Gavop shows you how to buy homeowners insurance in Troy, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Troy, 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 | |
| Pear Ct, Rabbit Hill Rd, Pioneer Ln, Co Rd 810, Stoney Edge, Twin Pines Dr, Washington St, Spring Church Rd, Trail Dr, Big Creek Rd | $173,000 | $160,000 | $175,000-$200,000 | $92,000 | $90,000 | $75,000-$100,000 |
| Walnut St, Firehouse Ln, Progress Ct, Aspen Dr, Co Rd 794, Trojan Cir, Cuiver Valley Dr, E 3rd St, Owen Station Rd, Shirley Dr | $148,000 | $140,000 | $150,000-$175,000 | $118,000 | $100,000 | $100,000-$125,000 |
| Creek Hollow Way, Danielle Ct, S Ridge Rd, Co Rd 896, Casmer Dr, Meadow Spring Dr, Twin Falls Dr, Aschoff Ln, Newton St, N Cappel Rd | $206,000 | $170,000 | $175,000-$200,000 | $131,500 | $110,000 | $100,000-$125,000 |
| Turkey Hills Dr, S 3rd St, Co Rd 876, Big Tom Ct, Turkey Roost Ct, Morgan Ln, Chain Cabin Ln, Kathy Ave, Moonlight Dr, Forest Hill Ln | $191,000 | $160,000 | $175,000-$200,000 | $176,000 | $150,000 | $125,000-$150,000 |
| Hazel Dr, Emerald Ct, Queen Dr, Marvin Dr, Braungardt Ln, Co Rd 551, Seth Ln, Old Hwy 47, Gilmore Ln, Bitternut Ct | $147,000 | $130,000 | $100,000-$125,000 | $133,500 | $110,000 | $100,000-$125,000 |
| Co Rd 726, State Hwy Mm, Deer Trl, Martin Rd, Sugar Grove Ln, Briggs Ln, Old Oak Dr, Wellington Dr, Butcher Creek Dr, Co Rd 777 | $202,500 | $180,000 | $175,000-$200,000 | $111,500 | $100,000 | $100,000-$125,000 |
| Shellbark Dr, Old Barn Ln, Snow Hill Ln, Hannah Ct, Co Rd 548, Redwing Ct, Maple St, English Rd, Fairgrounds Rd, Linda Ln | $236,000 | $200,000 | $250,000-$300,000 | $178,000 | $160,000 | $175,000-$200,000 |
| Co Rd 654, Stonebluff Ct, Co Rd 797, Harrison Ln, E Horseshoe Bend Dr, Manda Ct, Westgate Ln, Horstman Ln, Rock Springs Rd, Rolling Meadows Dr | $199,000 | $160,000 | $200,000-$250,000 | $135,500 | $110,000 | $125,000-$150,000 |
| Hanni Ln, Co Rd 889, Co Rd 725, Cuivre River Dr, White Oak Ct, Meadow Brook Ct, Marsha Ln, Stonegate Dr, Bethel Rd, Treasure Island Dr | $152,500 | $130,000 | $175,000-$200,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Grace Dr, Beach-Ann Dr, Surrey Dr, US Hwy 61, Sydnorville Rd, Creekview Ct, Old Salt River Rd, Lake Shore, Fox Run Dr, Spring Branch Rd | $99,500 | $80,000 | $100,000-$125,000 | $72,000 | $60,000 | $50,000-$75,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$72 | $825 |
| Home and Two Car | -$144 | $754 |
| Home and Three Car | -$215 | $682 |
| 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 | $1,500 | $1,017 | $2,517 | $739 | $2,239 | $278 |
| Troy, MO | $2,000 | $886 | $2,886 | $644 | $2,644 | $242 |
| Hardin, IL | $200 | $651 | $851 | $473 | $673 | $178 |
| Charrette, MO | $1,500 | $1,153 | $2,653 | $838 | $2,338 | $315 |
| St. Louis County, MO | $2,000 | $1,077 | $3,077 | $783 | $2,783 | $294 |
| Berkeley, MO | $500 | $667 | $1,167 | $485 | $985 | $182 |
| Olivette, MO | $700 | $1,005 | $1,705 | $730 | $1,430 | $275 |
| Pasadena Park, MO | $200 | $966 | $1,166 | $702 | $902 | $264 |
| Webster Groves, MO | $1,500 | $955 | $2,455 | $694 | $2,194 | $261 |
| South Roxana, IL | $300 | $538 | $838 | $391 | $691 | $147 |
| Home Insurance Company Troy, MO | Homeowners Insurance Agency Troy, MO | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| Farmers | David Richter | 1020 Rock Creek Elementary School Dr, O Fallon, MO, 63366 | 18.8 | |
| Liberty Mutual Independent | Heartland Insurance | 2451 Executive Dr Suite 200 St Charles, St. Charles, MO, 63303 | 27.4 | |
| Travelers | Best Insurance Agency | 9191 W Florissant Ste 201, St Louis, MO, 63136 | 40.8 | |
| State Farm | Ron Mills | 850 E Cherry St Ste C, Troy, MO, 63379-1474 | 0.6 | |
| Travelers | The Lavigne Group | 9849 Manchester Rd Ste 3, St Louis, MO, 63119 | 41.0 | |
| Allstate | Matthew Mitchell | 326 Fort Zumwalt Square, Ofallon, MO, 63366 | 18.6 | |
| State Farm | Jan Grafeman | #1 Grandview Plaza Office Complex Suite 1, Florissant, MO, 63033 | 39.0 | |
| State Farm | Jake Schillinger | 5229 S Grand Blvd, St Louis, MO, 63111-1616 | 47.8 | |
| State Farm | Hugh Bissell | 10807 Big Bend Rd, Kirkwood, MO, 63122-6054 | 41.4 | |
| State Farm | Deanna Carroll | 11780 Manchester Rd, Des Peres, MO, 63131-4328 | 38.9 |
| 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 | $1,540 | $800 |
| Lincoln County, MO | $154,100 | $1,030 | $690 | $1,420 | $730 |
| Troy, MO | $139,500 | $897 | $650 | $1,270 | $620 |
| Hardin, IL | $102,900 | $659 | $470 | $940 | $470 |
| Charrette, MO | $178,900 | $1,167 | $850 | $1,610 | $760 |
| St. Louis County, MO | $181,100 | $1,090 | $740 | $1,490 | $750 |
| Berkeley, MO | $63,700 | $675 | $480 | $960 | $480 |
| Olivette, MO | $293,700 | $1,017 | $720 | $1,390 | $670 |
| Pasadena Park, MO | $109,400 | $978 | $670 | $1,340 | $670 |
| Webster Groves, MO | $265,200 | $966 | $650 | $1,380 | $730 |
| South Roxana, IL | $71,900 | $545 | $390 | $750 | $360 |