Gavop's guide to buying homeowners insurance in Jefferson 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 | $70,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $121,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $199,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $180,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $354,000 | $330,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$185 | $844 |
| Superior Protection Discount | -$103 | $927 |
| Fire & Security Discount | -$93 | $937 |
| Hail Resistant Roof Discount | -$21 | $1,009 |
| Newly Constructed Home Discount | -$237 | $793 |
| 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 |
| Jefferson County | $1,500 | $1,017 | $2,517 | $739 | $2,239 | $278 |
| Jefferson County, MO | $1,500 | $1,017 | $2,517 | $739 | $2,239 | $278 |
| Crystal City, MO | $400 | $1,013 | $1,413 | $736 | $1,136 | $277 |
| Valle, MO | $1,500 | $828 | $2,328 | $602 | $2,102 | $226 |
| Randolph, MO | $300 | $745 | $1,045 | $542 | $842 | $204 |
| University City, MO | $1,500 | $1,194 | $2,694 | $867 | $2,367 | $326 |
| St. Louis, MO | $500 | $849 | $1,349 | $617 | $1,117 | $232 |
| Red Bud, IL | $2,500 | $757 | $3,257 | $550 | $3,050 | $207 |
| Stites, IL | $200 | $349 | $549 | $253 | $453 | $95 |
| Washington Park, IL | $1,000 | $423 | $1,423 | $307 | $1,307 | $116 |
| St. Mary, MO | $400 | $832 | $1,232 | $605 | $1,005 | $227 |
| Brush Creek, MO | $2,000 | $1,087 | $3,087 | $790 | $2,790 | $297 |
| Home Insurance Company Jefferson County, MO | Homeowners Insurance Agency Jefferson County, MO | Address | Popularity Score | Distance from Jefferson County (miles) |
|---|---|---|---|---|
| Travelers | Alternatives Insurance | 1101 Gravois Rd Ste D, Fenton, MO, 63026 | 16.8 | |
| Liberty Mutual Independent | Siebert Agency Ltd | 558 Gravois Rd Ste 200, Fenton, MO, 63026 | 18.5 | |
| State Farm | Sandy Vest | 7141 Metropolitan Blvd, Barnhart, MO, 63012-2604 | 9.7 | |
| Travelers | Siebert Insurance Agency | 558 Gravois Road Suite 200, Fenton, MO, 63026 | 18.5 | |
| Travelers | Comfort Insurance Agency | 720 Jeffco Blvd, Arnold, MO, 63010 | 16.4 | |
| Travelers | The Lavigne Group | 9849 Manchester Rd Ste 3, St Louis, MO, 63119 | 25.7 | |
| Travelers | Partners Insurance Inc | 9201 Watson Rd Ste 222, St Louis, MO, 63126 | 22.8 | |
| Nationwide | Lanham Agency Llc | 15005 Manchester Rd., Ballwin, MO, 63011 | 23.1 | |
| Allstate | Michael Cassara | 536 Old Smizer Mill Rd, Fenton, MO, 63026 | 18.5 | |
| Allstate | Timothy Underwood | 536 Old Smizer Mill Rd, Fenton, MO, 63026 | 18.5 |
| 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 | $1,530 | $780 |
| Jefferson County, MO | $154,100 | $1,030 | $710 | $1,410 | $700 |
| Jefferson County, MO | $154,100 | $1,030 | $730 | $1,470 | $740 |
| Crystal City, MO | $124,500 | $1,025 | $750 | $1,420 | $670 |
| Valle, MO | $115,700 | $838 | $560 | $1,160 | $600 |
| Randolph, MO | $86,800 | $754 | $550 | $1,050 | $500 |
| University City, MO | $238,500 | $1,208 | $860 | $1,670 | $810 |
| St. Louis, MO | $123,800 | $859 | $580 | $1,190 | $610 |
| Red Bud, IL | $140,300 | $766 | $540 | $1,060 | $520 |
| Stites, IL | $32,000 | $353 | $240 | $490 | $250 |
| Washington Park, IL | $46,400 | $428 | $290 | $590 | $300 |
| St. Mary, MO | $72,600 | $842 | $610 | $1,190 | $580 |
| Brush Creek, MO | $151,600 | $1,100 | $760 | $1,530 | $770 |