Gavop's guide to buying homeowners insurance in Rock, 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.
| Rock, 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 | |
| Canary Dr, Swaller Rd, Sun Valley Cir, Sparrow Point Cir, E Lark Dr, Golden Ct, Haas Ln, Valley Vue, Seebold Spur Ct, Nutmeg Ln | $190,000 | $170,000 | $150,000-$175,000 | $96,500 | $90,000 | $100,000-$125,000 |
| Spyglass Summit Ct, Cardinal Pl, Hawthorn Dr, Lone Oak Dr, Della Dr, Jo Mar Dr, Bettina Dr, Rim Rd, Willow Oak Dr, E Square Dr | $172,500 | $160,000 | $175,000-$200,000 | $138,000 | $130,000 | $100,000-$125,000 |
| Marline Ln, Dillon Rd, Arrowhead Hills Dr, Oakridge Dr, Saline Rd, State Hwy 141, Westminister Abby Ln, Tiffany, Bay Circle Dr, Arbor Ter | $102,000 | $90,000 | $75,000-$100,000 | $118,000 | $100,000 | $100,000-$125,000 |
| Saint Andrew Ct, Timberline Dr, Golden Acres Dr, Oak Bluff Dr, Elmwood Ct, Penny Royal Pl, Woodglen Apartment, Cedar, Blue Springs Dr, Sparrow Point Ln | $123,000 | $110,000 | $125,000-$150,000 | $111,000 | $100,000 | $75,000-$100,000 |
| Pike Trl, Romaine Creek Rd, Madeline Ln, Englewood Cir, Daniels Hill Dr, Shangri la Estates Dr, Cherry Hill Dr, Circle View Dr, Kathy Ct, Riviera Dr | $157,500 | $140,000 | $150,000-$175,000 | $74,500 | $70,000 | $50,000-$75,000 |
| Coil Rd, Sherbrook Dr, Spring Valley Dr, Willow Glen Dr, Belle Dr, Buckboard Ln, Pioneer Dr, Caliph Dr, Beech Ct, Jessica Trl | $117,000 | $100,000 | $100,000-$125,000 | $72,500 | $70,000 | $75,000-$100,000 |
| Wallach Dr, Hill Dr, Roberta Dr, Dogwood Dr, Twin Trails Dr, San Lorenzo Ct, Shady Ln, W Lakewood Dr, Apache Trl, Kharity Ln | $119,000 | $100,000 | $125,000-$150,000 | $75,500 | $70,000 | $75,000-$100,000 |
| Water Tower Rd, Margaret Dr, Redbriar Dr, Main Dr, Garnet Dr, Saline Pt, Elijah, Big Sky Dr, Westwood Dr, Woodland Ln | $125,000 | $110,000 | $125,000-$150,000 | $64,000 | $60,000 | $75,000-$100,000 |
| High Cliff Dr, Romaine Creek Rd, Harbor Bluff Dr, Brennan Rd, Bow Dr, Spruce Dr, Rose Park Rd, Shadowpine Dr, Jewel Dr, Morgan Ridge Dr | $170,000 | $150,000 | $150,000-$175,000 | $136,500 | $130,000 | $100,000-$125,000 |
| San Aymores Ct, High Ridge Blvd, Hodges Dr, Pinetree Ridge Ln, Willow Glen Ct, Romaine Spring Vw, Lama Dr, Millridge Dr, Winter Bluff Dr, Palomino Path Ct | $246,000 | $210,000 | $200,000-$250,000 | $148,500 | $120,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$84 | $845 |
| Home and Two Car | -$149 | $780 |
| Home and Three Car | -$223 | $705 |
| 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 | $2,500 | $1,017 | $3,517 | $739 | $3,239 | $278 |
| Rock, MO | $1,500 | $917 | $2,417 | $666 | $2,166 | $251 |
| Shrewsbury, MO | $500 | $794 | $1,294 | $577 | $1,077 | $217 |
| Horine, MO | $1,500 | $910 | $2,410 | $661 | $2,161 | $249 |
| Vinita Park, MO | $500 | $840 | $1,340 | $610 | $1,110 | $230 |
| Lake St. Louis, MO | $1,000 | $881 | $1,881 | $640 | $1,640 | $241 |
| St. Clair, MO | $500 | $958 | $1,458 | $696 | $1,196 | $262 |
| Miramiguoa Park, MO | $1,500 | $923 | $2,423 | $671 | $2,171 | $252 |
| Winfield, MO | $500 | $1,019 | $1,519 | $740 | $1,240 | $278 |
| Troy, MO | $1,500 | $886 | $2,386 | $644 | $2,144 | $242 |
| Worden, IL | $200 | $638 | $838 | $464 | $664 | $174 |
| Omphghent, IL | $2,000 | $808 | $2,808 | $587 | $2,587 | $221 |
| Home Insurance Company Rock, MO | Homeowners Insurance Agency Rock, MO | Address | Popularity Score | Distance from Rock (miles) |
|---|---|---|---|---|
| State Farm | Kelly Ruby | 54 The Legends Pkwy Ste 159, Eureka, MO, 63025-3803 | 9.0 | |
| Liberty Mutual Independent | Dewitt Insurance | 1011 Howard George Dr, Manchester, MO, 63021 | 9.0 | |
| Farmers | Janette Scott | 9201 Watson Rd Ste 250, Crestwood, MO, 63126 | 8.6 | |
| Allstate | Daniel Zinselmeier | 53 Nationalway Shopping Ctr, Ballwin, MO, 63011 | 9.3 | |
| State Farm | Gary Schmidt | 13603 Barrett Of Dr Ste 101, Ballwin, MO, 63021-7828 | 9.3 | |
| State Farm | Randy Stegmann | 517 W Pearce Blvd, Wentzville, MO, 63385-1342 | 32.0 | |
| State Farm | Toni Smith | 4601 Hampton Avenue, St Louis, MO, 63109-2715 | 13.0 | |
| State Farm | Fred Maloy | 11327 Gravois Rd Ste 101, Sappington, MO, 63126-3657 | 7.5 | |
| State Farm | Hardy Washington Jr | 800 S Kirkwood Rd, Kirkwood, MO, 63122-6015 | 8.3 | |
| Allstate | John Larson | 18102 Chesterfield Aprt Rd Ste A, Chesterfield, MO, 63005 | 17.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,510 | $760 |
| Jefferson County, MO | $154,100 | $1,030 | $690 | $1,450 | $760 |
| Rock, MO | $153,300 | $928 | $620 | $1,290 | $670 |
| Shrewsbury, MO | $163,400 | $803 | $540 | $1,120 | $580 |
| Horine, MO | $92,900 | $921 | $670 | $1,280 | $610 |
| Vinita Park, MO | $74,500 | $850 | $610 | $1,200 | $590 |
| Lake St. Louis, MO | $218,300 | $892 | $600 | $1,230 | $630 |
| St. Clair, MO | $107,200 | $970 | $700 | $1,380 | $680 |
| Miramiguoa Park, MO | $96,700 | $934 | $670 | $1,330 | $660 |
| Winfield, MO | $126,600 | $1,031 | $700 | $1,460 | $760 |
| Troy, MO | $139,500 | $897 | $620 | $1,280 | $660 |
| Worden, IL | $98,900 | $646 | $450 | $890 | $440 |
| Omphghent, IL | $163,500 | $818 | $550 | $1,150 | $600 |