Gavop's guide to buying homeowners insurance in St. Michael, 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.
| St. Michael, MO - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Madison 424, Lincoln Dr, Madison 411, Co Rd 433, State Hwy A, de Guire St, Co Rd 505, Madison 9329, Madison 211, Kingsbury Blvd | $77,000 | $70,000 | $75,000-$100,000 | $87,000 | $80,000 | $75,000-$100,000 |
| Co Rd 222, State Hwy V, Lee St, Co Rd 502, Madison 201, Westside Dr, Co Rd 529, Madison 238, Madison 9581, State Hwy D | $72,000 | $60,000 | $75,000-$100,000 | $94,000 | $80,000 | $75,000-$100,000 |
| Madison 245, Co Rd 208, Madison 303, Axtel St, Madison 208, Madison 222, Co Rd 9547, Co Rd 455, Madison 221, Co Rd 506 | $78,500 | $70,000 | $75,000-$100,000 | $92,500 | $90,000 | $100,000-$125,000 |
| State Hwy E, Co Rd 443, Madison 302, Eugenia St, Madison 229, Co Rd 525, Madison 236, Co Rd 212, Madison 232, Collier St | $61,000 | $60,000 | $50,000-$75,000 | $105,000 | $90,000 | $100,000-$125,000 |
| Co Rd 2145, Co Rd 206, Madison 239, Madison 255, State Hwy 00, Henry St, Co Rd 208, Co Rd 237, Madison 536, Madison 423 | $106,000 | $90,000 | $125,000-$150,000 | $102,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $639 |
| Superior Protection Discount | -$69 | $700 |
| Fire & Security Discount | -$77 | $692 |
| Hail Resistant Roof Discount | -$15 | $754 |
| Newly Constructed Home Discount | -$169 | $600 |
| 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 |
| Madison County | $1,500 | $784 | $2,284 | $570 | $2,070 | $214 |
| St. Michael, MO | $1,500 | $760 | $2,260 | $552 | $2,052 | $208 |
| Cherokee Pass, MO | $100 | $962 | $1,062 | $699 | $799 | $263 |
| Iron Mountain Lake, MO | $1,500 | $670 | $2,170 | $487 | $1,987 | $183 |
| Glen Allen, MO | $300 | $889 | $1,189 | $646 | $946 | $243 |
| Iron County, MO | $2,500 | $734 | $3,234 | $533 | $3,033 | $200 |
| Terre du Lac, MO | $200 | $1,064 | $1,264 | $773 | $973 | $291 |
| Wayne, MO | $1,500 | $826 | $2,326 | $600 | $2,100 | $226 |
| Potosi, MO | $300 | $910 | $1,210 | $661 | $961 | $249 |
| Welch, MO | $2,000 | $887 | $2,887 | $645 | $2,645 | $242 |
| Plattin, MO | $500 | $808 | $1,308 | $587 | $1,087 | $221 |
| Pike, MO | $700 | $896 | $1,596 | $651 | $1,351 | $245 |
| Home Insurance Company St. Michael, MO | Homeowners Insurance Agency St. Michael, MO | Address | Popularity Score | Distance from St. Michael (miles) |
|---|---|---|---|---|
| Farmers | Dennis Hovis | 400 S Main St, Piedmont, MO, 63957 | 35.1 | |
| Travelers | Wright Financial Inc | 1108 N Truman Blvd, Crystal City, MO, 63019 | 47.6 | |
| State Farm | Denny Long | 1185 Scenic Dr Ste 149, Herculaneum, MO, 63048-1433 | 49.7 | |
| State Farm | Chris Morrison | 8 E Harrison St, Farmington, MO, 63640-1859 | 17.6 | |
| Allstate | The Chase Agency | 10193 W State Hwy E Ste A, Potosi, MO, 63664 | 37.9 | |
| Farmers | Bard Womack | 1720 Kings Way Dr Unit 104, Cape Girardeau, MO, 63701 | 42.6 | |
| State Farm | Jerry Grindstaff | 1147 E Gannon Dr, Festus, MO, 63028-2611 | 46.4 | |
| State Farm | Larry Merrill | 201 W Main St, Fredericktown, MO, 63645-1127 | 1.0 | |
| State Farm | Jim Sowers | 910 Benham St, Bonne Terre, MO, 63628-1306 | 29.4 | |
| State Farm | Mike Klaus | 402 S 2nd St, De Soto, MO, 63020-2007 | 43.2 |
| 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 | $1,500 | $750 |
| Madison County, MO | $99,800 | $794 | $560 | $1,100 | $540 |
| St. Michael, MO | $91,500 | $769 | $530 | $1,050 | $520 |
| Cherokee Pass, MO | $108,300 | $974 | $690 | $1,380 | $690 |
| Iron Mountain Lake, MO | $37,500 | $678 | $490 | $930 | $440 |
| Glen Allen, MO | $87,300 | $900 | $660 | $1,230 | $570 |
| Iron County, MO | $83,100 | $743 | $540 | $1,050 | $510 |
| Terre du Lac, MO | $142,600 | $1,077 | $720 | $1,530 | $810 |
| Wayne, MO | $71,300 | $836 | $580 | $1,150 | $570 |
| Potosi, MO | $93,000 | $921 | $620 | $1,320 | $700 |
| Welch, MO | $86,900 | $898 | $660 | $1,280 | $620 |
| Plattin, MO | $171,600 | $818 | $600 | $1,120 | $520 |
| Pike, MO | $89,100 | $907 | $650 | $1,250 | $600 |