How Can I Make My Gallatin, MO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Gallatin, 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 Gallatin, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $89,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $122,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $138,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $222,500 | $190,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Gallatin, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $832 |
| Superior Protection Discount | -$90 | $912 |
| Fire & Security Discount | -$80 | $922 |
| Hail Resistant Roof Discount | -$30 | $972 |
| Newly Constructed Home Discount | -$231 | $772 |
Choose the Right Deductible for your Gallatin, 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 |
| Clay County | $2,000 | $1,033 | $3,033 | $751 | $2,751 | $282 |
| Gallatin, MO | $2,000 | $990 | $2,990 | $720 | $2,720 | $271 |
| Houston Lake, MO | $400 | $1,023 | $1,423 | $743 | $1,143 | $279 |
| May, MO | $700 | $1,234 | $1,934 | $897 | $1,597 | $337 |
| Westwood Hills, KS | $100 | $2,022 | $2,122 | $1,470 | $1,570 | $553 |
| Fishing River, MO | $1,000 | $825 | $1,825 | $600 | $1,600 | $225 |
| Fairmount, KS | $500 | $939 | $1,439 | $683 | $1,183 | $257 |
| Big Creek, MO | $2,500 | $1,413 | $3,913 | $1,027 | $3,527 | $386 |
| Clay, MO | $100 | $852 | $952 | $619 | $719 | $233 |
| Baldwin Park, MO | $2,500 | $710 | $3,210 | $516 | $3,016 | $194 |
| Polo, MO | $300 | $839 | $1,139 | $610 | $910 | $229 |
| Lexington, MO | $2,500 | $821 | $3,321 | $596 | $3,096 | $224 |
Identify Top Home Insurance Agents near Gallatin, MO | Back to Top
| Home Insurance Company Gallatin, MO | Homeowners Insurance Agency Gallatin, MO | Address | Popularity Score | Distance from Gallatin (miles) |
|---|---|---|---|---|
| Travelers | Abba Insurance Llc | 2427 Burlington Ste 201, North Kansas City, MO, 64116 | 2.7 | |
| State Farm | John Hardy | 1201 Nw Jefferson St Ste A, Blue Springs, MO, 64015-6400 | 19.0 | |
| Travelers | Northland Independent Group | 5921 Nw Barry Rd Ste 200 Kansas City, Kansas City, MO, 64154 | 6.0 | |
| Farmers | Jason Ayers | 5752 N Broadway St, Kansas City, MO, 64118 | 1.2 | |
| State Farm | Debbie Baker Krough | 6300 Walnut St, Kansas City, MO, 64113-2314 | 11.8 | |
| Liberty Mutual Independent | Krueger & James Insurance Agency | 1126 Swift Ave, North Kansas City, MO, 64116 | 3.8 | |
| State Farm | Jeff Zigmant | 6008 N Highway 9 Ste B, Parkville, MO, 64152-3673 | 6.1 | |
| State Farm | Brady Crawford | 8080 Ward Pkwy Ste 100, Kansas City, MO, 64114-2041 | 14.1 | |
| State Farm | Liam Porter | 1207 W 47th St, Kansas City, MO, 64112-1203 | 9.9 | |
| Travelers | Jenkins & James Insurance Agency Inc | 5814 N Oak Trafficway, Gladstone, MO, 64118 | 1.1 |
Compare Rates for Gallatin, 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 | $730 | $1,510 | $780 |
| Clay County, MO | $160,900 | $1,045 | $750 | $1,450 | $700 |
| Gallatin, MO | $131,000 | $1,002 | $690 | $1,380 | $690 |
| Houston Lake, MO | $128,000 | $1,035 | $750 | $1,470 | $720 |
| May, MO | $215,800 | $1,249 | $910 | $1,760 | $850 |
| Westwood Hills, KS | $381,900 | $2,047 | $1,600 | $2,760 | $1,160 |
| Fishing River, MO | $114,300 | $835 | $600 | $1,190 | $590 |
| Fairmount, KS | $228,700 | $951 | $740 | $1,280 | $540 |
| Big Creek, MO | $293,300 | $1,430 | $1,040 | $1,960 | $920 |
| Clay, MO | $125,200 | $863 | $620 | $1,190 | $570 |
| Baldwin Park, MO | $45,600 | $719 | $500 | $1,010 | $510 |
| Polo, MO | $74,300 | $849 | $570 | $1,180 | $610 |
| Lexington, MO | $112,900 | $831 | $610 | $1,180 | $570 |
Research Home Insurance Companies Reviews in Gallatin, MO Before Buying | Back to Top
Share a review on your home insurance company
Shelter Home Insurance Reviews
Date: September 24, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
i have a great insurance there customer service is good,they are very polite and gets my answers fast
Date: September 17, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
Shelter insurance policy or coverage for my home is somewhat good in covering floods, fires and lost of possessions but I wished it included life insurance in the premuim price.
Date: June 18, 2019 Age: 30 to 39 Gender: Married Marital Status: Female
Customer Service
my insurance company is a good company,there always there when i need them.the customer service is always polite.the rate is affordable,i also believe that my plan is just what i need.
Liberty Mutual Home Insurance Reviews
Date: July 03, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
From what I understand, the insurance company provides a pretty good rate to the homeowner from who I rent. That's how I'm able to afford a decent rent rate.
Date: October 29, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Liberty Mutual charges a higher premium than other carriers, supposedly for a better product.
Meemic Insurance Home Insurance Reviews
Date: October 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I love the premium offered to me by my insurance company.Compared to others, they was the lowest I could find in my area.
Allstate Home Insurance Reviews
Date: November 19, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
My agent with Allstate and his entire office is fantastic in the customer service area! They get back to me via email (my chosen format) very quickly, answering my questions or concerns patiently and completely. I've contacted them relatively frequently and each time their responses make me feel like I am a valued customer. So far at least, I've never felt brushed off or deceived in any way. They seem to have my best interests at heart.