How Can I Make My St. Joseph, MO Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in St. Joseph, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your St. Joseph, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $35,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $98,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $84,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $143,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $101,000 | $80,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in St. Joseph, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$176 | $750 |
| Superior Protection Discount | -$83 | $843 |
| Fire & Security Discount | -$83 | $843 |
| Hail Resistant Roof Discount | -$19 | $908 |
| Newly Constructed Home Discount | -$241 | $686 |
Choose the Right Deductible for your St. Joseph, MO Home | Back to Top
| 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 |
| Buchanan County | $1,500 | $944 | $2,444 | $686 | $2,186 | $258 |
| St. Joseph, MO | $2,500 | $915 | $3,415 | $665 | $3,165 | $250 |
| Amazonia, MO | $400 | $798 | $1,198 | $580 | $980 | $218 |
| Gower, MO | $2,500 | $1,007 | $3,507 | $732 | $3,232 | $275 |
| Wolf River, KS | $500 | $869 | $1,369 | $632 | $1,132 | $238 |
| Camden, MO | $1,500 | $924 | $2,424 | $671 | $2,171 | $252 |
| Hickory, MO | $500 | $880 | $1,380 | $640 | $1,140 | $241 |
| Liberty, MO | $1,000 | $1,099 | $2,099 | $799 | $1,799 | $300 |
| Preston, NE | $100 | $773 | $873 | $561 | $661 | $211 |
| North Kansas City, MO | $1,500 | $1,023 | $2,523 | $743 | $2,243 | $279 |
| Pickering, MO | $1,000 | $744 | $1,744 | $541 | $1,541 | $203 |
Identify Top Home Insurance Agents near St. Joseph, MO | Back to Top
| Home Insurance Company St. Joseph, MO | Homeowners Insurance Agency St. Joseph, MO | Address | Popularity Score | Distance from St. Joseph (miles) |
|---|---|---|---|---|
| Travelers | Sharis Insurance Agency | 105 W Main, Smithville, MO, 64089 | 28.7 | |
| State Farm | Nick Koeteman | 2407 N Woodbine Rd Ste D, Saint Joseph, MO, 64506-3701 | 2.4 | |
| Travelers | Northland Independent Group | 5921 Nw Barry Rd Ste 200 Kansas City, Kansas City, MO, 64154 | 36.6 | |
| State Farm | Laurel Cross | 836 Reed St, Liberty, MO, 64068-2203 | 41.5 | |
| Allstate | Mark Kellison Crabill | 2210 S Belt Hwy Ste C, Saint Joseph, MO, 64503 | 1.4 | |
| State Farm | Joe Janacaro | 5555 Nw Barry Rd Ste C, Kansas City, MO, 64154-1408 | 36.6 | |
| State Farm | Jacob Pratt | 6434 Nw Crooked Rd, Parkville, MO, 64152-3497 | 38.2 | |
| Travelers | Jenkins & James Insurance Agency Inc | 5814 N Oak Trafficway, Gladstone, MO, 64118 | 40.8 | |
| Allstate | Brian Walker | 3817 Frederick Ave # A, Saint Joseph, MO, 64506 | 1.7 | |
| State Farm | Eric Brumback | 2307 N Belt Hwy, Saint Joseph, MO, 64506-2207 | 2.1 |
Compare Rates for St. Joseph, MO Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $790 | $1,490 | $700 |
| Buchanan County, MO | $114,800 | $955 | $680 | $1,330 | $650 |
| St. Joseph, MO | $105,500 | $926 | $640 | $1,290 | $650 |
| Amazonia, MO | $64,600 | $808 | $580 | $1,150 | $570 |
| Gower, MO | $122,600 | $1,019 | $680 | $1,410 | $730 |
| Wolf River, KS | $59,400 | $880 | $690 | $1,190 | $500 |
| Camden, MO | $97,000 | $935 | $630 | $1,340 | $710 |
| Hickory, MO | $85,000 | $891 | $650 | $1,260 | $610 |
| Liberty, MO | $191,800 | $1,112 | $800 | $1,520 | $720 |
| Preston, NE | $67,500 | $782 | $560 | $1,080 | $520 |
| North Kansas City, MO | $128,000 | $1,035 | $730 | $1,470 | $740 |
| Pickering, MO | $52,700 | $753 | $510 | $1,080 | $570 |
Research Home Insurance Companies Reviews in St. Joseph, MO Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: October 15, 2019 Age: Above 60 Gender: Male Marital Status: Unmarried
Customer Service
I have always been covered with home and auto without any complications.
Date: July 03, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
My experience with Progressive has been somewhat satisfactory. They would not sell me insurance with the roof we had at the time and a new roof had to be put on.
State Farm Home Insurance Reviews
Date: October 26, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried
Premium
I'm happy with the premium, but I did see an increase this year. It's not uncommon, but I have to deal with it as it is added to my mortgage payment. It will cause a bit of an increase. The deductible seems reasonable.
Date: December 10, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Our home insurance policy offerings are pretty much identical to any other insurance company but since my parents use State Farm for their insurance I kind of just continued the same way and didn't really think about switching to anyone else because we have a good relationship with our agent. Rating: 5
Liberty Mutual Home Insurance Reviews
Date: October 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
I like that the application is so easy to use. It isn't always asking for useless information or ratings, it just works very well.
Shelter Home Insurance Reviews
Date: January 09, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The premium of my insurance company is reasonable. I have checked another company and my current policy has a lower premium. The deductible is the same.
GEICO Home Insurance Reviews
Date: January 05, 2020 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I would rate my provider as a 4. We had to make an urgent claim once after a flood, and the situation was handled quickly and efficiently. The estimator who met with me was extremely kind and did everything he could to help us.
American Family Insurance Home Insurance Reviews
Date: October 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
I like that I can contact my insurance company via phone or email. Email is more useful since I then have written records and can message them at any time.