Gavop's guide to buying homeowners insurance in St. Francois County, 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.
| St. Francois County, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Old Logging Rd, State Hwy H, Main St, Westwood Dr, Flemings St, Jennings Rd, N Caleb, State Rd T, Grolin Dr, Newcomer Ln | $162,000 | $130,000 | $150,000-$175,000 | $100,000 | $90,000 | $75,000-$100,000 |
| River Bluff Farm Rd, Mohican Dr, Lake Circle Dr, Sherwood Dr, Laws Dr, Lacy Ct, Westmeyer Rd, Falcon St, Loughbourgh St, Rouggly Meadows | $81,000 | $70,000 | $75,000-$100,000 | $66,000 | $50,000 | $75,000-$100,000 |
| Chat Rd, Market St, Alley Dr, Buckner Ave, US Hwy 67 Bus, Old Vandergriff Rd, Hillcrest Dr, Lafitte Dr, Ridgeway Dr, Watson Rd | $144,500 | $130,000 | $150,000-$175,000 | $73,000 | $60,000 | $75,000-$100,000 |
| Quiet Ln, Zion Ct, Center Dr, 6th St, Houser, Beartooth Ridge, Middle Dr, W 3rd St, Victoria, Oakleaf Dr | $143,000 | $130,000 | $125,000-$150,000 | $91,000 | $80,000 | $75,000-$100,000 |
| McMullin, Hazel St, River St, Rolla Dr, Brown St, Eagle St, N Franklin St, Marler Rd, Avon St, Dove | $113,000 | $90,000 | $125,000-$150,000 | $99,000 | $90,000 | $75,000-$100,000 |
| Nager Aly, Rue Therese, Rue Dauphine, State Hwy B, Doubet Rd, Barnes Rd, Blair St, Imperial Dr, Taylor Ave, Kings Rd | $215,500 | $170,000 | $200,000-$250,000 | $114,000 | $110,000 | $100,000-$125,000 |
| Bradford Ct, Primrose Dr, Sutton, McCaleb Memorial Park Dr, Worley Rd, S State St, Wells Ln, State Hwy W, W Columbia St, Traci Turn | $109,500 | $100,000 | $100,000-$125,000 | $102,000 | $90,000 | $75,000-$100,000 |
| Vandergriff St, E Woodlawn Dr, Donna Dr, Spring St, Garrett St, Gillespie Rd, Iris Ln, Cherry Creek Ln, Groom Rd, Elm Dr | $179,500 | $150,000 | $150,000-$175,000 | $150,000 | $120,000 | $150,000-$175,000 |
| N Loretta Ct, Starlight Dr, E Center St, del Dr, Doris Dr, Pennsylvania St, Vineyard St, Blue Bird Ln, Wappapello Ln, Hwy Y | $167,500 | $150,000 | $125,000-$150,000 | $126,000 | $120,000 | $125,000-$150,000 |
| Hwy CC, E South St, Kings Court Rd, Vandiver Ct, West Rd, Minda Ray Ct, Gifford St, Springwood Ln, E College St, Cole St | $185,500 | $170,000 | $150,000-$175,000 | $86,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $800 |
| Superior Protection Discount | -$94 | $847 |
| Fire & Security Discount | -$85 | $856 |
| Hail Resistant Roof Discount | -$28 | $913 |
| Newly Constructed Home Discount | -$216 | $724 |
| 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 |
| St. Francois County | $1,500 | $930 | $2,430 | $675 | $2,175 | $254 |
| St. Francois County, MO | $1,500 | $930 | $2,430 | $675 | $2,175 | $254 |
| Terre du Lac, MO | $300 | $1,064 | $1,364 | $773 | $1,073 | $291 |
| St. Mary, MO | $500 | $832 | $1,332 | $605 | $1,105 | $227 |
| Twelvemile, MO | $2,000 | $1,042 | $3,042 | $757 | $2,757 | $285 |
| Des Arc, MO | $300 | $752 | $1,052 | $546 | $846 | $205 |
| Courtois, MO | $700 | $871 | $1,571 | $633 | $1,333 | $238 |
| Calvey, MO | $200 | $886 | $1,086 | $644 | $844 | $242 |
| Tesson Ferry, MO | $2,500 | $880 | $3,380 | $640 | $3,140 | $241 |
| Wayne County, MO | $100 | $699 | $799 | $508 | $608 | $191 |
| Lemay, MO | $1,500 | $962 | $2,462 | $699 | $2,199 | $263 |
| Home Insurance Company St. Francois County, MO | Homeowners Insurance Agency St. Francois County, MO | Address | Popularity Score | Distance from St. Francois County (miles) |
|---|---|---|---|---|
| Farmers | Dennis Hovis | 400 S Main St, Piedmont, MO, 63957 | 47.1 | |
| Travelers | Siebert Insurance Agency | 520 Gravois Rd, Fenton, MO, 63026 | 48.5 | |
| Farmers | Mindi Montgomery | 120 E College Ave, Fredericktown, MO, 63645 | 20.0 | |
| State Farm | Brian Smith | 309 E Osage St, Pacific, MO, 63069-1623 | 48.6 | |
| Travelers | Premier Insurance Agency | 11400 Concord Village Ave. Suite D, St Louis, MO, 63123 | 49.7 | |
| Liberty Mutual Independent | Insurance Consultants Inc | 12722 Weber Hill Road, St. Louis, MO, 63127 | 49.7 | |
| Allstate | Michael Cassara | 536 Old Smizer Mill Rd, Fenton, MO, 63026 | 48.6 | |
| Travelers | Dierker Knobbe Insurance Services | 3522 Lemay Ferry Road, St Louis, MO, 63125 | 49.1 | |
| State Farm | Laurie Ebeling | 207 Plaza Dr Ste D, Ste Genevieve, MO, 63670-1865 | 25.3 | |
| Allstate | Scott Foelsch | 2111 Bentley Plz Ste 202, Fenton, MO, 63026 | 49.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $780 | $1,510 | $730 |
| St. Francois County, MO | $110,200 | $941 | $680 | $1,340 | $660 |
| St. Francois County, MO | $110,200 | $941 | $640 | $1,290 | $650 |
| Terre du Lac, MO | $142,600 | $1,077 | $740 | $1,500 | $760 |
| St. Mary, MO | $72,600 | $842 | $610 | $1,190 | $580 |
| Twelvemile, MO | $134,800 | $1,055 | $730 | $1,460 | $730 |
| Des Arc, MO | $54,200 | $761 | $550 | $1,040 | $490 |
| Courtois, MO | $82,600 | $882 | $640 | $1,210 | $570 |
| Calvey, MO | $139,400 | $897 | $650 | $1,280 | $630 |
| Tesson Ferry, MO | $217,800 | $891 | $650 | $1,230 | $580 |
| Wayne County, MO | $72,700 | $707 | $520 | $980 | $460 |
| Lemay, MO | $120,700 | $973 | $700 | $1,340 | $640 |