Gavop's guide to buying homeowners insurance in Park Hills, 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 | $39,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $157,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $117,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $129,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $616 |
| Superior Protection Discount | -$64 | $652 |
| Fire & Security Discount | -$72 | $645 |
| Hail Resistant Roof Discount | -$14 | $702 |
| Newly Constructed Home Discount | -$201 | $516 |
| 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. Francois County | $700 | $930 | $1,630 | $675 | $1,375 | $254 |
| Park Hills, MO | $1,500 | $708 | $2,208 | $514 | $2,014 | $193 |
| Farmington, MO | $200 | $847 | $1,047 | $616 | $816 | $232 |
| Iron Mountain Lake, MO | $2,500 | $670 | $3,170 | $487 | $2,987 | $183 |
| Fredericktown, MO | $500 | $878 | $1,378 | $638 | $1,138 | $240 |
| Marquand, MO | $1,000 | $842 | $1,842 | $612 | $1,612 | $230 |
| Calvey, MO | $200 | $886 | $1,086 | $644 | $844 | $242 |
| Walsh, IL | $2,500 | $609 | $3,109 | $442 | $2,942 | $166 |
| St. Clair, MO | $100 | $958 | $1,058 | $696 | $796 | $262 |
| Leasburg, MO | $1,000 | $801 | $1,801 | $582 | $1,582 | $219 |
| Tesson Ferry, MO | $100 | $880 | $980 | $640 | $740 | $241 |
| Meramec, MO | $1,000 | $955 | $1,955 | $694 | $1,694 | $261 |
| Home Insurance Company Park Hills, MO | Homeowners Insurance Agency Park Hills, MO | Address | Popularity Score | Distance from Park Hills (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Siebert Agency Ltd | 558 Gravois Rd Ste 200, Fenton, MO, 63026 | 48.2 | |
| State Farm | Chris Morrison | 8 E Harrison St, Farmington, MO, 63640-1859 | 5.3 | |
| State Farm | Marty Wilder | 127 Schneider Dr, Fenton, MO, 63026-6017 | 45.0 | |
| Allstate | Bob Ryals | 2745 High Ridge Blvd Ste 13, High Ridge, MO, 63049 | 44.7 | |
| Travelers | Dierker Knobbe Insurance Services | 3522 Lemay Ferry Road, St Louis, MO, 63125 | 49.0 | |
| Allstate | Timothy Underwood | 536 Old Smizer Mill Rd, Fenton, MO, 63026 | 48.3 | |
| State Farm | Ralph Sippel | 1608 Jeffco Blvd, Arnold, MO, 63010-2717 | 43.0 | |
| State Farm | Rich Haney | 4515 Lemay Ferry Road, St Louis, MO, 63129 | 48.0 | |
| Farmers | Marjorie Kase | 6 W Main St # 602, Sullivan, MO, 63080 | 44.8 | |
| State Farm | Bobby Crosswhite Jr | 11400 Concord Vilage Ave Ste B, Saint Louis, MO, 63123-6954 | 49.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $750 | $1,500 | $750 |
| St. Francois County, MO | $110,200 | $941 | $640 | $1,340 | $700 |
| Park Hills, MO | $75,400 | $717 | $510 | $1,000 | $490 |
| Farmington, MO | $123,300 | $858 | $630 | $1,220 | $590 |
| Iron Mountain Lake, MO | $37,500 | $678 | $480 | $970 | $490 |
| Fredericktown, MO | $84,500 | $889 | $650 | $1,220 | $570 |
| Marquand, MO | $75,200 | $852 | $580 | $1,170 | $590 |
| Calvey, MO | $139,400 | $897 | $610 | $1,240 | $630 |
| Walsh, IL | $90,300 | $616 | $410 | $850 | $440 |
| St. Clair, MO | $107,200 | $970 | $650 | $1,350 | $700 |
| Leasburg, MO | $65,400 | $811 | $580 | $1,110 | $530 |
| Tesson Ferry, MO | $217,800 | $891 | $630 | $1,270 | $640 |
| Meramec, MO | $265,500 | $967 | $650 | $1,320 | $670 |