Gavop's guide to buying homeowners insurance in Barnhart, 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.
| Barnhart, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Metropolitan Blvd, Stone Ridge Ct, Monticello Dr, Fairfax Ct, Hillside Dr, Wontour Rd, Mulberry Rd, Sun Valley Dr, Creekstone Dr, Sunny Dr | $167,500 | $150,000 | $150,000-$175,000 | $149,500 | $130,000 | $125,000-$150,000 |
| Cooper Rd, Fox Hollow, Burgess, W 3rd St, Wedge St, Apple Tree Hill, Wilderness Trl, Engle Creek Rd, Blackberry, Michael Dr | $152,500 | $130,000 | $125,000-$150,000 | $188,000 | $160,000 | $150,000-$175,000 |
| Circle St, Crossroads Rd, Misty Mountain Ct, Spalding Ct, Reece Dr, Broad St, Wise Rd, Lake View Dr, Chardonnay Ct, Quiet Ln | $134,500 | $120,000 | $125,000-$150,000 | $183,000 | $160,000 | $200,000-$250,000 |
| Meriweather Ct, Oak Hill Ter, White Rd, Front St, Palmer Rd, Maple Dr, Long St, Dipple Ln, Wiggins Dr, Windsong Trl | $170,500 | $150,000 | $175,000-$200,000 | $228,000 | $200,000 | $200,000-$250,000 |
| Jenny Lee Dr, Hoover Ln, Well Dr, Valley Creek Pkwy, St Louis St, Reisliing Ln, Eagles Nest Rd, Wood St, Dandridge Ln, Bayberry Ln | $169,000 | $160,000 | $175,000-$200,000 | $229,000 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$163 | $741 |
| Superior Protection Discount | -$90 | $813 |
| Fire & Security Discount | -$90 | $813 |
| Hail Resistant Roof Discount | -$18 | $886 |
| Newly Constructed Home Discount | -$244 | $660 |
| 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 |
| Jefferson County | $700 | $1,017 | $1,717 | $739 | $1,439 | $278 |
| Barnhart, MO | $2,500 | $893 | $3,393 | $649 | $3,149 | $244 |
| Herculaneum, MO | $500 | $1,087 | $1,587 | $790 | $1,290 | $297 |
| High Ridge, MO | $1,500 | $900 | $2,400 | $654 | $2,154 | $246 |
| Affton, MO | $500 | $888 | $1,388 | $645 | $1,145 | $243 |
| Calvey, MO | $700 | $886 | $1,586 | $644 | $1,344 | $242 |
| Clarkson Valley, MO | $100 | $2,772 | $2,872 | $2,015 | $2,115 | $758 |
| Canteen, IL | $2,500 | $825 | $3,325 | $600 | $3,100 | $226 |
| Augusta, MO | $300 | $1,128 | $1,428 | $820 | $1,120 | $308 |
| Ste. Genevieve, MO | $700 | $897 | $1,597 | $652 | $1,352 | $245 |
| Rivers, MO | $200 | $796 | $996 | $578 | $778 | $217 |
| St. Libory, IL | $2,500 | $704 | $3,204 | $512 | $3,012 | $193 |
| Home Insurance Company Barnhart, MO | Homeowners Insurance Agency Barnhart, MO | Address | Popularity Score | Distance from Barnhart (miles) |
|---|---|---|---|---|
| Farmers | Craig Berry | 15332 Manchester Rd Ste 211, Ballwin, MO, 63011 | 19.5 | |
| Travelers | Comfort Insurance Agency | 720 Jeffco Blvd, Arnold, MO, 63010 | 8.1 | |
| State Farm | Troy Pieper | 16168 Westwood Bus Park Dr, Ellisville, MO, 63021-4500 | 20.0 | |
| Allstate | Daniel Zinselmeier | 53 Nationalway Shopping Ctr, Ballwin, MO, 63011 | 18.5 | |
| State Farm | Hugh Bissell | 10807 Big Bend Rd, Kirkwood, MO, 63122-6054 | 15.9 | |
| Travelers | Dierker Knobbe Insurance Services | 3522 Lemay Ferry Road, St Louis, MO, 63125 | 12.9 | |
| State Farm | Travis Hesser | 13603 Barrett Of Dr Ste 102, Ballwin, MO, 63021-7828 | 18.2 | |
| Travelers | Kirnco Insurance Group | 14394 Manchester Rd Ste 200, Manchester, MO, 63011 | 18.7 | |
| State Farm | Lou Kilo | 5151 Mattis Road, St Louis, MO, 63128-2775 | 12.0 | |
| State Farm | Hardy Washington Jr | 800 S Kirkwood Rd, Kirkwood, MO, 63122-6015 | 16.1 |
| 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 |
| Jefferson County, MO | $154,100 | $1,030 | $700 | $1,460 | $760 |
| Barnhart, MO | $142,300 | $904 | $610 | $1,280 | $670 |
| Herculaneum, MO | $151,400 | $1,100 | $780 | $1,530 | $750 |
| High Ridge, MO | $145,600 | $911 | $650 | $1,260 | $610 |
| Affton, MO | $140,200 | $899 | $650 | $1,250 | $600 |
| Calvey, MO | $139,400 | $897 | $620 | $1,260 | $640 |
| Clarkson Valley, MO | $614,400 | $2,806 | $1,880 | $3,840 | $1,960 |
| Canteen, IL | $56,800 | $835 | $590 | $1,160 | $570 |
| Augusta, MO | $168,200 | $1,142 | $780 | $1,590 | $810 |
| Ste. Genevieve, MO | $144,100 | $908 | $660 | $1,280 | $620 |
| Rivers, MO | $164,700 | $806 | $590 | $1,100 | $510 |
| St. Libory, IL | $120,400 | $713 | $490 | $980 | $490 |