Gavop's guide to buying homeowners insurance in St. Charles County, 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. Charles County, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| N Gatty St, Tuckahoe Cir, Lime St, Ballantrae Dr, Upper Bottom Rd, Shepherds Hill Cir, Old Mill Pkwy, Jay Ct, Oak Grove Ct, Morning View Ct | $125,000 | $110,000 | $125,000-$150,000 | $197,000 | $160,000 | $200,000-$250,000 |
| Frederick Dr, Braewood Cir, Hampton Woods Ln, Fairview Summit, Walnut Springs Ct, Pearson Ct, August Lake Dr, Villa Blanc Ct, Churchill Downs Dr, Pioneer Pt | $362,500 | $300,000 | $400,000-$500,000 | $407,500 | $380,000 | $300,000-$350,000 |
| Elfrink Ln, Brendonberry Ct, Charterview Ct, Bedford Pointe Ct, Saddlebrook Dr, Congress Way, Gittemeier, Winter Forest Ct, Benefit St, Bluffview Ct | $160,500 | $150,000 | $175,000-$200,000 | $270,000 | $230,000 | $200,000-$250,000 |
| Hemingway Ln, Chip Dr, Woodlawn Ave, Mayfair Rd, Baltusrol Dr, Laurel Ln, New Freedom Way, Crystal Crossing Ln, Robert Ridge Dr, Park Ashwood Ct | $201,500 | $170,000 | $150,000-$175,000 | $215,500 | $190,000 | $200,000-$250,000 |
| O Fallan Dr, Barberry Ct, Becker Joerling Rd, Schroeder Grove Dr, Debrecht Hill Dr, Braid Hill Dr, Iffrig Rd, Jacobs Station Rd, Trailwynd Ct, Flanders Dr | $214,000 | $180,000 | $175,000-$200,000 | $180,000 | $160,000 | $150,000-$175,000 |
| Grand Stables Dr, Flagstone Ln, Rosebury Ct, Falcon Woods Ct, Elder Court Dr, Boschert Dr, Delaware Dr, Hwy M, Rocky Mound Dr, Boars Head Ct | $197,000 | $170,000 | $150,000-$175,000 | $261,500 | $240,000 | $250,000-$300,000 |
| Cambridge Crossing Dr, Saint Paul Rd, Busdieker Dr, Freese Heritage Ln, Ardsley Dr, Windstream, Grant Ct, Lake Hollow Dr, Spruce Forest Dr, Onondaga Trl | $432,000 | $350,000 | $400,000-$500,000 | $632,000 | $530,000 | $500,000-$600,000 |
| Colgate Dr, Lamplighter Way, Branch Ln, Essex Dr, Maple Glen Ct, Whetstone Dr, Glenallen Ct, Arrow Ln, Red Feather Ct, S Wisteria Dr | $241,500 | $200,000 | $200,000-$250,000 | $285,500 | $260,000 | $250,000-$300,000 |
| Niblic Dr, Guinevere Ct, Bentbrook Ct, Westminister Dr, Atkinson Way, Cambridge Crossing Ct, Marion, Candlewick Ct, Winding Oaks Cir, Laclede Dr | $122,500 | $110,000 | $125,000-$150,000 | $158,000 | $130,000 | $175,000-$200,000 |
| Eagles Landing Dr, Majestic Ct, Santa Fe Trail Ct, Ravens Point Dr, Huck Finn Dr, Lake Park Ct, Savannah Hill Dr, Eagle Bluff Ln, Dardenne Links Dr, Wentzville Pkwy | $176,500 | $150,000 | $200,000-$250,000 | $192,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$214 | $912 |
| Superior Protection Discount | -$113 | $1,014 |
| Fire & Security Discount | -$90 | $1,036 |
| Hail Resistant Roof Discount | -$34 | $1,092 |
| Newly Constructed Home Discount | -$304 | $822 |
| 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 |
| St. Charles County | $2,500 | $1,113 | $3,613 | $809 | $3,309 | $304 |
| St. Charles County, MO | $1,500 | $1,113 | $2,613 | $809 | $2,309 | $304 |
| Winchester, MO | $300 | $1,064 | $1,364 | $773 | $1,073 | $291 |
| Bonhomme, MO | $2,000 | $962 | $2,962 | $699 | $2,699 | $263 |
| Ferguson, MO | $400 | $853 | $1,253 | $620 | $1,020 | $233 |
| Pine Lawn, MO | $700 | $732 | $1,432 | $532 | $1,232 | $200 |
| Lemay, MO | $400 | $962 | $1,362 | $699 | $1,099 | $263 |
| Cedar Hill Lakes, MO | $700 | $883 | $1,583 | $642 | $1,342 | $241 |
| Foster, IL | $100 | $865 | $965 | $629 | $729 | $237 |
| Kane, IL | $2,000 | $564 | $2,564 | $410 | $2,410 | $154 |
| Pin Oak, IL | $100 | $983 | $1,083 | $714 | $814 | $269 |
| Miramiguoa Park, MO | $2,000 | $923 | $2,923 | $671 | $2,671 | $252 |
| Home Insurance Company St. Charles County, MO | Homeowners Insurance Agency St. Charles County, MO | Address | Popularity Score | Distance from St. Charles County (miles) |
|---|---|---|---|---|
| Farmers | Julie Gillani | 700 Crown Industrial Ct Ste A, Chesterfield, MO, 63005 | 8.0 | |
| State Farm | Phil Hamilton | 1585 Kisker Rd Ste D, Saint Peters, MO, 63304-0611 | 4.0 | |
| State Farm | Sandy Kessler | 17539 Chesterfield Airport Rd, Chesterfield, MO, 63005-1301 | 8.4 | |
| Farmers | Jonathan Clark | 8065 Mexico Rd Ste 200, Saint Peters, MO, 63376 | 0.5 | |
| State Farm | Howard Palmer Sr | 645 Jungermann Rd, Saint Peters, MO, 63376-2700 | 5.2 | |
| Travelers | Nieroda Insurance Agency | New Town 3225-I Domain Street, St Charles, MO, 63301 | 10.4 | |
| Liberty Mutual Independent | Dan Alabach Group | 100 Chesterfield Business Pkwy Ste 200, Chesterfield, MO, 63005 | 8.4 | |
| Travelers | I Insure Lc | 3159 Fee Fee Rd Ste 222, Bridgeton, MO, 63044 | 14.4 | |
| State Farm | Mark Stellern | 1600 Heritage Lndg Ste 204, Saint Peters, MO, 63303-8488 | 7.0 | |
| Travelers | Lang Insurance Service | 3920 S Old Hwy 94 Ste 39, St Charles, MO, 63304 | 5.4 |
| 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 |
| St. Charles County, MO | $198,500 | $1,126 | $810 | $1,590 | $780 |
| St. Charles County, MO | $198,500 | $1,126 | $810 | $1,550 | $740 |
| Winchester, MO | $142,600 | $1,077 | $720 | $1,540 | $820 |
| Bonhomme, MO | $269,500 | $973 | $660 | $1,330 | $670 |
| Ferguson, MO | $87,100 | $863 | $620 | $1,230 | $610 |
| Pine Lawn, MO | $50,000 | $741 | $510 | $1,030 | $520 |
| Lemay, MO | $120,700 | $973 | $670 | $1,350 | $680 |
| Cedar Hill Lakes, MO | $85,800 | $894 | $650 | $1,230 | $580 |
| Foster, IL | $194,600 | $876 | $640 | $1,240 | $600 |
| Kane, IL | $78,500 | $571 | $420 | $810 | $390 |
| Pin Oak, IL | $270,700 | $995 | $730 | $1,360 | $630 |
| Miramiguoa Park, MO | $96,700 | $934 | $660 | $1,330 | $670 |