Gavop shows you how to buy homeowners insurance in Perry 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $56,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $132,500 | $110,000 | $150,000-$175,000 |
| 3 Bedroom | $160,000 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $192,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $387,000 | $350,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $730 |
| Superior Protection Discount | -$88 | $792 |
| Fire & Security Discount | -$62 | $818 |
| Hail Resistant Roof Discount | -$26 | $853 |
| Newly Constructed Home Discount | -$220 | $660 |
| 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 |
| Perry County | $700 | $869 | $1,569 | $631 | $1,331 | $237 |
| Perry County, MO | $2,000 | $869 | $2,869 | $631 | $2,631 | $237 |
| St. Marys, MO | $100 | $1,122 | $1,222 | $816 | $916 | $307 |
| Beauvais, MO | $1,000 | $1,035 | $2,035 | $752 | $1,752 | $283 |
| Steeleville, IL | $200 | $640 | $840 | $465 | $665 | $175 |
| Jackson, MO | $700 | $786 | $1,486 | $571 | $1,271 | $215 |
| De Soto, IL | $400 | $608 | $1,008 | $442 | $842 | $166 |
| Ironton, MO | $1,500 | $872 | $2,372 | $634 | $2,134 | $238 |
| Scott County, MO | $100 | $908 | $1,008 | $660 | $760 | $248 |
| Marion, IL | $2,500 | $631 | $3,131 | $459 | $2,959 | $173 |
| Valmeyer, IL | $200 | $806 | $1,006 | $586 | $786 | $220 |
| Valle, MO | $1,500 | $828 | $2,328 | $602 | $2,102 | $226 |
| Home Insurance Company Perry County, MO | Homeowners Insurance Agency Perry County, MO | Address | Popularity Score | Distance from Perry County (miles) |
|---|---|---|---|---|
| Travelers | Wright Financial Inc | 1108 N Truman Blvd, Crystal City, MO, 63019 | 48.0 | |
| State Farm | Stuart Beussink | 301 High St, Marble Hill, MO, 63764-9111 | 29.4 | |
| State Farm | Denny Long | 1185 Scenic Dr Ste 149, Herculaneum, MO, 63048-1433 | 49.8 | |
| Farmers | Valerie Michelsen | 2135 William St, Cape Girardeau, MO, 63703 | 31.4 | |
| State Farm | Louie Lucas | 712 E Main St Ste A, Park Hills, MO, 63601-2733 | 39.4 | |
| Liberty Mutual Independent | W E Walker - Lakenan Llc | 117 S Broadview St, Cape Girardeau, MO, 63703 | 31.1 | |
| State Farm | Jerry Grindstaff | 1147 E Gannon Dr, Festus, MO, 63028-2611 | 47.5 | |
| Allstate | Kathy Darby | 1301 N Kingshighway St Ste B, Cape Girardeau, MO, 63701 | 29.7 | |
| State Farm | Jim Sowers | 910 Benham St, Bonne Terre, MO, 63628-1306 | 43.0 | |
| State Farm | Laurie Ebeling | 207 Plaza Dr Ste D, Ste Genevieve, MO, 63670-1865 | 22.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $770 | $1,530 | $760 |
| Perry County, MO | $131,900 | $879 | $590 | $1,220 | $630 |
| Perry County, MO | $131,900 | $879 | $600 | $1,250 | $650 |
| St. Marys, MO | $165,700 | $1,136 | $830 | $1,580 | $750 |
| Beauvais, MO | $132,200 | $1,048 | $770 | $1,450 | $680 |
| Steeleville, IL | $99,600 | $648 | $470 | $920 | $450 |
| Jackson, MO | $158,900 | $796 | $560 | $1,110 | $550 |
| De Soto, IL | $89,900 | $615 | $440 | $850 | $410 |
| Ironton, MO | $83,000 | $883 | $610 | $1,250 | $640 |
| Scott County, MO | $103,300 | $919 | $620 | $1,300 | $680 |
| Marion, IL | $111,600 | $639 | $440 | $910 | $470 |
| Valmeyer, IL | $162,800 | $816 | $580 | $1,160 | $580 |
| Valle, MO | $115,700 | $838 | $570 | $1,160 | $590 |