How Can I Make My St. Louis, MO Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in St. Louis, MO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your St. Louis, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $51,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $155,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $111,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $246,500 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $145,000 | $140,000 | $125,000-$150,000 |
Bundle your St. Louis, MO Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$69 | $791 |
| Home and Two Car | -$137 | $722 |
| Home and Three Car | -$198 | $662 |
Choose the Right Deductible for your St. Louis, 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 |
| Webster Groves | $1,500 | $955 | $2,455 | $694 | $2,194 | $261 |
| St. Louis, MO | $2,500 | $849 | $3,349 | $617 | $3,117 | $232 |
| Edwardsville, IL | $300 | $848 | $1,148 | $616 | $916 | $232 |
| Imperial, MO | $1,500 | $801 | $2,301 | $582 | $2,082 | $219 |
| Otterville, IL | $100 | $581 | $681 | $422 | $522 | $159 |
| Festus, MO | $2,500 | $855 | $3,355 | $621 | $3,121 | $234 |
| Sugar Creek, IL | $500 | $681 | $1,181 | $495 | $995 | $186 |
| Chain of Rocks, MO | $2,500 | $1,144 | $3,644 | $831 | $3,331 | $313 |
| Moscow Mills, MO | $400 | $786 | $1,186 | $572 | $972 | $215 |
| Plum Hill, IL | $2,500 | $794 | $3,294 | $577 | $3,077 | $217 |
| Coulterville, IL | $300 | $571 | $871 | $415 | $715 | $156 |
Identify Top Home Insurance Agents near St. Louis, MO | Back to Top
| Home Insurance Company St. Louis, MO | Homeowners Insurance Agency St. Louis, MO | Address | Popularity Score | Distance from St. Louis (miles) |
|---|---|---|---|---|
| State Farm | Lacey Mitchell | 326 N Euclid Ave Ste 2n, Saint Louis, MO, 63108-1225 | 1.1 | |
| State Farm | Sandy Kessler | 17539 Chesterfield Airport Rd, Chesterfield, MO, 63005-1301 | 20.2 | |
| Travelers | Star Insurance Agency Inc | 8 The Pines Ct, St Louis, MO, 63141 | 14.0 | |
| Travelers | Partners Insurance Inc | 9201 Watson Rd Ste 222, St Louis, MO, 63126 | 8.7 | |
| Liberty Mutual Independent | Midwest Agency | 8917 Veterans Memorial Pkwy O Fallon, O'Fallon, MO, 63366 | 27.5 | |
| Travelers | The Lavigne Group | 9849 Manchester Rd Ste 3, St Louis, MO, 63119 | 7.4 | |
| Farmers | Christopher Kamper | 723 E Booneslick Rd, Warrenton, MO, 63380 | 49.8 | |
| Allstate | Daniel Zinselmeier | 53 Nationalway Shopping Ctr, Ballwin, MO, 63011 | 14.7 | |
| State Farm | Fred Maloy | 11327 Gravois Rd Ste 101, Sappington, MO, 63126-3657 | 9.7 | |
| State Farm | Hardy Washington Jr | 800 S Kirkwood Rd, Kirkwood, MO, 63122-6015 | 9.9 |
Compare Rates for St. Louis, 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 | $750 | $1,550 | $800 |
| Webster Groves, MO | $265,200 | $966 | $650 | $1,340 | $690 |
| St. Louis, MO | $123,800 | $859 | $580 | $1,210 | $630 |
| Edwardsville, IL | $199,600 | $858 | $630 | $1,230 | $600 |
| Imperial, MO | $168,000 | $811 | $560 | $1,140 | $580 |
| Otterville, IL | $82,700 | $588 | $400 | $830 | $430 |
| Festus, MO | $126,100 | $865 | $580 | $1,220 | $640 |
| Sugar Creek, IL | $164,400 | $689 | $470 | $970 | $500 |
| Chain of Rocks, MO | $175,000 | $1,158 | $800 | $1,630 | $830 |
| Moscow Mills, MO | $62,000 | $796 | $540 | $1,130 | $590 |
| Plum Hill, IL | $157,000 | $804 | $590 | $1,120 | $530 |
| Coulterville, IL | $80,200 | $578 | $390 | $800 | $410 |
Research Home Insurance Companies Reviews in St. Louis, MO Before Buying | Back to Top
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AAA Home Insurance Reviews
Date: October 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: October 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: September 22, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 26, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 15, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: June 19, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: June 15, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: March 11, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Liberty Mutual Home Insurance Reviews
Date: December 30, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 02, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: September 20, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: July 28, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: May 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
State Farm Home Insurance Reviews
Date: January 01, 2019 Age: Above 60 Gender: Male Marital Status: Married
Date: December 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: November 29, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Progressive Home Insurance Reviews
Date: February 09, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Allstate Home Insurance Reviews
Date: October 22, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Shelter Home Insurance Reviews
Date: March 27, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Amica Mutual Insurance Home Insurance Reviews
Date: December 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married