How Can I Make My Union, MO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Union, 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 Union, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $151,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $203,000 | $180,000 | $175,000-$200,000 |
| 4 Bedroom | $325,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $213,000 | $200,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Union, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $673 |
| Superior Protection Discount | -$80 | $721 |
| Fire & Security Discount | -$72 | $729 |
| Hail Resistant Roof Discount | -$16 | $785 |
| Newly Constructed Home Discount | -$184 | $617 |
Choose the Right Deductible for your Union, 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 |
| Franklin County | $700 | $1,024 | $1,724 | $744 | $1,444 | $280 |
| Union, MO | $2,500 | $792 | $3,292 | $575 | $3,075 | $216 |
| New Haven, MO | $300 | $979 | $1,279 | $712 | $1,012 | $268 |
| St. Cloud, MO | $700 | $1,114 | $1,814 | $810 | $1,510 | $305 |
| Imperial, MO | $500 | $801 | $1,301 | $582 | $1,082 | $219 |
| Loutre, MO | $1,500 | $1,028 | $2,528 | $747 | $2,247 | $281 |
| Huntleigh, MO | $500 | $793 | $1,293 | $577 | $1,077 | $217 |
| Herculaneum, MO | $2,000 | $1,087 | $3,087 | $790 | $2,790 | $297 |
| Montgomery County, MO | $300 | $800 | $1,100 | $581 | $881 | $219 |
| Valmeyer, IL | $700 | $806 | $1,506 | $586 | $1,286 | $220 |
| Vinita Park, MO | $200 | $840 | $1,040 | $610 | $810 | $230 |
| Pine Lawn, MO | $1,500 | $732 | $2,232 | $532 | $2,032 | $200 |
Identify Top Home Insurance Agents near Union, MO | Back to Top
| Home Insurance Company Union, MO | Homeowners Insurance Agency Union, MO | Address | Popularity Score | Distance from Union (miles) |
|---|---|---|---|---|
| Travelers | Alternatives Insurance | 1101 Gravois Rd Ste D, Fenton, MO, 63026 | 31.7 | |
| Travelers | Ahl Insurance Agency | 1480 Woodstone Dr 1480 Woodstone Dr Saint Charles, St Charles, MO, 63304 | 33.4 | |
| Allstate | Lisa M. Clemente | 110a Holloway Rd, Ballwin, MO, 63011 | 30.0 | |
| State Farm | Joe Freund | 9120 Watson Road, Crestwood, MO, 63126-2238 | 38.2 | |
| Travelers | Scott Agency Inc | 604 E Veterans Memorial Pkwy, Warrenton, MO, 63383 | 27.3 | |
| State Farm | Ryan Vardeman | 12287 Olive Blvd, Creve Coeur, MO, 63141-6630 | 36.6 | |
| State Farm | Kent Zimmer | 232 Vance Rd Ste 201, Valley Park, MO, 63088-1575 | 31.2 | |
| State Farm | Fred Maloy | 11327 Gravois Rd Ste 101, Sappington, MO, 63126-3657 | 37.8 | |
| Allstate | John Larson | 18102 Chesterfield Aprt Rd Ste A, Chesterfield, MO, 63005 | 28.0 | |
| Farmers | Olu Lou Darden | 16497 Clayton Rd, Wildwood, MO, 63011 | 27.0 |
Compare Rates for Union, 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 | $1,500 | $720 |
| Franklin County, MO | $156,800 | $1,036 | $690 | $1,460 | $770 |
| Union, MO | $162,000 | $801 | $540 | $1,110 | $570 |
| New Haven, MO | $113,400 | $991 | $720 | $1,360 | $640 |
| St. Cloud, MO | $162,500 | $1,128 | $810 | $1,590 | $780 |
| Imperial, MO | $168,000 | $811 | $590 | $1,150 | $560 |
| Loutre, MO | $129,600 | $1,040 | $750 | $1,470 | $720 |
| Huntleigh, MO | $1,375,000 | $803 | $580 | $1,100 | $520 |
| Herculaneum, MO | $151,400 | $1,100 | $800 | $1,560 | $760 |
| Montgomery County, MO | $105,300 | $810 | $560 | $1,140 | $580 |
| Valmeyer, IL | $162,800 | $816 | $600 | $1,120 | $520 |
| Vinita Park, MO | $74,500 | $850 | $600 | $1,160 | $560 |
| Pine Lawn, MO | $50,000 | $741 | $500 | $1,050 | $550 |
Research Home Insurance Companies Reviews in Union, MO Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: December 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I am very satisfied. I would give my insurance company a five rating for the premium because this is a trusted company and I believe that they are worth every penny.
Shelter Home Insurance Reviews
Date: February 07, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
shelters insurance is a good company they have afordable rates and if i have a problem they are there to help me,and file a claim.
State Farm Home Insurance Reviews
Date: April 01, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Customer service has been good and really cooperative whenever i have an issue they are always there to hear me and solve it on time
NYCM Insurance Home Insurance Reviews
Date: October 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I think that my policy covers most things except flood damage and unforeseen acts of nature. It also covers my cars and if anyone gets hurt while they are at my house.