Gavop's guide to buying homeowners insurance in Summit, 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 | $59,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $105,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $167,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $172,500 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $340,000 | $300,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $723 |
| Superior Protection Discount | -$79 | $802 |
| Fire & Security Discount | -$79 | $802 |
| Hail Resistant Roof Discount | -$26 | $855 |
| Newly Constructed Home Discount | -$185 | $696 |
| 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 |
| Callaway County | $1,500 | $963 | $2,463 | $700 | $2,200 | $263 |
| Summit, MO | $2,000 | $871 | $2,871 | $633 | $2,633 | $238 |
| Lake Mykee Town, MO | $500 | $1,102 | $1,602 | $801 | $1,301 | $301 |
| Wardsville, MO | $700 | $1,249 | $1,949 | $908 | $1,608 | $341 |
| Cedar, MO | $200 | $1,286 | $1,486 | $935 | $1,135 | $352 |
| Freeburg, MO | $1,500 | $1,107 | $2,607 | $804 | $2,304 | $302 |
| St. Elizabeth, MO | $500 | $1,024 | $1,524 | $744 | $1,244 | $280 |
| Saline, MO | $2,500 | $817 | $3,317 | $593 | $3,093 | $223 |
| Hermann, MO | $100 | $978 | $1,078 | $711 | $811 | $267 |
| Cooper County, MO | $2,000 | $861 | $2,861 | $626 | $2,626 | $235 |
| Rush Hill, MO | $100 | $707 | $807 | $514 | $614 | $193 |
| Saling, MO | $700 | $1,093 | $1,793 | $794 | $1,494 | $299 |
| Home Insurance Company Summit, MO | Homeowners Insurance Agency Summit, MO | Address | Popularity Score | Distance from Summit (miles) |
|---|---|---|---|---|
| State Farm | Lori Branch | 170 W Simon Blvd, Holts Summit, MO, 65043-1050 | 2.4 | |
| State Farm | Trudy Sommers | 1005 Northeast Drive, Jefferson City, MO, 65109-4718 | 5.0 | |
| Travelers | Scott Agency Inc | 408 N Sturgeon St, Montgomery City, MO, 63361 | 41.7 | |
| Travelers | Fred Vogel | 301 Monroe, Jefferson City, MO, 65101 | 3.9 | |
| State Farm | Justin Hahn | 1305 Grindstone Pkwy Ste 109, Columbia, MO, 65201-3752 | 22.6 | |
| State Farm | Jim Kesterson | 1401 Southwest Blvd, Jefferson City, MO, 65109-2484 | 5.4 | |
| Farmers | David Jaeger | 824 Southwest Blvd, Jefferson City, MO, 65109 | 4.9 | |
| Travelers | Graham Insurance Agency | 204 B E 5th St, Fulton, MO, 65251 | 18.5 | |
| Liberty Mutual Independent | Naught-Naught Insurance Agency | 710 Market St, Fulton, MO, 65251 | 18.6 | |
| State Farm | Randy Kaiser | 751 W Stadium Blvd, Jefferson City, MO, 65109-4732 | 5.5 |
| 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 |
| Callaway County, MO | $132,500 | $975 | $660 | $1,380 | $720 |
| Summit, MO | $132,800 | $881 | $640 | $1,240 | $600 |
| Lake Mykee Town, MO | $157,300 | $1,115 | $790 | $1,550 | $760 |
| Wardsville, MO | $222,500 | $1,264 | $860 | $1,760 | $900 |
| Cedar, MO | $239,900 | $1,302 | $920 | $1,780 | $860 |
| Freeburg, MO | $159,300 | $1,120 | $800 | $1,590 | $790 |
| St. Elizabeth, MO | $128,100 | $1,036 | $740 | $1,460 | $720 |
| Saline, MO | $111,200 | $827 | $600 | $1,140 | $540 |
| Hermann, MO | $113,200 | $990 | $670 | $1,420 | $750 |
| Cooper County, MO | $128,900 | $872 | $640 | $1,240 | $600 |
| Rush Hill, MO | $45,000 | $716 | $480 | $1,020 | $540 |
| Saling, MO | $153,600 | $1,106 | $810 | $1,540 | $730 |