Gavop's guide to buying homeowners insurance in St. Clair 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $126,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $146,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $172,500 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $367,000 | $350,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$58 | $669 |
| Home and Two Car | -$124 | $604 |
| Home and Three Car | -$175 | $553 |
| 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. Clair County | $2,000 | $719 | $2,719 | $522 | $2,522 | $196 |
| St. Clair County, MO | $700 | $719 | $1,419 | $522 | $1,222 | $196 |
| Fairview, MO | $500 | $801 | $1,301 | $582 | $1,082 | $219 |
| Schell City, MO | $1,500 | $715 | $2,215 | $520 | $2,020 | $195 |
| West Madison, MO | $2,000 | $810 | $2,810 | $589 | $2,589 | $221 |
| Leeton, MO | $500 | $838 | $1,338 | $609 | $1,109 | $229 |
| Doylesport, MO | $2,000 | $915 | $2,915 | $665 | $2,665 | $250 |
| Adrian, MO | $100 | $926 | $1,026 | $673 | $773 | $253 |
| Austin, MO | $400 | $1,037 | $1,437 | $754 | $1,154 | $284 |
| Golden City, MO | $2,000 | $785 | $2,785 | $571 | $2,571 | $215 |
| Home Insurance Company St. Clair County, MO | Homeowners Insurance Agency St. Clair County, MO | Address | Popularity Score | Distance from St. Clair County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Cook Insurance Agency Inc | 7 N Main St, Butler, MO, 64730 | 34.0 | |
| Travelers | All American Agency Group | 103 E 4th St, Urich, MO, 64788 | 31.5 | |
| State Farm | Kellie Davidson | 3 W Dakota St, Butler, MO, 64730-2007 | 34.0 | |
| State Farm | Karla A Woods | 1336 S Ash St Ste 100, Buffalo, MO, 65622 | 46.2 | |
| State Farm | Giana Andrews | 930 S Spfld Ave, Bolivar, MO, 65613-2460 | 35.3 | |
| Farmers | Heather Diehl | 105 N Orange St, Butler, MO, 64730 | 34.6 | |
| Liberty Mutual Independent | Cook Insurance Agency Inc | 7 N Main St, Butler, MO, 64730 | 34.0 | |
| Travelers | Thom Knott Agency Llc | 152 Wesmor St, Clinton, MO, 64735 | 22.7 | |
| Allstate | Mills And Sons | 110 W Jefferson St, Clinton, MO, 64735 | 22.8 | |
| State Farm | Suzie Brodersen | 1872 Commercial Street, Warsaw, MO, 65355-3037 | 26.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,490 | $760 |
| St. Clair County, MO | $78,500 | $727 | $500 | $1,000 | $500 |
| St. Clair County, MO | $78,500 | $727 | $490 | $1,000 | $510 |
| Fairview, MO | $65,300 | $811 | $560 | $1,130 | $570 |
| Schell City, MO | $46,500 | $724 | $490 | $990 | $500 |
| West Madison, MO | $67,500 | $820 | $550 | $1,130 | $580 |
| Leeton, MO | $74,100 | $848 | $580 | $1,160 | $580 |
| Doylesport, MO | $94,400 | $926 | $630 | $1,290 | $660 |
| Adrian, MO | $97,400 | $937 | $670 | $1,320 | $650 |
| Austin, MO | $133,000 | $1,050 | $720 | $1,460 | $740 |
| Golden City, MO | $61,800 | $795 | $530 | $1,110 | $580 |