St. Joseph, MO Homeowners Insurance - How To Buy Guide

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

Bundle your St. Joseph, MO Auto & Home Insurance from the Same Company | Back to Top

St. Joseph, MO Car Insurance St. Joseph, MO Home Insurance
Details Audi, Q7 TDI Prestige 4 Beds, 1 Baths, 3320 Square Feet worth $322000
Insurance Rates Individually $1,957.30 $7680
Savings from buying both from the same company $1,541.97

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
Missouri $100 $560 $660 $460 $560 $100
Buchanan County, MO $1,500 $440 $940 $380 $1,880 $-940
St. Joseph, MO $2,500 $500 $1,000 $420 $2,920 $-1,920
Amazonia, MO $400 $290 $690 $240 $640 $50
Gower, MO $2,500 $480 $980 $400 $2,900 $-1,920
Wolf River, KS $500 $220 $720 $180 $680 $40
Camden, MO $1,500 $440 $940 $380 $1,880 $-940
Hickory, MO $500 $470 $970 $400 $900 $70
Liberty, MO $1,000 $820 $1,320 $700 $1,700 $-380
Preston, NE $100 $350 $450 $290 $390 $60
North Kansas City, MO $1,500 $560 $1,060 $460 $1,960 $-900
Corning, MO $400 $80 $480 $70 $470 $10
Pickering, MO $1,000 $210 $710 $170 $1,170 $-460

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

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Missouri $138,400 $650 $450 $890 $440
Buchanan County, MO $108,300 $610 $410 $840 $430
St. Joseph, MO $99,800 $490 $350 $690 $340
Amazonia, MO $73,800 $360 $260 $500 $240
Gower, MO $124,300 $610 $440 $840 $400
Wolf River, KS $51,700 $240 $190 $320 $130
Camden, MO $88,000 $480 $340 $660 $320
Hickory, MO $83,900 $380 $270 $540 $270
Liberty, MO $183,300 $920 $660 $1,260 $600
Preston, NE $75,000 $410 $290 $570 $280
North Kansas City, MO $120,800 $620 $420 $870 $450
Corning, MO $22,500 $100 $70 $140 $70
Pickering, MO $56,100 $250 $180 $340 $160

Research Home Insurance Companies Reviews in St. Joseph, MO Before Buying | Back to Top

Share a review on your home insurance company


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.

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.

State Farm Home Insurance Reviews

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