Gavop shows you how to buy homeowners insurance in Mercer County, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Mercer County, MO - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 324th St, Mockingbird Loop, Mediteranean Ave, S State St, Comb Ave, Main St, Biscay Ct, Coronado St, Co Rd Bb, W Missouri St | $79,000 | $70,000 | $75,000-$100,000 | $107,500 | $90,000 | $100,000-$125,000 |
| Flagpole Rd, W Main St, Douglas Loop, Washington St, Hagar Pl, US Hwy 136, Caspian Ave, Mediterranean Ave, N College St, Award St | $78,000 | $60,000 | $50,000-$75,000 | $113,000 | $110,000 | $75,000-$100,000 |
| Atlantic Ct, Alley St, Coleman St, Lake Marie Dr, S Truax St, Nichols Rd, E Hickland St, N Washington St, S Walnut St, Hayrack | $82,000 | $70,000 | $75,000-$100,000 | $78,500 | $70,000 | $50,000-$75,000 |
| N Dekalb St, Cherry St, Baltic Ct, E Coleman St, Brown St, State Hwy E, Caribbean Ave, N Bay St, Gate Pl, Graham St | $82,000 | $70,000 | $75,000-$100,000 | $83,500 | $70,000 | $50,000-$75,000 |
| State Hwy Ff, Water St, Bull Head Pl, Lakeview St, US Hwy 65, Dekalb, S College Ave, W Elm St, Kayak, Cain St | $79,000 | $70,000 | $75,000-$100,000 | $140,000 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $615 |
| Superior Protection Discount | -$74 | $667 |
| Fire & Security Discount | -$74 | $667 |
| Hail Resistant Roof Discount | -$15 | $726 |
| Newly Constructed Home Discount | -$193 | $548 |
| 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 |
| Mercer County | $700 | $732 | $1,432 | $532 | $1,232 | $200 |
| Mercer County, MO | $2,000 | $732 | $2,732 | $532 | $2,532 | $200 |
| Lineville, IA | $400 | $421 | $821 | $306 | $706 | $115 |
| Harrison County, MO | $2,500 | $700 | $3,200 | $508 | $3,008 | $191 |
| Leisure Lake, MO | $400 | $867 | $1,267 | $630 | $1,030 | $237 |
| Numa, IA | $2,500 | $609 | $3,109 | $442 | $2,942 | $166 |
| Whitebreast, IA | $1,000 | $823 | $1,823 | $598 | $1,598 | $225 |
| Wheeling, MO | $100 | $768 | $868 | $558 | $658 | $210 |
| Irena, MO | $1,500 | $1,067 | $2,567 | $775 | $2,275 | $292 |
| Fletchall, MO | $300 | $753 | $1,053 | $547 | $847 | $206 |
| Livonia, MO | $2,500 | $633 | $3,133 | $460 | $2,960 | $173 |
| Home Insurance Company Mercer County, MO | Homeowners Insurance Agency Mercer County, MO | Address | Popularity Score | Distance from Mercer County (miles) |
|---|---|---|---|---|
| State Farm | David Cochran | 2910 Oklahoma Ave, Trenton, MO, 64683-3405 | 22.9 | |
| Travelers | Robertson Insurance Services | 417 Locust St, Chillicothe, MO, 64601 | 43.5 | |
| State Farm | Chris Trout | 800 Washington St, Chillicothe, MO, 64601-2232 | 43.2 | |
| Farmers | Scott Crose | 402 N Main St, Gallatin, MO, 64640 | 40.5 | |
| Farmers | Sandra Youngs | 700 Es Highway 136, Albany, MO, 64402 | 42.2 | |
| State Farm | Tim Tadlock | 122 N Market St, Gallatin, MO, 64640-1156 | 40.7 | |
| Allstate | Scott Ellis | 424 Washington St Ste A, Chillicothe, MO, 64601 | 43.5 | |
| State Farm | Mike Shields | 3107 Miller St, Bethany, MO, 64424-2712 | 26.3 | |
| Liberty Mutual Independent | Robbins & Black Ins Agency | 1818 E 9th St, Trenton, MO, 64683 | 24.0 | |
| Travelers | Global Green Insurance Agency | 3109 Cedar Ln, Chillicothe, MO, 64601 | 43.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $740 | $1,540 | $800 |
| Mercer County, MO | $82,500 | $741 | $500 | $1,060 | $560 |
| Mercer County, MO | $82,500 | $741 | $500 | $1,020 | $520 |
| Lineville, IA | $44,200 | $426 | $300 | $600 | $300 |
| Harrison County, MO | $72,800 | $708 | $490 | $1,010 | $520 |
| Leisure Lake, MO | $81,500 | $878 | $630 | $1,220 | $590 |
| Numa, IA | $80,600 | $616 | $450 | $870 | $420 |
| Whitebreast, IA | $138,700 | $833 | $590 | $1,190 | $600 |
| Wheeling, MO | $57,700 | $777 | $570 | $1,110 | $540 |
| Irena, MO | $143,800 | $1,080 | $780 | $1,520 | $740 |
| Fletchall, MO | $54,500 | $762 | $530 | $1,050 | $520 |
| Livonia, MO | $30,600 | $641 | $460 | $880 | $420 |