Gavop's guide to buying homeowners insurance in Livingston County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $83,500 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $103,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $159,500 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $112,000 | $100,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$65 | $747 |
| Home and Two Car | -$130 | $682 |
| Home and Three Car | -$195 | $617 |
| 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 |
| Livingston County | $2,000 | $802 | $2,802 | $583 | $2,583 | $219 |
| Livingston County, MO | $1,000 | $802 | $1,802 | $583 | $1,583 | $219 |
| Laredo, MO | $100 | $571 | $671 | $415 | $515 | $156 |
| Carrollton, MO | $2,000 | $857 | $2,857 | $623 | $2,623 | $234 |
| Rothville, MO | $400 | $707 | $1,107 | $514 | $914 | $193 |
| Brunswick, MO | $500 | $864 | $1,364 | $628 | $1,128 | $236 |
| Pattonsburg, MO | $300 | $872 | $1,172 | $634 | $934 | $238 |
| Waverly, MO | $2,000 | $862 | $2,862 | $626 | $2,626 | $235 |
| Henrietta, MO | $500 | $704 | $1,204 | $512 | $1,012 | $193 |
| Fleming, MO | $2,000 | $890 | $2,890 | $647 | $2,647 | $243 |
| Home Insurance Company Livingston County, MO | Homeowners Insurance Agency Livingston County, MO | Address | Popularity Score | Distance from Livingston County (miles) |
|---|---|---|---|---|
| State Farm | Stephanie Trager | 112 W Brooks Street, Brookfield, MO, 64628-1606 | 25.2 | |
| State Farm | David Cochran | 2910 Oklahoma Ave, Trenton, MO, 64683-3405 | 21.7 | |
| Travelers | Robertson Insurance Services | 417 Locust St, Chillicothe, MO, 64601 | 0.9 | |
| State Farm | Michael Green | 100 W Berry Street, Hamilton, MO, 64644-1309 | 24.1 | |
| Travelers | Dysart Agency | 117 N Lafayette Ave, Marshall, MO, 65340 | 49.1 | |
| State Farm | Debbie Minnick | 306 N Mason St, Carrollton, MO, 64633-2248 | 29.0 | |
| Farmers | Scott Crose | 402 N Main St, Gallatin, MO, 64640 | 24.0 | |
| State Farm | Brandon Liberty | 216 N Main St, Plattsburg, MO, 64477-1238 | 50.1 | |
| Farmers | Dennis King | 1132 Franklin Ave, Lexington, MO, 64067 | 44.7 | |
| State Farm | Chris Trout | 800 Washington St, Chillicothe, MO, 64601-2232 | 1.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Missouri | $145,400 | $1,084 | $730 | $1,540 | $810 |
| Livingston County, MO | $106,000 | $811 | $590 | $1,140 | $550 |
| Livingston County, MO | $106,000 | $811 | $560 | $1,110 | $550 |
| Laredo, MO | $19,400 | $578 | $400 | $790 | $390 |
| Carrollton, MO | $78,800 | $867 | $620 | $1,240 | $620 |
| Rothville, MO | $45,000 | $716 | $490 | $1,020 | $530 |
| Brunswick, MO | $80,700 | $874 | $630 | $1,240 | $610 |
| Pattonsburg, MO | $82,900 | $883 | $610 | $1,230 | $620 |
| Waverly, MO | $80,000 | $872 | $630 | $1,210 | $580 |
| Henrietta, MO | $44,400 | $713 | $510 | $1,010 | $500 |
| Fleming, MO | $87,500 | $901 | $660 | $1,280 | $620 |