How Can I Make My Lake St. Louis, MO Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Lake St. Louis, MO by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Lake St. Louis, MO Home Insurance Coverage Levels | Back to Top
| Lake St. Louis, 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 | |
| Vienna Ct, E Ofallan, Winged Foot Ct, Palmer Ct, Manuka Dr, Fiddlers Dr, Breezy Knoll Ln, O'Fallon Dr, Evesham E, Quakers Pl | $232,500 | $200,000 | $200,000-$250,000 | $234,500 | $190,000 | $200,000-$250,000 |
| Hickory Wood Dr, Folk Art Ct, Indian Springs Ct, Mark Twain Ct, Needle Ct, Red Hawk Pl, Wyndham Lake Ct, Dardenne Woods Ct, Winged Foot Dr, N Henke Rd | $206,500 | $190,000 | $200,000-$250,000 | $393,000 | $350,000 | $400,000-$500,000 |
| Quail Meadows Ct, Locksley Manor, S Meadow Dr, Hawthorn Meadows Ct, Holloway Dr, Sunset Green Ct, Homeshire Dr, Dona Jane, Winter Park Dr, Pund Rd | $289,500 | $240,000 | $250,000-$300,000 | $331,000 | $270,000 | $250,000-$300,000 |
| Park Hill Cir, Braeswick Dr, Bridle Spur Ln, Oak Ter, Henke Rd, Forest Park Cir, Hampshire Heath Ct, Trailside Dr, Champagne Dr, San Souci Dr | $188,500 | $170,000 | $150,000-$175,000 | $418,000 | $360,000 | $400,000-$500,000 |
| S Svc Rd W, Harborside Dr, Pebble Brook, Fabius Dr, Eaglewood Trail Dr, Civic Center Dr, Murphy Ln, Civic Center Dr, Tinsmith Ct, Cypress Knoll Ct | $290,000 | $250,000 | $300,000-$350,000 | $355,500 | $330,000 | $300,000-$350,000 |
Bundle your Lake St. Louis, MO Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$71 | $820 |
| Home and Two Car | -$152 | $740 |
| Home and Three Car | -$205 | $687 |
Choose the Right Deductible for your Lake St. Louis, 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 | $2,000 | $1,113 | $3,113 | $809 | $2,809 | $304 |
| Lake St. Louis, MO | $1,000 | $881 | $1,881 | $640 | $1,640 | $241 |
| Josephville, MO | $100 | $1,380 | $1,480 | $1,003 | $1,103 | $377 |
| Hanley Hills, MO | $2,000 | $766 | $2,766 | $556 | $2,556 | $209 |
| Affton, MO | $500 | $888 | $1,388 | $645 | $1,145 | $243 |
| Cedar Hill, MO | $700 | $1,036 | $1,736 | $753 | $1,453 | $283 |
| Sugar Loaf, IL | $500 | $811 | $1,311 | $590 | $1,090 | $222 |
| Montgomery County, MO | $1,500 | $800 | $2,300 | $581 | $2,081 | $219 |
| Middletown, MO | $300 | $707 | $1,007 | $514 | $814 | $193 |
| Montgomery, MO | $700 | $934 | $1,634 | $679 | $1,379 | $255 |
| Bowling Green, MO | $100 | $730 | $830 | $531 | $631 | $200 |
| O'Fallon, IL | $2,000 | $728 | $2,728 | $529 | $2,529 | $199 |
Identify Top Home Insurance Agents near Lake St. Louis, MO | Back to Top
| Home Insurance Company Lake St. Louis, MO | Homeowners Insurance Agency Lake St. Louis, MO | Address | Popularity Score | Distance from Lake St. Louis (miles) |
|---|---|---|---|---|
| Farmers | David Richter | 1020 Rock Creek Elementary School Dr, O Fallon, MO, 63366 | 2.6 | |
| Farmers | Chris Yettke | 1425 Triad Center Dr, Saint Peters, MO, 63376 | 9.8 | |
| State Farm | Phil Hamilton | 1585 Kisker Rd Ste D, Saint Peters, MO, 63304-0611 | 8.4 | |
| Travelers | Caen Leach & Mclean Insurance Agency | 702 West Pearce, Wentzville, MO, 63385 | 5.6 | |
| Travelers | All Insurance Llc | 4620 S St Peters Parkway, St Charles, MO, 63304 | 8.7 | |
| Travelers | Gtw Insurance | 2705 Saint Peters Howell Rd Suite D, Saint Peters, MO, 63376 | 8.2 | |
| State Farm | Joe Freund | 9120 Watson Road, Crestwood, MO, 63126-2238 | 26.3 | |
| Liberty Mutual Independent | Larson Financial Group Llc | 1015 Corporate Sq Dr Ste 300, St Louis, MO, 63132 | 21.1 | |
| Liberty Mutual Independent | Insurance Store | 1415 Elbridge Payne Rd Ste 230, Chesterfield, MO, 63017 | 14.6 | |
| Travelers | Lang Insurance Service | 3920 S Old Hwy 94 Ste 39, St Charles, MO, 63304 | 10.0 |
Compare Rates for Lake St. Louis, 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 | $750 | $1,550 | $800 |
| St. Charles County, MO | $198,500 | $1,126 | $810 | $1,590 | $780 |
| Lake St. Louis, MO | $218,300 | $892 | $600 | $1,230 | $630 |
| Josephville, MO | $280,900 | $1,397 | $940 | $1,970 | $1,030 |
| Hanley Hills, MO | $57,400 | $775 | $550 | $1,060 | $510 |
| Affton, MO | $140,200 | $899 | $660 | $1,240 | $580 |
| Cedar Hill, MO | $132,600 | $1,049 | $740 | $1,460 | $720 |
| Sugar Loaf, IL | $84,300 | $821 | $570 | $1,130 | $560 |
| Montgomery County, MO | $105,300 | $810 | $550 | $1,150 | $600 |
| Middletown, MO | $45,000 | $716 | $510 | $1,000 | $490 |
| Montgomery, MO | $99,600 | $945 | $640 | $1,300 | $660 |
| Bowling Green, MO | $82,100 | $739 | $540 | $1,030 | $490 |
| O'Fallon, IL | $195,200 | $737 | $520 | $1,050 | $530 |
Research Home Insurance Companies Reviews in Lake St. Louis, MO Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: February 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
When I had to file a claim, they answered the phone right away and got someone out to check out the damage down to my roof after a micro burst went by the area.
Date: December 06, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
allstate is a home insurance company.. it is a best one and it provides best offers.. i like this company
State Farm Home Insurance Reviews
Date: March 29, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
I haven't really compared homeowners policies so can't speak to this, although I do intend to do so to bundle my auto policy and since I'm getting married soon.
Date: November 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The premium is standard across other companies i found. You can find better prices with online-insurance companies but i'm always afraid of being scammed.