Gavop tells you how to get the best homeowners insurance in Pacific, MO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $106,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $138,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $235,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $266,500 | $240,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $769 |
| Superior Protection Discount | -$81 | $814 |
| Fire & Security Discount | -$63 | $832 |
| Hail Resistant Roof Discount | -$18 | $877 |
| Newly Constructed Home Discount | -$206 | $689 |
| 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 | $2,500 | $1,024 | $3,524 | $744 | $3,244 | $280 |
| Pacific, MO | $700 | $884 | $1,584 | $642 | $1,342 | $242 |
| Central, MO | $100 | $1,053 | $1,153 | $765 | $865 | $288 |
| Dardenne, MO | $1,000 | $865 | $1,865 | $628 | $1,628 | $236 |
| Joachim, MO | $100 | $911 | $1,011 | $662 | $762 | $249 |
| Fults, IL | $1,000 | $596 | $1,596 | $433 | $1,433 | $163 |
| Richwood, IL | $500 | $697 | $1,197 | $506 | $1,006 | $190 |
| Owensville, MO | $1,000 | $870 | $1,870 | $633 | $1,633 | $238 |
| Grayhawk, MO | $1,000 | $887 | $1,887 | $645 | $1,645 | $242 |
| Hurricane, MO | $500 | $1,041 | $1,541 | $757 | $1,257 | $285 |
| Foster, IL | $1,500 | $865 | $2,365 | $629 | $2,129 | $237 |
| Home Insurance Company Pacific, MO | Homeowners Insurance Agency Pacific, MO | Address | Popularity Score | Distance from Pacific (miles) |
|---|---|---|---|---|
| State Farm | Kelly Ruby | 54 The Legends Pkwy Ste 159, Eureka, MO, 63025-3803 | 6.8 | |
| Farmers | Chris Yettke | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 20.7 | |
| State Farm | Phil Hamilton | 1585 Kisker Rd Ste D, Saint Peters, MO, 63304-0611 | 19.5 | |
| Farmers | Craig Berry | 15332 Manchester Rd Ste 211, Ballwin, MO, 63011 | 13.0 | |
| Travelers | All Insurance Llc | 4620 S St Peters Parkway, St Charles, MO, 63304 | 19.4 | |
| Farmers | Brian Hermann | 120 N Central Ave, Eureka, MO, 63025 | 7.0 | |
| Liberty Mutual Independent | Dan Alabach Group | 100 Chesterfield Business Pkwy Ste 200, Chesterfield, MO, 63005 | 14.7 | |
| State Farm | Dan Stegmann | 317 Clarkson Rd Ste 103, Ellisville, MO, 63011-2271 | 12.4 | |
| State Farm | Jan Grafeman | #1 Grandview Plaza Office Complex Suite 1, Florissant, MO, 63033 | 32.0 | |
| Liberty Mutual Independent | Sailor & Associates | 10371 West Florissant, St Louis, MO, 63136 | 32.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,490 | $740 |
| Franklin County, MO | $156,800 | $1,036 | $700 | $1,420 | $720 |
| Pacific, MO | $138,200 | $895 | $640 | $1,230 | $590 |
| Central, MO | $138,900 | $1,066 | $760 | $1,470 | $710 |
| Dardenne, MO | $207,700 | $875 | $600 | $1,230 | $630 |
| Joachim, MO | $150,700 | $922 | $650 | $1,280 | $630 |
| Fults, IL | $86,700 | $603 | $430 | $840 | $410 |
| Richwood, IL | $117,600 | $705 | $510 | $990 | $480 |
| Owensville, MO | $82,300 | $881 | $630 | $1,210 | $580 |
| Grayhawk, MO | $86,900 | $898 | $610 | $1,230 | $620 |
| Hurricane, MO | $134,300 | $1,054 | $760 | $1,470 | $710 |
| Foster, IL | $194,600 | $876 | $620 | $1,240 | $620 |