Gavop's guide to buying homeowners insurance in Fort Osage, 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.
| Fort Osage, 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 | |
| Lyons Cir, E Bundschu Rd, N Washboard Rd, E 17th Street Ct N, S Valeen Ave, Broyles St, E 14 Terrace Dr N, Bly Rd, Chicago Ave, NW Elmwood Dr | $158,500 | $130,000 | $150,000-$175,000 | $78,000 | $70,000 | $50,000-$75,000 |
| N Hifner St, Co Hwy 8n, S Hudnall Rd, State Hwy Ff, Madison St, S Van Dyke Rd, Duncan Rd, E Blue Ave, S Phillips Rd, Cooper Ave | $164,500 | $140,000 | $125,000-$150,000 | $162,500 | $130,000 | $125,000-$150,000 |
| NE Pink Hill Rd, Glenview Ct, Pamela Ln, S J R Ave, E Courtney Atherton Rd, N Stock Rd, NW Hampton Pl, E Hanna Rd, Hackberry Ct, N Atherton Rd | $179,500 | $140,000 | $175,000-$200,000 | $131,000 | $110,000 | $150,000-$175,000 |
| S Pink Hill Cir, E Gillespie Rd, Millview Dr, Old Pink Hill Rd, S Little Blue Pkwy, Hanover Ct, E Jim Owens Rd, Webb Rd, Airport Rd, Sue Ellen Ave | $148,500 | $140,000 | $150,000-$175,000 | $122,000 | $110,000 | $100,000-$125,000 |
| E Cogswell Rd, E 32nd Terrace Ct S, N Blue Mills Rd, Dieckman Rd, NW Mulberry, S Paul Dr, E Pinehurst Ln, N Holly Rd, Thornbird Ave, 32 Terrace Ct | $180,000 | $150,000 | $150,000-$175,000 | $98,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $720 |
| Superior Protection Discount | -$78 | $789 |
| Fire & Security Discount | -$78 | $789 |
| Hail Resistant Roof Discount | -$26 | $841 |
| Newly Constructed Home Discount | -$251 | $615 |
| 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 |
| Jackson County | $700 | $961 | $1,661 | $698 | $1,398 | $263 |
| Fort Osage, MO | $1,000 | $856 | $1,856 | $622 | $1,622 | $234 |
| Buckner, MO | $200 | $922 | $1,122 | $670 | $870 | $252 |
| Mission Hills, KS | $700 | $804 | $1,504 | $584 | $1,284 | $220 |
| Waldron, MO | $100 | $2,104 | $2,204 | $1,529 | $1,629 | $575 |
| Freedom, MO | $1,500 | $1,004 | $2,504 | $729 | $2,229 | $274 |
| Grover, MO | $500 | $1,140 | $1,640 | $829 | $1,329 | $312 |
| Gomer, MO | $1,000 | $924 | $1,924 | $671 | $1,671 | $252 |
| Austin, MO | $400 | $1,037 | $1,437 | $754 | $1,154 | $284 |
| Archie, MO | $1,000 | $929 | $1,929 | $675 | $1,675 | $254 |
| Combs, MO | $100 | $1,120 | $1,220 | $814 | $914 | $306 |
| Mooresville, MO | $1,000 | $1,034 | $2,034 | $752 | $1,752 | $283 |
| Home Insurance Company Fort Osage, MO | Homeowners Insurance Agency Fort Osage, MO | Address | Popularity Score | Distance from Fort Osage (miles) |
|---|---|---|---|---|
| Farmers | Brian Owens | 1040 Nw South Outer Rd, Blue Springs, MO, 64015 | 8.6 | |
| State Farm | Nick Mortallaro | 401 Sw Eagles Pkwy, Grain Valley, MO, 64029-8519 | 9.1 | |
| Allstate | Dan Mahurin | 1203 S Bucknr Tarsney Rd Ste C, Grain Valley, MO, 64029 | 8.3 | |
| Travelers | Northland Independent Group | 5921 Nw Barry Road Suite 200, Kansas City, MO, 64154 | 24.7 | |
| State Farm | John Hardy | 1201 Nw Jefferson St Ste A, Blue Springs, MO, 64015-6400 | 8.6 | |
| Travelers | Northland Independent Group | 5921 Nw Barry Rd Ste 200 Kansas City, Kansas City, MO, 64154 | 24.7 | |
| Travelers | Associated Services In Insurance | 1438 Minter Way, Grain Valley, MO, 64029 | 9.4 | |
| Allstate | Don Graves | 710 W Main St Ste I, Blue Springs, MO, 64015 | 9.3 | |
| Travelers | Associated Services In Insurance | 1438 Minter Way Grain Valley, Grain Valley, MO, 64029 | 9.3 | |
| State Farm | Clint Osborn | 1208 Sw Us Highway 40, Blue Springs, MO, 64015-4612 | 10.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $740 | $1,490 | $750 |
| Jackson County, MO | $131,500 | $973 | $660 | $1,340 | $680 |
| Fort Osage, MO | $126,700 | $867 | $580 | $1,230 | $650 |
| Buckner, MO | $96,200 | $933 | $680 | $1,320 | $640 |
| Mission Hills, KS | $978,500 | $813 | $630 | $1,100 | $470 |
| Waldron, MO | $449,100 | $2,130 | $1,450 | $3,000 | $1,550 |
| Freedom, MO | $121,600 | $1,016 | $700 | $1,450 | $750 |
| Grover, MO | $173,300 | $1,154 | $770 | $1,650 | $880 |
| Gomer, MO | $96,800 | $935 | $670 | $1,330 | $660 |
| Austin, MO | $133,000 | $1,050 | $760 | $1,460 | $700 |
| Archie, MO | $98,400 | $940 | $640 | $1,330 | $690 |
| Combs, MO | $164,800 | $1,134 | $820 | $1,580 | $760 |
| Mooresville, MO | $132,100 | $1,047 | $750 | $1,430 | $680 |