Gavop's guide to buying homeowners insurance in Eureka, 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.
| Eureka, MO - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hwy 100, Chestnut Bluff Dr, Franklin Rd, Sq 109, The Legends Pkwy, Thorntree Ln, Mystic Valley Dr, E 2nd St, Walden Dr, Wilderness Way Dr | $245,000 | $220,000 | $250,000-$300,000 | $296,500 | $250,000 | $300,000-$350,000 |
| Stockell Dr, Wellington Woods Ct, Georgiana Sq, Grace View Ct, Elm Trail Dr, Brewster Rd, W 1st St, Hencken Rd, Wellington Woods Dr, Hunters Ford Rd | $495,500 | $470,000 | $400,000-$500,000 | $296,500 | $270,000 | $200,000-$250,000 |
| S Outer Rd E, Whitsett Fork Rd, Huntercombe, Niehoff Dr, Bald Hill Rd, W Spring River Ranch Rd, Beard Dr, Williams, Schmelz Dr, Hogan Cir | $519,500 | $470,000 | $500,000-$600,000 | $212,000 | $180,000 | $200,000-$250,000 |
| Wildwood View Ct, Thunder Ridge Rd, Hidden Valley Forest Dr, Colts Foot Ct, Meramec Manor, Bittersweet Hills Dr, Maureen Dr, E Orleans St, Indian Ridge Est, Grace View Dr | $393,500 | $350,000 | $400,000-$500,000 | $339,000 | $300,000 | $350,000-$400,000 |
| Hunters Chase Dr, Walton Dr, Spring Cove Ct, High View Dr, Hilltop Village Center Dr, Rathbun Hills Ct, Hollow View Ct, Eagles View Ct, Enderwood Pl, Neosho St | $377,500 | $350,000 | $300,000-$350,000 | $288,000 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $788 |
| Superior Protection Discount | -$94 | $844 |
| Fire & Security Discount | -$103 | $835 |
| Hail Resistant Roof Discount | -$28 | $910 |
| Newly Constructed Home Discount | -$206 | $731 |
| 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 | $2,000 | $1,077 | $3,077 | $783 | $2,783 | $294 |
| Eureka, MO | $700 | $927 | $1,627 | $673 | $1,373 | $253 |
| Missouri River, MO | $300 | $1,139 | $1,439 | $828 | $1,128 | $311 |
| Frontier, MO | $1,000 | $857 | $1,857 | $623 | $1,623 | $234 |
| Hickory Grove, MO | $100 | $841 | $941 | $611 | $711 | $230 |
| Miramiguoa Park, MO | $700 | $923 | $1,623 | $671 | $1,371 | $252 |
| Prairie Du Long, IL | $300 | $924 | $1,224 | $671 | $971 | $252 |
| Elsah, IL | $1,000 | $767 | $1,767 | $557 | $1,557 | $210 |
| Burr Oak, MO | $500 | $977 | $1,477 | $710 | $1,210 | $267 |
| Breton, MO | $700 | $754 | $1,454 | $548 | $1,248 | $206 |
| Edwardsville, IL | $500 | $848 | $1,348 | $616 | $1,116 | $232 |
| Truxton, MO | $1,000 | $890 | $1,890 | $647 | $1,647 | $243 |
| Home Insurance Company Eureka, MO | Homeowners Insurance Agency Eureka, MO | Address | Popularity Score | Distance from Eureka (miles) |
|---|---|---|---|---|
| Travelers | Alternatives Insurance | 1101 Gravois Rd Ste D, Fenton, MO, 63026 | 9.4 | |
| State Farm | Steve Martinez | 104 Holloway Road, Ballwin, MO, 63011-3215 | 8.7 | |
| Allstate | Steven Misuraca | 516 Meramec Station Rd, Valley Park, MO, 63088 | 9.5 | |
| State Farm | Greg Rollins | 17 Stonegate Shopping Ctr, Manchester, MO, 63088-1215 | 9.6 | |
| Allstate | Lisa M. Clemente | 110a Holloway Rd, Ballwin, MO, 63011 | 8.7 | |
| Nationwide | Lanham Agency Llc | 15005 Manchester Rd., Ballwin, MO, 63011 | 8.5 | |
| Liberty Mutual Independent | Dewitt Insurance | 1011 Howard George Dr, Manchester, MO, 63021 | 9.9 | |
| State Farm | Troy Pieper | 16168 Westwood Bus Park Dr, Ellisville, MO, 63021-4500 | 7.0 | |
| State Farm | Dan Stegmann | 317 Clarkson Rd Ste 103, Ellisville, MO, 63011-2271 | 7.9 | |
| Allstate | Daniel Zinselmeier | 53 Nationalway Shopping Ctr, Ballwin, MO, 63011 | 10.0 |
| 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 | $1,500 | $760 |
| St. Louis County, MO | $181,100 | $1,090 | $730 | $1,500 | $770 |
| Eureka, MO | $247,600 | $938 | $680 | $1,320 | $640 |
| Missouri River, MO | $464,800 | $1,153 | $830 | $1,580 | $750 |
| Frontier, MO | $202,500 | $867 | $620 | $1,210 | $590 |
| Hickory Grove, MO | $191,900 | $851 | $580 | $1,180 | $600 |
| Miramiguoa Park, MO | $96,700 | $934 | $660 | $1,320 | $660 |
| Prairie Du Long, IL | $231,400 | $935 | $650 | $1,340 | $690 |
| Elsah, IL | $144,400 | $776 | $520 | $1,060 | $540 |
| Burr Oak, MO | $112,800 | $989 | $670 | $1,370 | $700 |
| Breton, MO | $89,700 | $764 | $520 | $1,090 | $570 |
| Edwardsville, IL | $199,600 | $858 | $610 | $1,220 | $610 |
| Truxton, MO | $87,500 | $901 | $620 | $1,240 | $620 |