Gavop's guide to buying homeowners insurance in St. James, 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 |
|---|---|---|---|
| 1 Bedroom | $39,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $94,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $128,500 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $125,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $137,500 | $110,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $582 |
| Superior Protection Discount | -$65 | $654 |
| Fire & Security Discount | -$58 | $662 |
| Hail Resistant Roof Discount | -$14 | $705 |
| Newly Constructed Home Discount | -$165 | $554 |
| 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 |
| Mississippi County | $1,000 | $701 | $1,701 | $510 | $1,510 | $192 |
| St. James, MO | $2,000 | $710 | $2,710 | $516 | $2,516 | $194 |
| Ohio, MO | $500 | $670 | $1,170 | $487 | $987 | $183 |
| Cayce, KY | $500 | $785 | $1,285 | $571 | $1,071 | $215 |
| Arlington, KY | $500 | $651 | $1,151 | $473 | $973 | $178 |
| Clinton, KY | $1,500 | $640 | $2,140 | $465 | $1,965 | $175 |
| Godair, MO | $500 | $911 | $1,411 | $662 | $1,162 | $249 |
| McClure, IL | $2,000 | $474 | $2,474 | $345 | $2,345 | $130 |
| Home Insurance Company St. James, MO | Homeowners Insurance Agency St. James, MO | Address | Popularity Score | Distance from St. James (miles) |
|---|---|---|---|---|
| Travelers | Mitchell Insurance | P O Box 10, Sikeston, MO, 63801 | 13.2 | |
| Travelers | Golden Rule Insurance Associates | 2102 E Blvd, Jackson, MO, 63755 | 42.8 | |
| State Farm | Stuart Beussink | 301 High St, Marble Hill, MO, 63764-9111 | 48.5 | |
| Travelers | Golden Rule Insurance Associates | 2102 E Jackson Blvd, Jackson, MO, 63755 | 42.7 | |
| Farmers | Tom Smith | 1928 Golden Eagle Ct Ste 3, Cape Girardeau, MO, 63701 | 39.4 | |
| Travelers | Self Insurance Agency | 2201 E Malone Ave, Sikeston, MO, 63801 | 11.9 | |
| Travelers | Self Insurance Agency | 2201 E Malone, Sikeston, MO, 63801 | 11.8 | |
| Farmers | Bard Womack | 1720 Kings Way Dr Unit 104, Cape Girardeau, MO, 63701 | 38.9 | |
| Farmers | Lance Inman | 808 Speciality Dr Ste C, Dexter, MO, 63841 | 32.8 | |
| State Farm | Greg Comer | 225 S Main St, Sikeston, MO, 63801-3033 | 12.9 |
| 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 | $1,490 | $720 |
| Mississippi County, MO | $73,400 | $710 | $510 | $1,000 | $490 |
| St. James, MO | $76,000 | $719 | $510 | $1,000 | $490 |
| Ohio, MO | $37,500 | $678 | $490 | $960 | $470 |
| Cayce, KY | $102,300 | $795 | $560 | $1,090 | $530 |
| Arlington, KY | $71,800 | $659 | $470 | $930 | $460 |
| Clinton, KY | $69,600 | $648 | $440 | $900 | $460 |
| Godair, MO | $93,300 | $922 | $650 | $1,310 | $660 |
| McClure, IL | $57,200 | $480 | $340 | $680 | $340 |