Gavop's guide to buying homeowners insurance in Jefferson, 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.
| Jefferson, 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 | |
| Nine Hills Rd, Westport Dr, Topaz Ct, Don Ray Dr, Frog Hollow Rd, Sun Meadow Ln, Walther Ave, del Cerro Dr, Rademan Ln, Rehagen Blvd | $133,500 | $120,000 | $125,000-$150,000 | $128,500 | $110,000 | $150,000-$175,000 |
| Hastings Rd, Forest Hill Ave, Greenridge Ct, William St, Windriver Dr, Wilmor Dr, Buchanan St, Annas Ln, Scott Station Rd, Stringtown Station Rd | $113,500 | $100,000 | $125,000-$150,000 | $96,500 | $80,000 | $75,000-$100,000 |
| Kendred Ln, Willow Dr, Darwin St, Union Ave, Rosewood Dr, Rolling Hills Rd, Hiview Dr, S Taylor St, Lisa Dr, Southwest Blvd | $120,000 | $100,000 | $125,000-$150,000 | $160,500 | $130,000 | $150,000-$175,000 |
| Danielle Ct, Strasburg Ct, Benton St, Yorktown Dr, Capitol View Dr, Tellman Rd, Rabbit Ridge, Frog Hollow Ln, Indian Meadow Dr, Lakewood Dr | $118,000 | $100,000 | $125,000-$150,000 | $119,000 | $100,000 | $100,000-$125,000 |
| Atelier Dr, Rte Hh, Meadow Ln, Gary Ln, Fairland Rd, Old State Hwy C, Madeline St, Bowe Ln, Shadow Ct, Hobbs Ln | $168,000 | $150,000 | $175,000-$200,000 | $168,000 | $140,000 | $150,000-$175,000 |
| Wooded Hills Ln, Dusty Trl, Sturbridge Dr, Jordan St, Grand Point Ct, Liverpool Dr, Westwood, Manassas Pl, Dockery St, Woodlawn Ave | $184,500 | $160,000 | $200,000-$250,000 | $74,500 | $70,000 | $50,000-$75,000 |
| Cedar Ln, Old US Hwy 50, Maplewood Ct S, N Ten Mile Dr, Tower Dr, S Ten Mile Dr, Pike St, Campground Ct, Pine St, Grant St | $202,000 | $190,000 | $200,000-$250,000 | $96,000 | $90,000 | $75,000-$100,000 |
| Walther Rd, Geneva St, N Rock Beacon Rd, Biscayne Dr, Plymouth Rock Dr, Sunny Brook Ct, Merlin Dr, Covey Ct, S Hatler St, N Brooks Ct | $108,500 | $90,000 | $100,000-$125,000 | $135,500 | $130,000 | $100,000-$125,000 |
| Portabello Place Dr, Haworth Dr, Rainbow Cir, Rte T, Broadway, Renn St, Bull Rock Dr, Knernshield Rd, Linn St, W Atchison St | $201,000 | $170,000 | $200,000-$250,000 | $122,000 | $110,000 | $125,000-$150,000 |
| Hidden Trl, Ross Ln, E High St, 2nd St, Williamsburg Way, Abbey Ln, Christy Dr, Field Haven Dr, Chris Dr, Knernschield | $134,000 | $110,000 | $125,000-$150,000 | $196,000 | $170,000 | $175,000-$200,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$73 | $835 |
| Home and Two Car | -$154 | $753 |
| Home and Three Car | -$227 | $680 |
| 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 |
| Cole County | $1,000 | $1,017 | $2,017 | $739 | $1,739 | $278 |
| Jefferson, MO | $1,500 | $896 | $2,396 | $651 | $2,151 | $245 |
| Ashland, MO | $500 | $1,144 | $1,644 | $831 | $1,331 | $313 |
| Walker, MO | $1,500 | $837 | $2,337 | $608 | $2,108 | $229 |
| Burris Fork, MO | $200 | $1,116 | $1,316 | $811 | $1,011 | $305 |
| Rock Bridge, MO | $1,000 | $990 | $1,990 | $720 | $1,720 | $271 |
| Eldon, MO | $200 | $888 | $1,088 | $645 | $845 | $243 |
| Perche, MO | $2,000 | $1,157 | $3,157 | $841 | $2,841 | $316 |
| Boonville, MO | $200 | $871 | $1,071 | $633 | $833 | $238 |
| Dixon, MO | $2,000 | $917 | $2,917 | $666 | $2,666 | $251 |
| Bourbois, MO | $400 | $1,256 | $1,656 | $913 | $1,313 | $343 |
| Linn Creek, MO | $1,000 | $842 | $1,842 | $612 | $1,612 | $230 |
| Home Insurance Company Jefferson, MO | Homeowners Insurance Agency Jefferson, MO | Address | Popularity Score | Distance from Jefferson (miles) |
|---|---|---|---|---|
| State Farm | Lori Branch | 170 W Simon Blvd, Holts Summit, MO, 65043-1050 | 8.4 | |
| Travelers | Concord Financial Alliance | 2407 W Ash St, Columbia, MO, 65203 | 27.7 | |
| Travelers | Choice Agency Llc | 622 Delaware Suite A Jefferson City, Jefferson City, MO, 65109 | 2.6 | |
| Travelers | Scott Agency Inc | 408 N Sturgeon St, Montgomery City, MO, 63361 | 48.2 | |
| Travelers | Fred Vogel | 301 Monroe, Jefferson City, MO, 65101 | 3.4 | |
| State Farm | Lisa Cravens | 1725 Paris Road, Columbia, MO, 65201-5571 | 27.3 | |
| Allstate | Ethan Peyton | 110 E Ash St, Columbia, MO, 65203 | 26.9 | |
| State Farm | Jim Kesterson | 1401 Southwest Blvd, Jefferson City, MO, 65109-2484 | 1.8 | |
| Travelers | Graham Insurance Agency | 204 B E 5th St, Fulton, MO, 65251 | 24.5 | |
| Liberty Mutual Independent | Naught-Naught Insurance Agency | 710 Market St, Fulton, MO, 65251 | 24.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,530 | $800 |
| Cole County, MO | $154,200 | $1,030 | $700 | $1,450 | $750 |
| Jefferson, MO | $143,800 | $907 | $630 | $1,240 | $610 |
| Ashland, MO | $175,000 | $1,158 | $780 | $1,600 | $820 |
| Walker, MO | $119,000 | $847 | $620 | $1,210 | $590 |
| Burris Fork, MO | $163,200 | $1,130 | $820 | $1,550 | $730 |
| Rock Bridge, MO | $285,800 | $1,002 | $730 | $1,370 | $640 |
| Eldon, MO | $87,000 | $899 | $640 | $1,250 | $610 |
| Perche, MO | $180,600 | $1,171 | $840 | $1,620 | $780 |
| Boonville, MO | $133,100 | $882 | $590 | $1,260 | $670 |
| Dixon, MO | $94,800 | $928 | $620 | $1,330 | $710 |
| Bourbois, MO | $226,100 | $1,271 | $860 | $1,770 | $910 |
| Linn Creek, MO | $75,000 | $852 | $590 | $1,220 | $630 |