Gavop shows you how to buy homeowners insurance in Sappington, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $53,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $82,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $158,500 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $158,500 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $328,000 | $310,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $720 |
| Superior Protection Discount | -$87 | $781 |
| Fire & Security Discount | -$78 | $789 |
| Hail Resistant Roof Discount | -$26 | $841 |
| Newly Constructed Home Discount | -$217 | $651 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,440 |
| Hail Damage | $4,665 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,386 |
| Home Insurance Company Sappington, MO | Homeowners Insurance Agency Sappington, MO | Address | Popularity Score | Distance from Sappington (miles) |
|---|---|---|---|---|
| State Farm | Matt Heady | 26 Gravois Sta, House Springs, MO, 63051-4348 | 13.2 | |
| Liberty Mutual Independent | Siebert Agency Ltd | 558 Gravois Rd Ste 200, Fenton, MO, 63026 | 3.5 | |
| State Farm | Ben Rister | 14145 Clayton Rd, Chesterfield, MO, 63017-8355 | 10.2 | |
| Liberty Mutual Independent | The Daniel & Henry Co | 1001 Highlands Plaza Dr W Saint Louis, St. Louis, MO, 63110 | 8.9 | |
| State Farm | Wade Wheeler | 8045 Big Bend Blvd, Webster Groves, MO, 63119-2714 | 5.2 | |
| Allstate | Missouri Insurance Group Llc | 8515 Delmar Blvd Ste 201, Saint Louis, MO, 63124 | 9.5 | |
| State Farm | Hugh Bissell | 10807 Big Bend Rd, Kirkwood, MO, 63122-6054 | 3.4 | |
| State Farm | Hardy Washington Jr | 800 S Kirkwood Rd, Kirkwood, MO, 63122-6015 | 3.6 | |
| Farmers | Edward Fogelbach | 2705 Dougherty Ferry Rd Ste 101, Saint Louis, MO, 63122 | 6.1 | |
| Farmers | Ryan Wolk | 21971 Hwy 32, Ste Genevieve, MO, 63670 | 42.1 |
| 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 | $1,550 | $770 |
| St. Louis County, MO | $181,100 | $1,090 | $730 | $1,500 | $770 |
| Sappington, MO | $202,500 | $867 | $620 | $1,220 | $600 |
| Tesson Ferry, MO | $217,800 | $891 | $610 | $1,240 | $630 |
| Cahokia, IL | $48,700 | $828 | $600 | $1,130 | $530 |
| Pevely, MO | $124,800 | $862 | $580 | $1,200 | $620 |
| Cedar Hill Lakes, MO | $85,800 | $894 | $610 | $1,220 | $610 |
| Chouteau, IL | $82,900 | $835 | $600 | $1,140 | $540 |
| St. Charles County, MO | $198,500 | $1,126 | $810 | $1,540 | $730 |
| Otterville, IL | $82,700 | $588 | $390 | $840 | $450 |
| Baldwin, IL | $86,500 | $602 | $410 | $850 | $440 |
| Royal Lakes, IL | $53,800 | $464 | $320 | $640 | $320 |
| North Elkhorn, MO | $142,200 | $904 | $650 | $1,240 | $590 |