How Can I Make My St. Peters, MO Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in St. Peters, MO by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate St. Peters, MO Home Insurance Coverage Levels | Back to Top
| St. Peters, MO - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Oxborough Ct, Riverwood Dr, Allen Dr, Wolverton Ct, Tailing Wheel Ct, Eagle Ridge Dr, Mount Olympus Ct, Kentucky Blue Ridge Ct, Harvest Home Cir, Kaliedoscope Ln | $233,000 | $220,000 | $200,000-$250,000 | $325,000 | $300,000 | $350,000-$400,000 |
| S Willow Grove Ct, Morrow Glen Ct, Trailwoods Dr, Hope Ct, Lemon Tree Ct, Eagle Chase Ct, Willis Rd, Upper Meadow Ln, Lakeside Ct, Charing Cross Ct | $180,500 | $160,000 | $150,000-$175,000 | $142,500 | $130,000 | $125,000-$150,000 |
| Harris Dr, Brookside Dr, Marcia Dr, Covington Pkwy, Quiet Woods Ct, Colby Ct, Country Hill, Eggering Dr, Centre Pointe Ct, Dingledine Rd | $184,000 | $160,000 | $175,000-$200,000 | $147,500 | $130,000 | $125,000-$150,000 |
| Brantleigh Ct, Park St, Wharton St, W Meath Ring, Hollow Tree Ct, Idlewood Ct, Eldorado Dr, Mill Side Dr, Wyatt Dr, Lake Ridge Dr | $317,500 | $280,000 | $300,000-$350,000 | $469,000 | $410,000 | $400,000-$500,000 |
| Briarwick Trl, Edinburgh Dr, Wynchat Dr, Raintree Crossing Ct, Harvest Rust Ct, Walnut Point Ct, Park Valley Dr, Maudie Ln, Shadow Ln, Horstmeier Rd | $118,000 | $100,000 | $100,000-$125,000 | $149,000 | $140,000 | $175,000-$200,000 |
| McMenamy, Parkway Dr, Apple Tree Dr, Brighton Park Dr, Robert Johns Way, Pilot Hill Ct, Winterfield Dr, Dogwood Meadow Ct, The Crossings Ct, Broken Oak Ct | $174,500 | $150,000 | $200,000-$250,000 | $176,500 | $160,000 | $125,000-$150,000 |
| Fischer Ln, Oakshadow Ct, Gentle Breeze Dr, Harvest Gold Ct, Elkhart Lake Rd, Morning Wind Ct, Rodeo Dr, Woodbridge Dr, Teakwood Ct, Newton Ct | $221,000 | $190,000 | $175,000-$200,000 | $250,000 | $200,000 | $200,000-$250,000 |
| Lime Rock Dr, Shadowcreek Dr, Eastbridge Dr, Copper Mountain Ct, Cedarfield Dr, Tr Hughes Blvd, Belleau Dr, Bradford Dr, Snowbird Ct, Treeshade Ct | $98,500 | $80,000 | $100,000-$125,000 | $162,500 | $150,000 | $125,000-$150,000 |
| E Terra Ln, Cedarshade Ct, Lorenzo Ct, Kindred Hill, Fox Ridge Dr, Sunswept Ct, Cactus Junction, Quail Run Ct, St Charles St, Crystal Ridge Dr | $199,500 | $180,000 | $200,000-$250,000 | $362,000 | $340,000 | $300,000-$350,000 |
| Bright Gem Dr, Gold Rush Ct, N Svc Rd, Hidden Lake Dr, Rivercity Pass, Silver Lake Ct, Rustic Meadow Ct, Ardwick Dr, Shady Path Dr, Cherry Tree Dr | $243,000 | $200,000 | $200,000-$250,000 | $241,500 | $210,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in St. Peters, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$203 | $864 |
| Superior Protection Discount | -$107 | $960 |
| Fire & Security Discount | -$75 | $992 |
| Hail Resistant Roof Discount | -$32 | $1,035 |
| Newly Constructed Home Discount | -$267 | $800 |
Choose the Right Deductible for your St. Peters, MO Home | Back to Top
| 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. Charles County | $1,000 | $1,113 | $2,113 | $809 | $1,809 | $304 |
| St. Peters, MO | $2,000 | $1,054 | $3,054 | $766 | $2,766 | $288 |
| Bridgeton, MO | $100 | $788 | $888 | $573 | $673 | $215 |
| St. Ann, MO | $700 | $746 | $1,446 | $542 | $1,242 | $204 |
| New Melle, MO | $200 | $1,298 | $1,498 | $943 | $1,143 | $355 |
| Warson Woods, MO | $2,000 | $1,816 | $3,816 | $1,320 | $3,320 | $496 |
| Rock, MO | $100 | $917 | $1,017 | $666 | $766 | $251 |
| Byrnes Mill, MO | $2,500 | $1,202 | $3,702 | $874 | $3,374 | $329 |
| River View, MO | $300 | $844 | $1,144 | $613 | $913 | $231 |
| Shiloh Valley, IL | $700 | $741 | $1,441 | $539 | $1,239 | $203 |
| St. Jacob, IL | $500 | $822 | $1,322 | $597 | $1,097 | $225 |
| Big Spring, MO | $2,500 | $933 | $3,433 | $678 | $3,178 | $255 |
Identify Top Home Insurance Agents near St. Peters, MO | Back to Top
| Home Insurance Company St. Peters, MO | Homeowners Insurance Agency St. Peters, MO | Address | Popularity Score | Distance from St. Peters (miles) |
|---|---|---|---|---|
| Travelers | Alternatives Insurance | 1101 Gravois Rd Ste D, Fenton, MO, 63026 | 21.0 | |
| Farmers | David Richter | 1020 Rock Creek Elementary School Dr, O Fallon, MO, 63366 | 6.0 | |
| State Farm | Sandy Kessler | 1293 Bryan Rd, O Fallon, MO, 63366-3729 | 7.1 | |
| State Farm | Phil Hamilton | 1585 Kisker Rd Ste D, Saint Peters, MO, 63304-0611 | 2.9 | |
| State Farm | Sandy Kessler | 17539 Chesterfield Airport Rd, Chesterfield, MO, 63005-1301 | 8.0 | |
| Travelers | Heartland Insurance | 2451 Executive Dr Suite 200 St Charles, St. Charles, MO, 63303 | 3.7 | |
| Travelers | Nieroda Insurance Agency | New Town 3225-I Domain Street, St Charles, MO, 63301 | 6.9 | |
| Allstate | Adam J. Smith | 635 Salt Lick Rd, Saint Peters, MO, 63376 | 3.1 | |
| Liberty Mutual Independent | Weiss Insurance Agency | 683 Trade Center Blvd Ste 100, Chesterfield, MO, 63005 | 8.1 | |
| Liberty Mutual Independent | Tri County Agency | 3 E Allen St, Wentzville, MO, 63385 | 13.5 |
Compare Rates for St. Peters, MO Home Insurance Providers | Back to Top
| 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. Charles County, MO | $198,500 | $1,126 | $810 | $1,570 | $760 |
| St. Peters, MO | $170,300 | $1,067 | $730 | $1,470 | $740 |
| Bridgeton, MO | $159,900 | $798 | $580 | $1,100 | $520 |
| St. Ann, MO | $87,000 | $755 | $550 | $1,030 | $480 |
| New Melle, MO | $245,600 | $1,314 | $890 | $1,800 | $910 |
| Warson Woods, MO | $401,400 | $1,838 | $1,300 | $2,630 | $1,330 |
| Rock, MO | $153,300 | $928 | $680 | $1,320 | $640 |
| Byrnes Mill, MO | $200,900 | $1,217 | $820 | $1,730 | $910 |
| River View, MO | $121,900 | $854 | $570 | $1,190 | $620 |
| Shiloh Valley, IL | $204,500 | $750 | $550 | $1,060 | $510 |
| St. Jacob, IL | $170,700 | $832 | $600 | $1,160 | $560 |
| Big Spring, MO | $99,500 | $944 | $670 | $1,340 | $670 |
Research Home Insurance Companies Reviews in St. Peters, MO Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: September 06, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
I have not researched other companies.I moved from out of state so the insurance was purchased online without meeting any agent or representative from the insurance company.
Date: July 14, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
I'm sure that my home insurnce company offers similar policies to other competitive companies in the area. It's pretty difficult to get a company that really stands out.
Date: December 31, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The premium is very attractive, about half of the quote I got through Geico. The yearly increases are extremely modest. This is the best part about Allstate.
Date: December 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
The truth is that the company is excellent in every way, because I have no criticism whatsoever about the way it works, but its rating would be 5
AAA Home Insurance Reviews
Date: February 24, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
AAA has very good customer service and the agent is quite helpful in determining the correct coverages. I would rate AAA a 5.
Progressive Home Insurance Reviews
Date: January 10, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The deductible and premium were about what I wanted to pay and although the deductible was standard, the premium for the policy was much lower and that was a great benefit to me.
Nationwide Home Insurance Reviews
Date: November 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
My experience with home owners insurance is limited to compensation for wind damage from a storm and i would rate it the customer service a 5.
Foremost Insurance Home Insurance Reviews
Date: October 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
I like the fact that I am able to access the information that I need relative to my policy along with easily being able to make payments Thankfully, beyond making the premium payments I have had no need to contact the company however if I did I am certain that direct contact with this company (beyond the internet) would transpire without incident.
Shelter Home Insurance Reviews
Date: August 22, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
My home insurance is bundled with our automobile insurance so overall we are extremely satisfied giving it a 5 for customer service.
Amica Mutual Insurance Home Insurance Reviews
Date: November 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My home insurance policy covers my home and all it's contents including jewelry. It also cover my property including my fence, ,my shed and garage.