How Can I Make My Clayton, MO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Clayton, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Clayton, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $107,500 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $196,500 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $402,500 | $380,000 | $400,000-$500,000 |
| 4 Bedroom | $563,000 | $490,000 | $500,000-$600,000 |
| 5 Bedroom | $850,500 | $770,000 | $800,000-$900,000 |
Estimate your Savings with Home Insurance Discounts in Clayton, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$245 | $1,116 |
| Superior Protection Discount | -$122 | $1,238 |
| Fire & Security Discount | -$95 | $1,266 |
| Hail Resistant Roof Discount | -$27 | $1,334 |
| Newly Constructed Home Discount | -$367 | $993 |
Choose the Right Deductible for your Clayton, 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 |
| St. Louis County | $1,000 | $1,077 | $2,077 | $783 | $1,783 | $294 |
| Clayton, MO | $1,000 | $1,345 | $2,345 | $977 | $1,977 | $367 |
| Bel-Nor, MO | $100 | $1,017 | $1,117 | $739 | $839 | $278 |
| East Carondelet, IL | $1,000 | $425 | $1,425 | $309 | $1,309 | $116 |
| Castle Point, MO | $100 | $798 | $898 | $580 | $680 | $218 |
| Wildhorse, MO | $1,000 | $927 | $1,927 | $673 | $1,673 | $253 |
| Millstadt, IL | $500 | $751 | $1,251 | $546 | $1,046 | $205 |
| Lenzburg, IL | $1,500 | $786 | $2,286 | $572 | $2,072 | $215 |
| Fayetteville, IL | $500 | $750 | $1,250 | $545 | $1,045 | $205 |
| Red Bud, IL | $2,000 | $757 | $2,757 | $550 | $2,550 | $207 |
| Lake Ka-Ho, IL | $300 | $450 | $750 | $327 | $627 | $123 |
| Pinckney, MO | $2,500 | $1,322 | $3,822 | $961 | $3,461 | $361 |
Identify Top Home Insurance Agents near Clayton, MO | Back to Top
| Home Insurance Company Clayton, MO | Homeowners Insurance Agency Clayton, MO | Address | Popularity Score | Distance from Clayton (miles) |
|---|---|---|---|---|
| Travelers | Meadow Park Insurance Agency | 8510 Olive Blvd, St Louis, MO, 63132 | 3.1 | |
| Travelers | Graves Insurance Group | 10097 Manchester Rd Ste 100, St Louis, MO, 63122 | 2.2 | |
| Travelers | Partners Insurance Inc | 9201 Watson Rd Ste 222, St Louis, MO, 63126 | 4.9 | |
| Travelers | Global Green Insurance Agency | 995 Cool Springs Industrial Dr, Ofallon, MO, 63366 | 20.9 | |
| Travelers | Dewitt Insurance | 1011 Howard George Dr, Manchester, MO, 63021 | 7.9 | |
| State Farm | Ryan Vardeman | 12287 Olive Blvd, Creve Coeur, MO, 63141-6630 | 5.4 | |
| State Farm | Tom Wehde | 14540 Manchester Rd, Manchester, MO, 63011-3959 | 8.7 | |
| State Farm | Tom Grate | 2113 Bentley Plz, Fenton, MO, 63026-2124 | 9.5 | |
| State Farm | Dan Drissell | 105 Chesterfield Business Pkwy, Chesterfield, MO, 63005-1233 | 13.6 | |
| Allstate | Scott Foelsch | 2111 Bentley Plz Ste 202, Fenton, MO, 63026 | 9.5 |
Compare Rates for Clayton, 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 | $780 | $1,540 | $760 |
| St. Louis County, MO | $181,100 | $1,090 | $770 | $1,490 | $720 |
| Clayton, MO | $389,700 | $1,361 | $930 | $1,880 | $950 |
| Bel-Nor, MO | $125,700 | $1,029 | $730 | $1,470 | $740 |
| East Carondelet, IL | $46,700 | $430 | $290 | $610 | $320 |
| Castle Point, MO | $64,800 | $808 | $540 | $1,120 | $580 |
| Wildhorse, MO | $247,700 | $938 | $680 | $1,280 | $600 |
| Millstadt, IL | $211,800 | $760 | $550 | $1,080 | $530 |
| Lenzburg, IL | $153,200 | $796 | $580 | $1,130 | $550 |
| Fayetteville, IL | $137,500 | $759 | $550 | $1,080 | $530 |
| Red Bud, IL | $140,300 | $766 | $510 | $1,080 | $570 |
| Lake Ka-Ho, IL | $51,800 | $455 | $300 | $630 | $330 |
| Pinckney, MO | $256,300 | $1,338 | $910 | $1,910 | $1,000 |
Research Home Insurance Companies Reviews in Clayton, MO Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: April 05, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I like many policies that I have seen in the insurance company of my home as there are positive and negative things for which I would really like to do several things and I am very satisfied
Date: December 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I can't say I'm satisfied or unsatisfied, since I don't rightly have any experience in the area.
Date: November 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I do believe I have a better rate for my coverage than most other insurance companies. I have gotten quotes from Geico, Allstate, and a few others and my quotes were higher pay than what I am paying now.
Allstate Home Insurance Reviews
Date: January 15, 2020 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
The customer service department is helpful and friendly. I don't really like dealing with customer service generally, but theirs isn't so bad.
Date: January 13, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I always seem to have a problem with Allstate's customer service. There is extremely long hold-times whenever I try to get a hold of anybody. They never seem to write my information down, I'm constantly giving them the same information over and over again even though I've been a longtime customer. Very incompetent and their customer service reps have been rude to me on more than one occasion. They are not helpful at all.
Shelter Home Insurance Reviews
Date: September 23, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
We have not had much experience comparing to other insurance providers. From what I have been able to tell with our insurance provider, the offerings are comparable if not superior to other insurance company policy offerings.
Date: July 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
The customer service for this company is absolutely great. They work through both the website, phone, and email if you are not in the office in person.
GEICO Home Insurance Reviews
Date: December 29, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
The policy that I have is the cheapest out of all the insurance companies. I compared all the companies and Geico gave me the best policy for a cheaper price.
Date: October 17, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Website/App
I like that at any given moment I can go on the app and see what my policy terms/coverage include. I can also retrieve id cards there.
AAA Home Insurance Reviews
Date: December 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I called AAA customer service once. They were friendly and definitely answered my questions. Also the wait was not long which I appreciated.
Liberty Mutual Home Insurance Reviews
Date: July 09, 2019 Age: 50 to 59 Gender: Married Marital Status: Female
Policy Offerings
I think there's little variety or offerings, yet they could exist- I just don't know about them. I believe the offerings from them are limited.
Amica Mutual Insurance Home Insurance Reviews
Date: February 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
Amica offers several different products. I have my vehicle insured with Amica and was considering life insurance through the company as well.
Farmer's Insurance Home Insurance Reviews
Date: July 17, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I did some comparison shopping before I choose Farmer's Insurance as a home insurance company but at that time (about 14 years ago) they were cheaper for my home value of $125K so I went with them.