How Can I Make My Spanish Lake, MO Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Spanish Lake, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Spanish Lake, MO Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $115,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $157,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $230,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $283,000 | $270,000 | $300,000-$350,000 |
Estimate your Savings with Home Insurance Discounts in Spanish Lake, MO | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $786 |
| Superior Protection Discount | -$97 | $874 |
| Fire & Security Discount | -$87 | $883 |
| Hail Resistant Roof Discount | -$29 | $941 |
| Newly Constructed Home Discount | -$194 | $776 |
Choose the Right Deductible for your Spanish Lake, 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. Louis County | $1,000 | $1,077 | $2,077 | $783 | $1,783 | $294 |
| Spanish Lake, MO | $2,500 | $959 | $3,459 | $697 | $3,197 | $262 |
| Castle Point, MO | $100 | $798 | $898 | $580 | $680 | $218 |
| Dellwood, MO | $2,000 | $703 | $2,703 | $511 | $2,511 | $192 |
| Sycamore Hills, MO | $100 | $928 | $1,028 | $674 | $774 | $254 |
| Olivette, MO | $2,500 | $1,005 | $3,505 | $730 | $3,230 | $275 |
| Shrewsbury, MO | $400 | $794 | $1,194 | $577 | $977 | $217 |
| Twin Oaks, MO | $1,500 | $1,134 | $2,634 | $824 | $2,324 | $310 |
| Benld, IL | $500 | $521 | $1,021 | $378 | $878 | $142 |
| Monroe, MO | $700 | $916 | $1,616 | $666 | $1,366 | $250 |
| Mascoutah, IL | $500 | $671 | $1,171 | $488 | $988 | $183 |
| Pacific, MO | $1,000 | $884 | $1,884 | $642 | $1,642 | $242 |
Identify Top Home Insurance Agents near Spanish Lake, MO | Back to Top
| Home Insurance Company Spanish Lake, MO | Homeowners Insurance Agency Spanish Lake, MO | Address | Popularity Score | Distance from Spanish Lake (miles) |
|---|---|---|---|---|
| State Farm | Anthony Luster | 11706 W Florissant Ave, Florissant, MO, 63033-6743 | 3.2 | |
| Liberty Mutual Independent | Clayton Duff | 430 Main St, Troy, MO, 63379 | 41.2 | |
| Travelers | Best Insurance Agency | 9191 W Florissant Ste 201, St Louis, MO, 63136 | 5.8 | |
| Travelers | Norris Insurance Agency | 801 St Francois, Florissant, MO, 63031 | 4.6 | |
| State Farm | Evelyn Jamison | 519 N. Taylor Ave., St Louis, MO, 63108 | 11.6 | |
| State Farm | Blake Blase | 8 Mullanphy Garden Shpg Ctr, Florissant, MO, 63031-3412 | 5.5 | |
| State Farm | Matt Husband | 301 Saint Francois St, Florissant, MO, 63031-5042 | 4.8 | |
| State Farm | Eric Thomas | 2794a N Highway 67, Florissant, MO, 63033-1402 | 3.2 | |
| State Farm | Lou Kilo | 5151 Mattis Road, St Louis, MO, 63128-2775 | 22.3 | |
| State Farm | Billy Hall | 4424 Woodson Rd, Saint Louis, MO, 63134-3702 | 8.5 |
Compare Rates for Spanish Lake, 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 | $740 | $1,500 | $760 |
| St. Louis County, MO | $181,100 | $1,090 | $800 | $1,550 | $750 |
| Spanish Lake, MO | $119,800 | $971 | $650 | $1,380 | $730 |
| Castle Point, MO | $64,800 | $808 | $550 | $1,110 | $560 |
| Dellwood, MO | $73,800 | $711 | $480 | $980 | $500 |
| Sycamore Hills, MO | $98,000 | $939 | $630 | $1,320 | $690 |
| Olivette, MO | $293,700 | $1,017 | $690 | $1,450 | $760 |
| Shrewsbury, MO | $163,400 | $803 | $550 | $1,130 | $580 |
| Twin Oaks, MO | $170,800 | $1,148 | $820 | $1,600 | $780 |
| Benld, IL | $67,600 | $527 | $380 | $740 | $360 |
| Monroe, MO | $152,800 | $927 | $640 | $1,280 | $640 |
| Mascoutah, IL | $159,300 | $680 | $470 | $970 | $500 |
| Pacific, MO | $138,200 | $895 | $610 | $1,270 | $660 |
Research Home Insurance Companies Reviews in Spanish Lake, MO Before Buying | Back to Top
Share a review on your home insurance company
American Family Home Insurance Reviews
Date: July 11, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
i am mostly satisfied. the office is 2 minutes away and i can walk there. the agent always explaines everything in a way i can understand
Date: July 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
Their offerings are standard. We recently looked at other companies and found more coverages, such as service line protection, that we would like to have.
Progressive Home Insurance Reviews
Date: January 08, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
We did not shop around for insurance because we got it bundled with our auto insurance.
Nationwide Home Insurance Reviews
Date: December 22, 2019 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
I have had a favorable experience with the customer service of my insurance company. When I had an issue I was given access very quickly and my problem was taken care of
Allstate Home Insurance Reviews
Date: July 27, 2019 Age: Above 60 Gender: Male Marital Status: Married
Premium
I do believe I have a fair deductible as always I wish it was lower as I haven't had to use my insurance in the past.
GEICO Home Insurance Reviews
Date: January 01, 2020 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Geico always provided the best customer service. Always patient, kind, and tries their best to help and support. I would totally give them a 5.