63005 | 8.5 | |
| State Farm | Lane Sander | 105 Chstrfld Bus Pkwy, Chesterfield, MO, 63005-1233 | 8.5 | |
| State Farm | Dan Drissell | 105 Chesterfield Business Pkwy, Chesterfield, MO, 63005-1233 | 8.5 | |
| Travelers | The Insurance Place | 4800 Central School Rd, St Charles, MO, 63304 | 5.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,490 | $740 |
| St. Charles County, MO | $198,500 | $1,126 | $820 | $1,570 | $750 |
| Dardenne Prairie, MO | $277,100 | $987 | $700 | $1,350 | $650 |
| Quarry, IL | $180,600 | $851 | $600 | $1,180 | $580 |
| Rock Hill, MO | $176,000 | $1,160 | $850 | $1,660 | $810 |
| Hanley Hills, MO | $57,400 | $775 | $550 | $1,090 | $540 |
| Mackenzie, MO | $134,200 | $1,053 | $750 | $1,510 | $760 |
| Hurricane, MO | $134,300 | $1,054 | $750 | $1,450 | $700 |
| Sauget, IL | $48,800 | $440 | $300 | $600 | $300 |
| Hartford, MO | $119,200 | $1,009 | $700 | $1,430 | $730 |
| Precinct, IL | $277,700 | $1,006 | $670 | $1,430 | $760 |
| St. Cloud, MO | $162,500 | $1,128 | $770 | $1,600 | $830 |