Gavop's guide to buying homeowners insurance in Monroe, 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 | $63,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $165,500 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $184,000 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $224,500 | $190,000 | $250,000-$300,000 |
| 5 Bedroom | $152,500 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $788 |
| Superior Protection Discount | -$93 | $835 |
| Fire & Security Discount | -$74 | $853 |
| Hail Resistant Roof Discount | -$19 | $909 |
| Newly Constructed Home Discount | -$250 | $677 |
| 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 |
| Lincoln County | $2,500 | $1,017 | $3,517 | $739 | $3,239 | $278 |
| Monroe, MO | $1,000 | $916 | $1,916 | $666 | $1,666 | $250 |
| Lake St. Louis, MO | $100 | $881 | $981 | $640 | $740 | $241 |
| Northwest, MO | $2,500 | $1,047 | $3,547 | $761 | $3,261 | $286 |
| Creve Coeur, MO | $100 | $1,185 | $1,285 | $861 | $961 | $324 |
| Norwood, MO | $200 | $792 | $992 | $575 | $775 | $216 |
| Meramec, MO | $2,500 | $955 | $3,455 | $694 | $3,194 | $261 |
| Pontoon Beach, IL | $100 | $825 | $925 | $600 | $700 | $226 |
| Hillyard, IL | $700 | $556 | $1,256 | $404 | $1,104 | $152 |
| Glen Carbon, IL | $200 | $746 | $946 | $542 | $742 | $204 |
| Laddonia, MO | $1,000 | $763 | $1,763 | $554 | $1,554 | $208 |
| Home Insurance Company Monroe, MO | Homeowners Insurance Agency Monroe, MO | Address | Popularity Score | Distance from Monroe (miles) |
|---|---|---|---|---|
| State Farm | Sandy Vest | 7141 Metropolitan Blvd, Barnhart, MO, 63012-2604 | 48.4 | |
| State Farm | Howard Palmer Sr | 645 Jungermann Rd, Saint Peters, MO, 63376-2700 | 17.9 | |
| Allstate | Adam J. Smith | 635 Salt Lick Rd, Saint Peters, MO, 63376 | 14.4 | |
| Farmers | Kendall Lading | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 18.8 | |
| State Farm | Evelyn Jamison | 519 N. Taylor Ave., St Louis, MO, 63108 | 37.0 | |
| Travelers | Nieroda Insurance Agency | New Town 3225-I Domain Street, St Charles, MO, 63301 | 19.1 | |
| State Farm | Steve Oien | 4131 Mexico Rd, Saint Peters, MO, 63376-6410 | 17.4 | |
| Liberty Mutual Independent | Iroquois Midwest Inc | 223 Salt Lick Rd Ste 260, Saint Peters, MO, 63376 | 14.1 | |
| State Farm | Bob Boston | 4211 S Old Highway 94, Saint Charles, MO, 63304-2848 | 18.8 | |
| State Farm | Lew Fruend | 5047 Highway N, Saint Charles, MO, 63304-7124 | 17.7 |
| 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 | $1,540 | $790 |
| Lincoln County, MO | $154,100 | $1,030 | $700 | $1,420 | $720 |
| Monroe, MO | $152,800 | $927 | $640 | $1,290 | $650 |
| Lake St. Louis, MO | $218,300 | $892 | $640 | $1,260 | $620 |
| Northwest, MO | $136,600 | $1,060 | $730 | $1,490 | $760 |
| Creve Coeur, MO | $234,800 | $1,200 | $820 | $1,700 | $880 |
| Norwood, MO | $68,900 | $801 | $540 | $1,100 | $560 |
| Meramec, MO | $265,500 | $967 | $710 | $1,320 | $610 |
| Pontoon Beach, IL | $89,500 | $835 | $600 | $1,150 | $550 |
| Hillyard, IL | $76,300 | $563 | $400 | $780 | $380 |
| Glen Carbon, IL | $208,200 | $755 | $510 | $1,040 | $530 |
| Laddonia, MO | $56,700 | $772 | $560 | $1,090 | $530 |