Gavop shows you how to buy homeowners insurance in St. John, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $70,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $119,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $129,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $253,000 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $607 |
| Superior Protection Discount | -$66 | $666 |
| Fire & Security Discount | -$73 | $658 |
| Hail Resistant Roof Discount | -$15 | $717 |
| Newly Constructed Home Discount | -$146 | $585 |
| 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. Louis County | $2,500 | $1,077 | $3,577 | $783 | $3,283 | $294 |
| St. John, MO | $700 | $723 | $1,423 | $525 | $1,225 | $198 |
| Florissant, MO | $100 | $881 | $981 | $640 | $740 | $241 |
| Washington Park, IL | $1,000 | $423 | $1,423 | $307 | $1,307 | $116 |
| East Alton, IL | $200 | $818 | $1,018 | $595 | $795 | $224 |
| Marine, IL | $2,500 | $816 | $3,316 | $593 | $3,093 | $223 |
| Woodville, IL | $300 | $780 | $1,080 | $567 | $867 | $213 |
| Grantfork, IL | $1,500 | $735 | $2,235 | $534 | $2,034 | $201 |
| Wright City, MO | $500 | $1,053 | $1,553 | $765 | $1,265 | $288 |
| Elsberry, MO | $1,500 | $889 | $2,389 | $646 | $2,146 | $243 |
| Litchfield, IL | $500 | $825 | $1,325 | $600 | $1,100 | $226 |
| Home Insurance Company St. John, MO | Homeowners Insurance Agency St. John, MO | Address | Popularity Score | Distance from St. John (miles) |
|---|---|---|---|---|
| State Farm | Tania Interian | 12084 Manchester Rd, Des Peres, MO, 63131-4401 | 9.2 | |
| Travelers | Best Insurance Agency | 9191 W Florissant Ste 201, St Louis, MO, 63136 | 4.0 | |
| Travelers | Meadow Park Insurance Agency | 8510 Olive Blvd, St Louis, MO, 63132 | 2.9 | |
| State Farm | Kathy Bowden | 12119 St Charls Rck Rd, Bridgeton, MO, 63044-2602 | 4.9 | |
| Farmers | Brian Hermann | 120 N Central Ave, Eureka, MO, 63025 | 21.1 | |
| Travelers | Lindenwood Agency Inc | 800 Clark St, St Charles, MO, 63301 | 9.2 | |
| Travelers | Premier Insurance Agency | 11400 Concord Village Ave. Suite D, St Louis, MO, 63123 | 13.1 | |
| State Farm | Ryan Vardeman | 12287 Olive Blvd, Creve Coeur, MO, 63141-6630 | 6.6 | |
| Travelers | The Naeger Family Ins Agencies Llc | 4657 Hampton Ave, St Louis, MO, 63109 | 9.2 | |
| Allstate | Matt Stark | 8229 Clayton Rd Ste 200, Saint Louis, MO, 63117 | 5.3 |
| 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 | $1,490 | $740 |
| St. Louis County, MO | $181,100 | $1,090 | $730 | $1,560 | $830 |
| St. John, MO | $79,800 | $732 | $490 | $1,020 | $530 |
| Florissant, MO | $95,200 | $892 | $620 | $1,240 | $620 |
| Washington Park, IL | $46,400 | $428 | $310 | $590 | $280 |
| East Alton, IL | $81,400 | $828 | $560 | $1,180 | $620 |
| Marine, IL | $167,600 | $826 | $590 | $1,130 | $540 |
| Woodville, IL | $150,000 | $789 | $570 | $1,100 | $530 |
| Grantfork, IL | $131,900 | $744 | $510 | $1,050 | $540 |
| Wright City, MO | $138,600 | $1,066 | $780 | $1,460 | $680 |
| Elsberry, MO | $87,400 | $900 | $620 | $1,250 | $630 |
| Litchfield, IL | $76,900 | $835 | $590 | $1,180 | $590 |