Gavop's guide to buying homeowners insurance in Moniteau 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $119,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $150,500 | $120,000 | $175,000-$200,000 |
| 4 Bedroom | $258,000 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $345,500 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $727 |
| Superior Protection Discount | -$76 | $769 |
| Fire & Security Discount | -$68 | $777 |
| Hail Resistant Roof Discount | -$25 | $820 |
| Newly Constructed Home Discount | -$186 | $659 |
| 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 |
| Moniteau County | $1,000 | $835 | $1,835 | $607 | $1,607 | $228 |
| Moniteau County, MO | $700 | $835 | $1,535 | $607 | $1,307 | $228 |
| Willow Fork, MO | $500 | $915 | $1,415 | $665 | $1,165 | $250 |
| Meta, MO | $2,500 | $942 | $3,442 | $684 | $3,184 | $257 |
| Laurie, MO | $500 | $1,118 | $1,618 | $813 | $1,313 | $306 |
| Westphalia, MO | $2,500 | $1,053 | $3,553 | $765 | $3,265 | $288 |
| Bourbon, MO | $500 | $1,112 | $1,612 | $808 | $1,308 | $304 |
| Ionia, MO | $700 | $738 | $1,438 | $536 | $1,236 | $202 |
| Kingdom City, MO | $400 | $944 | $1,344 | $686 | $1,086 | $258 |
| Elk Fork, MO | $2,500 | $1,131 | $3,631 | $822 | $3,322 | $309 |
| Renick, MO | $300 | $797 | $1,097 | $579 | $879 | $218 |
| Home Insurance Company Moniteau County, MO | Homeowners Insurance Agency Moniteau County, MO | Address | Popularity Score | Distance from Moniteau County (miles) |
|---|---|---|---|---|
| State Farm | Brad Hutchison | 3401 W Truman Blvd, Jefferson City, MO, 65109-5752 | 18.5 | |
| State Farm | Bryan Jenkins | 2903 W Broadway Blvd Ste B, Sedalia, MO, 65301-2478 | 37.0 | |
| Travelers | Krantz Insurance Group | 2820 Bagnell Dam Blvd Ste 5b, Lake Ozark, MO, 65049 | 31.3 | |
| State Farm | Trudy Sommers | 1005 Northeast Drive, Jefferson City, MO, 65109-4718 | 21.2 | |
| Farmers | David Westhoff | 603 S Henry Clay Blvd, Ashland, MO, 65010 | 19.8 | |
| Farmers | David Jaeger | 824 Southwest Blvd, Jefferson City, MO, 65109 | 21.1 | |
| Travelers | Atra Insurance Agency | 2903 D West Broadway, Sedalia, MO, 65301 | 37.0 | |
| Travelers | Graham Insurance Agency | 204 B E 5th St, Fulton, MO, 65251 | 37.5 | |
| State Farm | Greg Hill | 1609 Chapel Hill Rd Ste A, Columbia, MO, 65203-6368 | 23.7 | |
| Farmers | Wendy Sprouse | 19 E Walnut St Ste E, Columbia, MO, 65203 | 25.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $790 | $1,490 | $700 |
| Moniteau County, MO | $118,400 | $845 | $570 | $1,210 | $640 |
| Moniteau County, MO | $118,400 | $845 | $570 | $1,200 | $630 |
| Willow Fork, MO | $94,400 | $926 | $660 | $1,280 | $620 |
| Meta, MO | $102,100 | $953 | $700 | $1,350 | $650 |
| Laurie, MO | $164,100 | $1,132 | $770 | $1,570 | $800 |
| Westphalia, MO | $138,800 | $1,066 | $760 | $1,510 | $750 |
| Bourbon, MO | $161,300 | $1,125 | $780 | $1,610 | $830 |
| Ionia, MO | $51,300 | $747 | $510 | $1,060 | $550 |
| Kingdom City, MO | $102,500 | $955 | $650 | $1,360 | $710 |
| Elk Fork, MO | $169,400 | $1,145 | $840 | $1,630 | $790 |
| Renick, MO | $64,400 | $807 | $560 | $1,120 | $560 |