Gavop shows you how to buy homeowners insurance in St. Francois, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| St. Francois, 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 | |
| River St, Robby Ln, N Potosi St, S Ravencrest St, Log Cabin Ln, Harris Rd, Hwy B, State Rd T, Holly Tree Rd, Jacobs Creek Rd | $160,500 | $150,000 | $150,000-$175,000 | $126,000 | $110,000 | $100,000-$125,000 |
| Forster St, Pacific, Woodlawn Dr, Kirkwood Dr, E 5th St, S Harry Junior St, Watson Rd, Gallatin Dr, Blue Jay Ln, State Hwy W | $92,500 | $80,000 | $75,000-$100,000 | $85,500 | $80,000 | $75,000-$100,000 |
| Woodbine St, Parkway Dr, Jennings St, Unidentified Rd, Houser, High St, Varvera Rd, Weber Rd, Karie Ln, Rivercrest Dr | $130,000 | $120,000 | $100,000-$125,000 | $117,500 | $110,000 | $100,000-$125,000 |
| Moll Dr, N Franklin St, Jarred Dr, Klob Dr, Babiak Rd, Schilling Rd, Ellis Rd, Possum Hollow Rd, Rolla Dr, Main St | $121,500 | $100,000 | $125,000-$150,000 | $160,500 | $150,000 | $175,000-$200,000 |
| Northgate St, Roselane Ct, N Madison St, Fern Ln, Crossover Ridge Rd, N Country Lane Dr, Unid Ln West of Farm Rd, Columbia St, Hurryville Rd, Lewis Rd | $95,000 | $90,000 | $100,000-$125,000 | $72,500 | $70,000 | $75,000-$100,000 |
| Henson Rd, Roy St, Walter St, Thomas Rd, Kimberly Ct, Leeann Dr, West Dr, Gettinger, Clemons Rd, S School St | $153,000 | $140,000 | $175,000-$200,000 | $111,000 | $100,000 | $100,000-$125,000 |
| Michael Ln, Meramec Ave, Jane Dr, Lashley Ln, Wash St, Evanko Rd, Eaton Ave, Newcomer Ln, East St, Vandergriff St | $129,500 | $110,000 | $125,000-$150,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Stone Horse, Mexico Dr, Woodland Hills Ct, Park St, Mo Rte A, College St, E Chestnut St, Old Fredericktown Rd, Dogwood Dr, Brookfield Dr | $91,500 | $80,000 | $100,000-$125,000 | $61,000 | $50,000 | $50,000-$75,000 |
| Woodfield Ct, Doubet Rd, Jack Lewis Rd, Dove, Mill St, W 1st St, Coldwater Creek Rd, McCormick Dr, Cedar Lane Dr, Rocky Top Trl | $150,500 | $130,000 | $175,000-$200,000 | $80,500 | $70,000 | $50,000-$75,000 |
| S Madison St, S Mo Rte A, S Country Ln, Mo Rte A, Highway W, Groom Rd, Holiday Park Dr, Conway Rd, Red Rooster Rd, Scenic Trl | $121,000 | $110,000 | $100,000-$125,000 | $97,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$144 | $701 |
| Superior Protection Discount | -$85 | $761 |
| Fire & Security Discount | -$76 | $769 |
| Hail Resistant Roof Discount | -$25 | $820 |
| Newly Constructed Home Discount | -$211 | $634 |
| 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. Francois County | $1,000 | $930 | $1,930 | $675 | $1,675 | $254 |
| St. Francois, MO | $1,500 | $835 | $2,335 | $607 | $2,107 | $228 |
| Arcadia, MO | $100 | $749 | $849 | $545 | $645 | $205 |
| Ste. Genevieve, MO | $2,500 | $897 | $3,397 | $652 | $3,152 | $245 |
| Brewer, MO | $100 | $1,079 | $1,179 | $784 | $884 | $295 |
| Lesterville, MO | $1,000 | $925 | $1,925 | $672 | $1,672 | $253 |
| Hecker, IL | $2,500 | $715 | $3,215 | $520 | $3,020 | $195 |
| Precinct, IL | $400 | $994 | $1,394 | $722 | $1,122 | $272 |
| Tesson Ferry, MO | $1,000 | $880 | $1,880 | $640 | $1,640 | $241 |
| Sullivan, MO | $500 | $798 | $1,298 | $580 | $1,080 | $218 |
| West Sullivan, MO | $1,500 | $913 | $2,413 | $663 | $2,163 | $249 |
| Home Insurance Company St. Francois, MO | Homeowners Insurance Agency St. Francois, MO | Address | Popularity Score | Distance from St. Francois (miles) |
|---|---|---|---|---|
| State Farm | Kelly Ruby | 54 The Legends Pkwy Ste 159, Eureka, MO, 63025-3803 | 49.2 | |
| Travelers | Alternatives Insurance | 1101 Gravois Rd Ste D, Fenton, MO, 63026 | 48.3 | |
| Travelers | Siebert Insurance Agency | 520 Gravois Rd, Fenton, MO, 63026 | 49.4 | |
| Travelers | Siebert Insurance Agency | 558 Gravois Road Suite 200, Fenton, MO, 63026 | 49.4 | |
| Allstate | Michael Cassara | 536 Old Smizer Mill Rd, Fenton, MO, 63026 | 49.6 | |
| State Farm | Jerry Grindstaff | 1147 E Gannon Dr, Festus, MO, 63028-2611 | 28.7 | |
| State Farm | Larry Merrill | 201 W Main St, Fredericktown, MO, 63645-1127 | 18.2 | |
| Allstate | Timothy Underwood | 536 Old Smizer Mill Rd, Fenton, MO, 63026 | 49.6 | |
| Travelers | Dierker Knobbe Insurance Services | 3522 Lemay Ferry Road, St Louis, MO, 63125 | 49.8 | |
| State Farm | Jim Sowers | 910 Benham St, Bonne Terre, MO, 63628-1306 | 10.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $770 | $1,540 | $770 |
| St. Francois County, MO | $110,200 | $941 | $630 | $1,330 | $700 |
| St. Francois, MO | $118,200 | $845 | $620 | $1,200 | $580 |
| Arcadia, MO | $88,100 | $759 | $550 | $1,080 | $530 |
| Ste. Genevieve, MO | $144,100 | $908 | $640 | $1,250 | $610 |
| Brewer, MO | $148,200 | $1,092 | $750 | $1,510 | $760 |
| Lesterville, MO | $97,300 | $936 | $650 | $1,300 | $650 |
| Hecker, IL | $124,400 | $724 | $510 | $1,020 | $510 |
| Precinct, IL | $277,700 | $1,006 | $730 | $1,430 | $700 |
| Tesson Ferry, MO | $217,800 | $891 | $640 | $1,220 | $580 |
| Sullivan, MO | $104,600 | $808 | $580 | $1,160 | $580 |
| West Sullivan, MO | $93,700 | $924 | $630 | $1,270 | $640 |